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Credit One Bank is best known for issuing credit cards that help cardholders improve their creditworthiness, but it also offers a wide range of card options available to borrowers of all credit ratings. Whether you’re looking for a no-fuss card to help you build a positive credit history, or you’re looking for a competitive rewards program, chances are there’s a Credit One Bank credit card for your needs.
Luckily, Credit One Bank offers potential applicants a great way to see which cards already match their credit profiles without compromising their credit scores. With prequalified proposals, you can see the cards you are most likely to be approved for, increasing your chances of a successful bid. Read on to learn more about how to take advantage of this option at Credit One Bank.
How to get pre-approved for a Credit One Bank credit card
There are several ways to find out which Credit One cards you can qualify for before you apply. Please note that pre-qualification for Credit One offers does not guarantee approval. You will still need to apply for and go through the card issuer’s credit inquiry process to ensure you qualify. Here are the ways to prequalify for a Credit One Bank credit card:
Pre-selection on Credit One Bank website
The easiest way to get a pre-qualified Credit One Bank credit card offer is to fill out an online form. You will be asked to enter basic information, including your name, the last four digits of your social security number, and your monthly income.
You will then be presented with a list of cards that match your credit profile. You can view the benefits of each card and apply from there.
Prequalification via CardMatch
Another way to check out pre-qualified Chase offers is through CardMatch™, a free service at CreditCards.com. Again, you just need to enter some basic information like your address and the last four digits of your SSN. Bonus: Checking pre-qualified offers won’t cause a sharp drop in your credit or affect your score.
With CardMatch you will see a complete list of pre-qualified matches from issuers and recommended cards recommended for you based on your credit score. If you are interested in cards from banks other than Credit One, using CardMatch can be a great way to check for multiple offers at the same time.
Pre-qualification through targeted offers
You may be the target of a pre-approved offer from Credit One Bank. He periodically sends out these pre-screened offers via regular mail, so keep an eye out for them.
Top Credit One Bank cards for pre-qualified offers
| Map name | Best for | Awards | Other benefits | Annual fee |
|---|---|---|---|---|
| Credit One Bank® Platinum Visa® for Credit Recovery* | Credit recovery |
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Annual fee of $75 for the first year, then $99 for the year. |
| Credit One Bank American Express® Card | Flat rate cashback rewards |
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$39 per year |
| Visa Credit One Bank® Platinum Rewards | Competitive awards |
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$0 annual fee |
Why You Should Prequalify With Credit One Bank Before Applying
There are no drawbacks to pre-qualifying for a Credit One card. Credit One performs a soft credit request during the prequalification process that does not harm your credit score. And it only fires a hard credit request when you actually apply for the card, which can cause your score to drop temporarily.
Once you’re pre-qualified, you’ll see which cards fall within your credit range. You can claim a card with better rewards and benefits than you thought. Or you may need to work a little to improve your credit score and qualify for a better card.
While many Credit One Bank credit cards are available for individuals with bad credit, some require a higher credit score. If you’re hoping to get a card normally reserved for good credit (above 670), you can take steps to improve your score before applying.
You can improve your credit score by always paying your bills on time and keeping your credit usage — or the amount of credit you currently use divided by your total credit limit — low. If you have a limited credit history, you can also ask a family member to add you as an authorized user on another account.
bottom line
Credit One Bank offers a variety of credit cards for all types of cardholders, from those who earn points to applicants who can qualify for the highest rewards. If you are considering applying for one of these products, please first review your pre-qualified offerings on the Credit One Bank website. This way you will get a better idea of what cards are within your reach.
*All Credit One Bank Platinum credit recovery visa information has been independently collected by CreditCards.com and has not been verified or endorsed by the issuer.
Editorial disclaimer
The editorial content on this page is based solely on the objective judgment of our contributors and is not based on advertising. It was not provided or ordered by credit card issuers. However, we may receive compensation when you click on links to our partners’ products.