Writer: Adam West
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
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Credit cards generally will not be issued without a hard credit inquiry, but you can get preapproved for a credit card with only a soft credit pull.
Almost every time you apply for new credit, the lender credit check will usually result in a hard inquiry being noted on your reports, which may cause a small ding to your credit score. That’s because lenders see an application for new credit as a desire to take on more debt.
Doesn’t make sense? Think of it this way: if a married person were to sign up for an online dating site — whether or not they really intended to do anything wrong — their spouse would likely view the action as a major negative. Whether or not you intend to take on more debt, hard inquiries represent the ability to, and that’s enough to ding your score.
In most cases, you can’t obtain a credit card without a hard inquiry, though you may avoid some wasted inquiries by checking for prequalification offers before you apply. The only exception seems to be a popular “shopping cart trick,” though the trick seems to have mixed results.
Prequalifying | Shopping Cart Trick
Most Major Credit Cards Require a Hard Inquiry For Approval
While the idea of skirting the rules and avoiding a hard credit inquiry is appealing to many prospective applicants — particularly the churners who most readily accrue inquiries — the fact of the matter is that inquiries generally can’t be avoided if you want a new line of credit.
Most major open-loop credit card issuers will check your credit reports before approving your application, which automatically means a hard credit inquiry. Though we do know of two secured credit card options that don’t check credit at all.
You may be able to reduce the number of hard inquiries you have on your report by checking for prequalification offers before you fill out a full application. Credit card prequalification, also called preapproval, uses a soft credit inquiry (the non-damaging kind) to get a basic idea of your credit risk to estimate whether you would be approved for a given card.
Credit card preapproval can be especially helpful for those who have lower credit scores, as these consumers are overall most likely to be rejected for a credit card, but it can also be useful for those with good scores applying for a harder-to-get card. The issuers below make it easy to find prequalification offers, providing quick online applications that will only require your name, address, birthday, and the last four digits of your Social Security number.
Discover | Capital One | Citibank
Discover Credit Cards With Soft-Pull Preapproval
The Discover preapproval process is simple and can be completed entirely online through the Discover website. Discover’s entire catalog of cards comes with generous rewards, and many Discover cards also include introductory APR offers.
Capital One Credit Cards With Soft-Pull Preapproval
Getting preapproved for a Capital One card takes just a few minutes online through the Capital One website. In addition to its popular Venture® Rewards cards, Capital One also offers a range of other solid rewards cards, as well as a number of business credit card options.
Citibank Credit Cards With Soft-Pull Preapproval
Citibank’s prequalification form can be completed quickly online and you should get a response right away. Citi’s family of credit cards includes over a dozen options, including many co-branded cards for popular airlines and merchants.
Additional Disclosure: Citi is a CardRates advertiser.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Additional Disclosure: Citi is a CardRates advertiser.
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
Additional Disclosure: Citi is a CardRates advertiser.
Some People Have Success Using the Shopping Cart Trick
Though it may not be a law in the legal sense, one of the universal “laws” of the bureaucratic world of paperwork and fine print seems to be: Where there’s a will — there’s a loophole.
Enter the shopping cart trick. A hard-inquiry loophole supposedly exploited by some online shoppers, the trick involves taking advantage of store credit card offers that pop up during the online checkout process for a number of retailers.
Of course, you may need to take this trick with the proverbial grain of salt. According to consumer finance site, WalletHub, the shopping cart trick isn’t a way to get approved for a credit card without a hard inquiry. Instead, WalletHub says it’s only a way to get preapproved, which simply gives you an indication of how likely you are to be approved if you do apply.
Now, you may have heard a different story about the shopping cart trick from other sources. A lot of people misuse the term, saying it’s a way to actually get approved for store credit cards from Comenity Bank, Synchrony Bank, and Wells Fargo without a hard inquiry. But that’s just not true. WalletHub confirmed with all three issuers that you can’t get approved for one of their cards without a hard inquiry. — WalletHub.com
If you don’t believe the naysayers and want to give the trick a try, you can do so easily online. You’ll need to be opted in for credit card offers — this is automatically the case, unless you’ve purposefully opted out — and have your popup blockers disabled, since most offers appear in a popup.
You then go to an eligible retailer’s online store and place a few items in your shopping cart. Continue the checkout process as normal, being sure all the information you enter is the same as shown on your credit report, including your name and address.
Providing the trick has worked, at some point before the final checkout page, you should be presented with a store credit card offer. According to reports, accepting this offer should result in only a soft credit pull, rather than a hard pull.
However, some reports warn that if at any time you are asked for your full Social Security number (rather than only the last four digits), it may end up being a hard pull.
While this trick reportedly only works reliably with store cards offered by Comenity Bank, it may work with some cards from Synchrony and Wells Fargo. We’ve put together a few of the cards that have been reported to qualify for the shopping cart trick below, but remember that your own experience — and success rate — will likely vary.
13. Express Next Credit Card
The Express Next Credit Card can be a boon to frequent shoppers, providing an 8% rewards rate on Express purchases by giving cardholders a $10 rewards certificate for every 2,500 points (which means $125 in eligible purchases).
- Earn 20X points per $1 spent on eligible Express purchases made with your card
- Receive free shipping on online orders
- Pay no annual fee
Keep in mind that the Express Next Credit Card comes with a pricey APR, so be sure to pay off your clothing purchases right away to avoid paying large interest fees.
14. Gamestop PowerUp Rewards Credit Card
While the Gamestop PowerUp Rewards Credit Card offers a hefty-seeming points bonus — 5,000 points for every $250 you spend — those 5,000 points are only worth a $5 coupon, which amounts to a pretty basic 2% rewards rate.
- Earn 20X points per $1 spent on eligible Gamestop purchases made with your card
- Receive exclusive cardholder offers
- Pay no annual fee
You can boost your rewards into overdrive by being a PowerUp Rewards Pro or Elite member, but that membership will cost you at least $15.99 a year to obtain. Plus, the high APR means it will get very expensive if you carry those game purchases beyond your due date.
15. Victoria’s Secret Angel Card
The Victoria’s Secret Angel Card offers a decent 4% rewards rate, with every 250 points earning a $10 Angel Rewards certificate.
- Earn 1X point per $1 spent on eligible Victoria’s Secret purchases made with your card
- Receive exclusive offers & bonus buys
- Pay no annual fee
Though competitive for a store card, the APR charged by the Victoria’s Secret Angel Card is anything but angelic. Always pay off your purchases before your due date to avoid being hit with large interest fees.
What Is a Soft Pull On a Credit Card?
A soft pull is simply a preliminary glance at your credit history. Credit card companies perform soft pulls to prequalify applicants for their credit card offers.
You can authorize a soft pull by filling out a prequalification form to see whether you qualify for a specific credit card. Soft pulls can also be done without your authorization — this is why you may receive prescreened offers in the mail.
A hard credit check, however, cannot be done without your consent.
Can Credit Card Companies See Soft Pulls?
Soft inquiries do not appear on credit reports, so they are not visible to anyone — including credit card companies. A credit card company can only see a soft pull if they’re the one performing the soft pull for prescreening purposes.
A credit card company may also run a soft credit inquiry if you request a credit limit increase.
Does a Soft Pull Hurt Your Credit?
No. Because soft credit pulls are not included in your credit reports, they cannot hurt your credit. Your credit scores are calculated based on the information in your credit reports. Something that’s not there cannot be factored into your credit scores.
Hard Credit Inquiries Aren’t the End of the World
Sometimes, despite having the purest intentions, our actions can be misinterpreted in all the wrong ways. This can happen when curiosity pushes us to sign up for websites we maybe shouldn’t, and it can also happen when we sign up for new credit cards.
Depending on the disposition of your spouse, an innocent dating site experiment might be laughed off — or you may be looking at a few bad nights of sleep on the living room sofa. Your hard inquiries, on the other hand, will generally take a bit longer to disappear; most hard inquiries will stay on your credit report for up to two years.
But you aren’t doomed for those two years, particularly if you’re prudent about how many new applications you make. One or two hard inquiries generally won’t cause significant damage to your credit score, nor will a handful that are spread out over six months or so. Plus, a hard credit check will typically affect your credit score less over time, with the entire impact dissipating after the first year.
So, while it’s best to only apply for new credit in moderation, don’t let a hard credit inquiry stop you from applying for a new card you may actually need.
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Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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