How to Pre-qualify for a Capital One Card (and Why You Might Want to)

Pre-qualifying for a credit card doesn’t mean you’ll be approved, but it could help you see if your approval chances are higher for certain card offers.

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Updated June 6, 2024
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You can view the Capital One cards you may be pre-qualified for by using an online tool on the Capital One website. You can also wait for a pre-approval letter in the mail, but we like how easy it is to use the online tool.

There’s no impact on your credit score to see if you’re pre-qualified for Capital One credit cards. But keep in mind that getting pre-qualified doesn’t mean you’ll be approved for a credit card from Capital One. Pre-qualifying simply helps you see where you might have better approval odds.

See how to pre-qualify for a Capital One credit card so you can check whether Capital One has offers for you.

In this article

Key takeaways

  • Pre-qualifying for Capital One credit cards through the Capital One pre-approval tool is likely the easiest method because you can use it whenever you want with no impact on your credit score.
  • Pre-qualifying through mailed letters is also easy, but it’s hard to know when Capital One might send any out.
  • Pre-qualifying for a Capital One credit card doesn’t mean you’ll automatically be approved for that card. But it’s supposed to indicate that there’s a good chance for approval.

How to pre-qualify for a Capital One credit card?

Many credit card companies use “pre-qualification” and “pre-approval” interchangeably and from our experience, they generally mean the same thing.

Pre-qualifying for a Capital One credit card typically means that Capital One used some of your basic financial information to match you to one or more of its credit cards that it thinks might be a good fit for you.

It’s possible to pre-qualify for a cashback or rewards credit card, a travel card, or cards with no annual fee. This doesn’t mean you’re automatically approved for a certain credit card if you’re pre-qualified. Rather, it’s a way to get a good idea of credit cards you’re more likely to be approved for.

Here are a few ways to see if you’re pre-qualified for a Capital One credit card.

Pre-qualify for a Capital One card online

We think this is the easiest way to see if you’re pre-qualified for a Capital One credit card because it’s an online tool that’s simple and easy to use. It takes almost no time to go through the pre-qualification process, and there’s no impact on your credit score.

Here’s how to get started:

  1. Visit the Capital One pre-approval page.
  2. Answer or skip the questions. Answering the questions likely helps to narrow down credit card offers that are more relevant to your interests. Some prompts can’t be skipped.


  1. Fill out the applicable information as required, including your full name and Social Security number. Remember, using this tool has no impact on your credit score because it’s a soft inquiry or soft pull. This is different from a hard inquiry, which could have an impact on your credit score.


  1. See if you pre-qualify for any offers.


If you pre-qualify for an offer or more, you can complete your credit card application at the end of the pre-qualification process. The actual application process will be slightly shorter because you’ve already filled out some of your information using the pre-qualification tool. You can also explore our list of the latest Capital One credit card offers.

Pre-qualify for a Capital One card via mail

You may pre-qualify for a Capital One card by receiving a letter from Capital One in the mail. It could look something like this:


Here’s how to get started with this type of pre-qualification offer:

  1. Find your reservation number and access code in your letter.


  1. Visit Capital One’s offer portal and enter your reservation number and access code.


  1. Proceed to apply for the credit card. Keep in mind that this is the actual application step where Capital One will likely do a hard pull on your credit report, which could have an impact on your credit score.


There’s generally no difference between using the Capital One online pre-qualification tool or using a reservation number and access code from a mailed letter. Both are simply pre-qualification methods. But you never know when or if a letter might be coming, while you can jump on your computer and use the online tool whenever you want.

Benefits of pre-qualifying for a Capital One credit card

There are essentially two major benefits of pre-qualifying for a Capital One credit card:

  1. No hard credit check
  2. Easy access to the credit card offers you might qualify for

There’s no guarantee that you’ll be approved for any credit card you pre-qualify for with Capital One. But seeing if you pre-qualify can let you know whether there’s a good chance you might qualify for a particular credit card offer.

And since there’s no impact to your credit score to see if you pre-qualify, there’s not much reason to avoid checking.

Other credit card issuers you can pre-qualify with

You can also pre-qualify for a credit card with these other credit card issuers:

Note that some of the information you might have to provide for the pre-approval process includes your name, date of birth, Social Security number, annual income or monthly income, and other relevant information.

Keep in mind
Credit card pre-approval or a pre-approved offer doesn’t guarantee your approval for a credit card. A pre-approved credit card offer could mean your chances are good that you’ll be approved, but it’s not set in stone.

FAQs about Capital One pre-qualifications

Can you get pre-approved for Capital One?

Yes, Capital One provides pre-approvals for some of its credit cards. This means Capital One thinks you have a good chance of being approved for a certain card. You can see if you’re pre-approved for a Capital One credit card online or through an offer in the mail.

What is the minimum credit score for a Capital One card?

The Capital One Platinum Secured Credit Card typically requires little to no credit history, and you might qualify even if you have a bad credit score. Remember that you have to make a refundable security deposit for this card.

Keep in mind that card issuers consider multiple factors when determining your creditworthiness, so having a certain credit score alone doesn’t necessarily guarantee your approval.

What credit bureau does Capital One use?

Although Capital One doesn’t have an official or public answer, it may use one or more of the three credit bureaus to decide your creditworthiness. These bureaus are Experian, Equifax, and TransUnion. This is different from some other credit card issuers who may use a specific credit bureau.

Qualifying for Capital One cards: Bottom line

We believe the easiest strategy to pre-qualify for a Capital One credit card is by using the online tool. Capital One provides a simple and quick way to check for eligible offers straight from its website. It has no impact on your credit score and could give you some direction on whether you might qualify for certain cards.

But just because you pre-qualify for a credit card doesn’t mean you’ll actually be approved for it. Keep in mind that financial institutions and lenders typically use multiple factors, including your credit score, to determine your eligibility. So you may pre-qualify for a credit card offer yet don’t get approved after going through the application process.

Use our dedicated page to compare credit cards and find offers that align with your financial goals.

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Author Details

Ben Walker, CEPF, CFEI®

Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.