Jan '25 (edited) • General discussion
🏆🏆🏆💰See What You Qualify For /If Your Credit Is 675 or Higher Pre-Approvals
CREDIT
LIST
TOP PRE-QUALIFYING CREDIT
PRODUCTS
Top Pre-Approval Credit Cards and Loan Products Guide
This guide includes pre-approval options for various credit and loan products. Each product offers
pre-qualification through soft credit checks, allowing you to explore terms without impacting your
credit score.
Top 8 Personal Credit Cards Offering Pre-Qualification
Chase Freedom Unlimited
APR: 0% for 15 months, then 20.49% - 29.24% variable
Rewards: Earn unlimited 1.5% cash back on every purchase
Requirements: Excellent to good credit required
Website: chase.com
Capital One Venture Rewards Credit Card
APR: 20.99% - 28.99% variable
Rewards: Earn 2X miles on all purchases
Requirements: Good to excellent credit required
Website: capitalone.com
American Express Gold Card
APR: 20.99% - 27.99% variable
Rewards: Earn 4X points at restaurants, 3X on flights
Requirements: Excellent credit required
Website: americanexpress.com
Citi Double Cash Card
APR: 19.74% - 29.74% variable
Rewards: Earn up to 2% cash back on purchases
Requirements: Good to excellent credit required
Website: citi.comWells Fargo Active Cash Card
APR: 0% for 15 months, then 20.24% - 29.99% variable
Rewards: Earn unlimited 2% cash rewards
Requirements: Good credit required
Website: wellsfargo.com
Bank of America Customized Cash Rewards Card
APR: 0% for 15 months, then 18.24% - 28.24% variable
Rewards: Earn 3% cash back in choice category
Requirements: Good to excellent credit required
Website: bankofamerica.com
Discover it Cash Back
APR: 0% for 15 months, then 17.24% - 28.24% variable
Rewards: Earn 5% cash back in rotating categories
Requirements: Good credit required
Website: discover.com
U.S. Bank Visa Platinum Card
APR: 0% for 20 billing cycles, then 19.74% - 29.74% variable
Rewards: Long introductory APR on purchases
Requirements: Good to excellent credit required
Website: usbank.com
🐝🐝 Top 5 Personal Loans Offering Pre-Qualification
Marcus by Goldman Sachs
Loan Amounts: $3,500 to $40,000
APR Range: 6.99% to 19.99%
Key Features: No fees, tailored repayment options
Website: marcus.com
Best EggLoan Amounts: $2,000 to $50,000
APR Range: 5.99% to 29.99%
Key Features: Quick approval, fair credit options
Website: bestegg.com
OneMain Financial
Loan Amounts: $1,500 to $20,000
APR Range: 18.00% to 35.99%
Key Features: Available for low credit scores
Website: onemainfinancial.com
Upgrade
Loan Amounts: $1,000 to $50,000
APR Range: 5.94% to 35.47%
Key Features: Flexible repayment, credit health tools
Website: upgrade.com
Rocket Loans
Loan Amounts: $2,000 to $45,000
APR Range: 5.97% to 29.99%
Key Features: Fast funding, flexible terms
Website: rocketloans.com
✅✅ Top 5 Business Credit Products Offering Pre-Qualification
American Express Blue Business Cash Card
APR/Fee Range: 0% for 12 months, then 17.99% - 25.99% variable
Key Features: Earn 2% cash back on eligible purchases up to $50,000
Website: americanexpress.com
Chase Ink Business Cash Credit Card
APR/Fee Range: 0% for 12 months, then 18.24% - 24.24% variable
Key Features: Earn 5% cash back on the first $25,000 spent
Website: chase.com
Bluevine Line of Credit
APR/Fee Range: 6.20% to 24%
Key Features: Line of credit up to $250,000
Website: bluevine.com
Kabbage Funding
APR/Fee Range: Monthly fees range from 1.25% to 10%
Key Features: Flexible lines of credit up to $250,000
Website: kabbage.com
Fundbox Line of Credit
APR/Fee Range: 10.10% to 79.80%
Key Features: Credit line up to $150,000 with no minimum score
Website: fundbox.com
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🏆🏆🏆💰See What You Qualify For /If Your Credit Is 675 or Higher Pre-Approvals
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