9 Soft Pull Credit Cards + Pre-Approval Master List

these non Bank credit cards will pre-approve you without triggering a hard credit pull your credit score stays 100% safe until you get approved for a credit card or accept the offer and I'll show you a credit card I've never talked about before that shows your starting limit before approval how getting denied for an AMX card won't damage your credit

score and why some people should avoid synchron bank and their massive lineup of store cars at all costs by the way you can find the links to every car plus more on my credit card pre-approval Master list and I'll leave that link below the Amazon Visa card issued by Chase is a popular choice compared to

the Amazon store card from Synchrony Bank many people prefer Chase due to fewer reports of credit limit decreases account shutdowns and poor customer service which are common issues with Synchrony Bank this card is a musthave for everyone because let's be honest we all shop on Amazon Plus it offers 5% back on Amazon purchases too and being a

Visa C it's accepted everywhere and anywhere that takes Visa unlike the store card which only works on Amazon and a few other Associated companies that's why if I could do it all over again I'd apply for this card instead of the basic Store card I have right now Chase tends to toggle their pre-approval

tool on and off throughout the year but it appears Amazon keeps Chase's pre-qualification tool for this card available year round and the best part is there's no hard pull until you submit the full application and then they pull your Experian credit report report and here's a data point they said I'm 824 and got approved in a $200 Amazon gift

card I'm over the moon right now and then they gave an update they said I called in and my actual limit is $15,000 and $5,000 is the initial limit I can use until I get my card also my FICO was 760 lots of inquiries but I did get a pre-approval on the Amazon website

before I applied and just a quick warning there's typically a difference between pre-approval and pre-qualification to make things easier I like to break this whole idea AA of pre-approvals down into five separate categories first there's pre-qualified which means 50 to 70% chances of approval then there's preapproved which is a 90% chance of approval on average

then you have no hard pull if denied which means that you only be hard pulled if you're approve for the card and then there's no hard pull until you accept the offer that means you're guaranteed an approval and credit limit with just a soft pull and then you have full approval which means there's no hard

pull whatsoever and Chase is generally more lenient with approvals for their co-branded cards like the Amazon Visa card compared to their branded cards like the Chase Sapphire Preferred Card and credit limit increases with this card come with good usage and only a soft credit pull here's an example they said Amazon Chase Visa soft pull credit

limit increase have had this C since the end of October starting limit was $112,000 last night requested an increase online went to review so I logged out then back in again new limit is $14,400 no hard pull I use it a lot but almost never let a balance report I once reported a $41 balance and my TransUnion

score is $815 according to them another card is the Verizon Visa card now Verizon partnered with the notorious synchron Bank to launch this card a few years ago this card is particularly useful if you already have Verizon cell phone service or Verizon F service because your rewards can only be redeemed to reduce your Verizon bills

and despite this limitation it offers some impressive rewards you get 4% back on gas and groceries and 3% back on dining making it great for everyday spending I've been using it for years to get a discount on my monthly service Bill and to save at the gas station too now you can get pre-qualified with just

a soft credit pull by logging into your Verizon account first after you submit the full application they hard pull your TransUnion credit report listen synchrony is known for their generous credit limit increases even if you don't use the card heavily however be cautious because they can reduce your limit without warning if they think your

overall limit is too High across all of your synchrony issue cards and here's an example they said I noticed on 721 of 2022 that all of my synchrony cards were closed by credit grantor haven't received an adverse action letter from Synchrony Bank but after calling them I was told that all my accounts were

closed due to highrisk of failure to pay was approved for a Synchrony Bank Verizon Visa card in May of 2022 since then my overall credit hasn't changed no additional accounts or inquiries and I've paid down additional balances including my mortgage compared to prior month over month I was really irritated when I saw the alerts but I guess it is

what it is would be nice if they would ask for proof of income before closing accounts in Mass especially with the recent approval they already knew my overall risk profile the eBay sync Sport and Care credit cards did not have frequent usage very occasional but the Amazon car was heavily used always paid

in full Verizon and Chevron regularly had 50% usage with paid in full each month no late on credit only balances are mortgage Home Improvement student and auto loans these have been pretty consistent balances too I have $225,000 in available revolving credit and $275,000 in personal annual income total synchrony credit limit loss $38,500 and

all of my synchron cards were paid in full so next is Capital One now you know Capital One always has to be different with how they handle just about everything including pre-approvals in the past they excluded the sa cards from the pre-approval list but nowadays you can get pre-approved for almost any card

with them just be aware once you actually apply Capital One will hard pull all three credit bureaus now the puzzling part is capital one seems to have an increasing number of pre-approval landing pages for individual cars like the Venture X card that's where you can get pre-approved for just that one card alone they even

have a secret page for product changing a Capital One card you already have into a different card and Capital One is really known for and can be okay for someone with low credit because they approve many people in that segment however they're truly great rate for one group of people and that's anyone with

excellent credit if you already have good credit Capital One will be your best friend they'll start you off with a high credit limit and regularly increase it take me for example I started my relationship with them with good to excellent credit and a $15,000 limit on my Quicksilver card just a few years ago

I was able to increase my limit then product changeed to the Venture X and continue to get my limit increased several times over the last couple of years now mind you that's with extremely low credit card usage now I'm sitting at a $26,000 limit on my venturex card and look at this other

data point it said I was approved for the venturex card a month ago for $20,000 limit I tried applying for a credit limit increase and instantly got approved for $35,000 I regret putting maximum desired limit of 35k I was expecting a denial or a $10,000 increase at Max well next time I will ask for a higher limit but here's

the big problem with all these personal cars there's basically no way around getting hit with at least one heart credit pull after you complete the full application and with Capital One it's even worse because they hard pull all three bureaus so you end up hurting all three of your credit scores at the same

time that's why I like a few of these new business cards like the bill divy card because you can get fully approved without a hard credit pull whatsoever so you don't have to worry about hurting your credit score at all and it never reports your usage to the personal credit bureaus they only report to the

Small Business Financial exchange to help you build your business credit up they give automatic credit limit approvals up to $400 ,000 without going through any manual review and you won't need to submit W2s or tax returns you can get up to 7x points on dining transactions and a year ago they approved my new LLC with a $2,000 limit

so just hit that link below to apply for the Dey card and get approved without a hard credit pull whatsoever now next is AMX and AMX hands down has the best approval setup in the business and why is that because they only hard pull your Experian credit report if you get approv of the card this is how all applications

should work these days I hope all the other major credit card issuers are taking notice here and MX calls it apply with confidence which means that you only receive a hard credit pull if you get approved for the card so if you don't get approved and you get declined for that card that means there'll be no

hard pull it just be a soft pull so what they essentially did was they completely removed the punishment of applying for credit and getting nothing in return but a hard pull that damages your score on top of that you only get a hard pull once when you apply for your first personal card with them and every

application you make after that will just be a soft credit pull even if you're on the business side too I remember applying for the AMX blue business cash card and then the AMX Amazon business card a month later and I only got one hard pull from experience and here's another data point they said

I have eight MX cards seven of which were obtained in the past 6 months there wasn't a single hard pull after my first MX card in March of 2020 now let's talk about Chase Chase has been really disappointing me when it comes to pre-approval they have a dedicated pre-approval landing page that they randomly turn on

and off when everybody is sleeping I guess many of us assume Chase will turn this pre-approval tool on when they're ready to push a lot of credit card applications through and drive up revenue for them but during periods of economic uncertainty and higher than normal delinquency rates they tend to leave it off the only thing I can say is

to keep checking that link once a month to see if it goes active again and as an alternative if you already have a Chase credit card you can go to the just for you page and in your account you can see what offers are available there to you some people have seen that chase will

show the exact credit card and credit limit they're pre-approved for on this page once Chase fully approves you for a card they will hard pull your Experian credit report as usual when it comes to credit limit increases Chase is highly dependent on credit card usage to support the need for an increased limit

I went close to 5 years without an increase on my Chase Freedom unlimited card because of low usage until just a few weeks ago when Chase surprised me with the $6,000 limit increase now my total limit is over $122,000 at this point let's move on to City Bank city does the same thing as chase toggling

their pre-qualification tool on and off throughout the year the good news is it's active right now just remember pre-qualification is a step below pre-approval in terms of certainty people usually see between a 50 to 70% approval rate there and getting pre-qualified or pre-approved is a good to strong indicator of success but you

still have a chance of approval even if City say says there's no offers available for you check out this data point they said I seem to be an edge case but you can look to my recent City premiere approval as evidence I have checked City pre-approval page on a couple of times and never got any

matches I did so the same day as my actual application I just got impatient applied anyway and then got approved although I did need to call to verify information which sped up the application it really comes down to how much risk are you willing to take and how sensitive are you to hard credit

pulls if you do end up applying with City they have a history of rotating which Bureau they hard pull so it's really a roll of the dice with them and City Bank has been generous to me when it comes to increasing my credit limits with only a few hundred to spend each month between my two City Custom cash

cards I have about an $188,000 limit on one and about a 134,000 limit on the other let's move on to discover I always say discover is the best option for anyone just starting their credit card Journey along with being able to get pre-approved with just a soft credit pull they have a secure credit card

option for people with bad credit this car can even graduate into a real credit card in 6 to 7 months and it can grow with you all the way up to the point where you have excellent credit there are plenty of people with old discover cars that have credit limits over $220,000 now with high usage some people

achieve increases every 30 days even check out this data point they said over the last few months I stopped using my Discover since I didn't like the quarterly categories it had been a while since I last asked for a credit limit increase so last month I requested one and was denied due to not using existing

limit fair enough this last month I ran about $1,000 through it and a few days after that my statement closed and today I requested a credit limit increase again and boom instant approval for a $3,000 increase taking me from $8,000 to an $111,000 credit limit and here's an insane data point it said I got to

Discover credit limit increase today of $2,000 I went from $4,000 to a $6,000 limit and one last month of $1,700 that was from 2,200 all the way up to $4,000 so overall pretty happy with the results to get them I combine a theory that many people have had for a while which says

that discover likes constant use and listen when I analyzed over 100 credit limit increased data points discover was the only credit card issuer that reliably allows month-to-month increases like this discover has a history of pulling from different credit bureaus but lately most data point show they pull from experience next is Wills Fargo

they have been on a tier recently releasing a lot of new cards from the atune card for Fitness enthusiasts to their new signify business card that I really want to apply for next they're a great bank for small business owners to start building a relationship with because of their more accessible no do business line of

credit products their autograph card is super underrated too earning 3% back in six different categories with no annual fee I signed up for it when it first launched about two years ago however Wells Fargo has one of the worst reputations among credit card enthusiasts this is probably because of all the scandals and ongoing issues

they've had a major reason is the bank's history of opening fraudulent accounts without customers consent and that was to inflate sales numbers despite this happening years ago similar problems have persisted including mismanagement of auto loans and mortgages people even report poor customer service unexpected fees and restrictive account policies someone even said they have a long

history of poor customer service and were one of the main Banks involved in the opening of accounts without people's knowledge I got to say I've only had good experiences with them but then again I've only had one credit card with them and it's really been a limited history that I've had with Wells Fargo

now you can get pre-qualified with just a soft pull and when you finish that full application they will hard pull experience next let's talk about Regions Bank Regions Bank is definitely the least talked about Bank on this list with branches in only 14 States it's a Regional Bank just like the name implies

but what really sets it apart is its pre-approval process you can check for your pre-approved offers with just a soft pull and even see your starting limit too now I just checked and they offered me a $2,200 starting limit when you complete the full application they will hard pull TransUnion to increase your credit limit Regions Bank typically

requires a hard pull which is an old school banking practice that is stuck around for many banks unfortunately but maybe you're okay with that since you'll know your starting limit before you even apply with them and if you want to see nine more credit cards that are guaranteed to show your starting limit

before you apply then check out that next video thank you for watching