In addition to pre-approved offers, which are sent by mail or email, most major credit card companies allow people to pre-qualify for their cards. Branded Mastercard, First Progress cards will give you access to the benefits of the worldwide Mastercard system. Instead of blindly applying for any Capital One card, you’re better served if you pre-qualify for one of the issuer’s offerings. To keep this resource 100% free, we receive compensation for many of the offers listed on the site. Usually, there are two types of credit cards that are the most suitable for poor credit: (a) guaranteed approval credit cards, and (b) secured credit cards. Still, many experts say that getting a pre-approval offer means you have around a 90% chance of receiving the card if you apply. Advertiser Disclosure: The personal finance offers that appear on this site are from advertisers from which cardbenefit.com receives compensation. Like most issuers, Chase offers a simple pre-qualifying form to help you in your research.. After supplying a few basic pieces of personal information, Chase will show you if you pre-qualify for any of its cards, and which cards may … On the other, it could give you a false sense of confidence that you’ll receive a specific card that you may not otherwise qualify for. Whichever you choose, keep your options open. Plus, we offer travel discounts and travel accident insurance. Several credit card issuers work with consumers who want to improve or establish their credit score. Pre-qualifying for a credit card can give you an idea of your approval chances without impacting your credit. Here are the issuer’s three most popular rewards cards, along with links to each card’s easy online application: But Chase has notoriously high standards for approval, which make pre-qualifying a smart decision. If you have an existing credit card balance that’s only growing because of interest charges, Citibank may have the solution to help you knock the debt out faster and more cheaply. Your best first step is to decide what matters most to you in a credit card. Credit Cards Explained receives compensation from many of the credit cards listed on our site. While these reports won’t show you your actual credit score, it will show you all of the vital information that credit card issuers see when reviewing your application. And Miles never expire. Just remember that Capital One limits consumers to only two cards from the issuer, so if you already have a pair of the company’s cards, you’ll likely receive a rejection for any application you submit. Typically, the card provider will check your credit information using a soft pull, which unlike a hard pull, doesn’t affect your credit score. Discover is accepted nationwide by 99% of the places that take credit cards. Our advice follows strict editorial guidelines and is updated regularly for accuracy. Those cards could include the popular Simplicity offering, or maybe another of our top-rated choices listed below. INTRO OFFER: Unlimited Cashback Match – only from Discover. Most credit scoring models will absorb two or three hard inquiries on your credit report over a two-year period. Please add more if i missed any. It provides commercial and retail banking, investment, and mortgage services to customers through 280 offices, and more than 400 ATMs in Georgia, Alabama, South Carolina, Florida, and Tennessee. Each inquiry can bring your credit score down — and a lower credit score makes it even harder to qualify for a credit card. Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted! ... No Credit History or Minimum Credit Score Required for Approval … No Blackout Dates. Synovus Bank Credit Cards. Thankfully, many also offer pre-qualifying applications to make the approval process faster and less painful. This is most evident in the Citi Simplicity® card, which offers an unheard-of 21-month 0% interest rate on new purchases and balance transfers made within the first four months of opening the card. Its pre-qualifying application makes it easier to find the best card for your spending needs. Filling out Capital One’s pre-qualification form can show you which of the issuer’s cards you may qualify for. Credit Card are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts. You can obtain more information about SSI and its Registered Representatives by accessing BrokerCheck.. Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. Credit Card are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts. … There’s no minimum spending or maximum rewards. Sam’s Club Synchrony Bank Store Card. What Happens to the Balance of a Closed Credit Card? Subscribe to our latest articles, news, and promotions! Advertiser Disclosure: CardRates.com is a free online resource that offers valuable content and comparison services to users. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. Offering rich rewards is nothing new to Discover, as it was the first true rewards credit card when Sears launched the brand in 1986. Pre-Approved American Express Cards. To learn more, please visit: CitizensOne.com Enter a Zip Code Return to our homepage × 35.99% APR for Purchases & Cash Advances. That’s because every official credit card application you submit places a hard inquiry on your credit report. Pre-approved credit cards are offers made by credit card companies that indicate you will have a high likelihood of approval if you apply. Some credit card issuers offer you the opportunity to see if you can be pre-qualified for credit cards before you officially apply. Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. You could turn $150 cash back into $300. These could include rewards cards and low-interest cards that offer all of the bells and whistles you’d expect in a credit card. Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History, Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application, Just Pay Off Your Balance and Receive Your Deposit Back at Any Time. Read our guide to find out exactly what pre-approval constitutes and whether or not it will actually improve your chances of taking out a credit card. All of this information is useful, but not definitive. When you need a credit card product, you will be able to find what you need from this bank. Enjoy a $200 cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of account opening, Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%, Unlimited 1% cash back on all other purchases, Introductory 0% APR for your first 12 billing cycles for purchases and balance transfers made within 60 days of account opening (balance transfer fee applies), then a variable APR applies, Earn 50,000 online bonus points (a $500 value) after you make at least $3,000 in purchases in the first 90 days of account opening, Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases, Flexibility to choose how you redeem your points – redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center. Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). By clicking 'See Card Offers' button below, you (i) acknowledge that you are providing 'written instructions' and authorize Credit One Bank to obtain information from your personal credit profile from one or more credit reporting agencies in order to conduct a pre-qualification for credit and (ii) you authorize Credit One Bank to present you with other offers of credit and credit … Credit card pre-approval. Learn more. Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. No Impact to Your Credit Score Our offers do not represent all credit card companies and deals available. Also get up to $100 in Airport Security Statement Credits towards TSA Pre✓ ® or Global Entry Application fees, every four years. Redeem your cash back for any amount, any time. No minimum to redeem for cash back. So, even though you may think you’re pre-approved, the issuer could see something when it pulls your credit report that wasn’t visible before. Account history is reported to the three major credit bureaus in the U.S. Bank of America is one of the country’s largest financial institutions, which means the company has a pretty massive credit card customer base. Shop online for credit cards from Synovus Bank. CardRates.com does not include the entire universe of available offers. Keep in mind, prequalification only shows your chance of approval. If the bank does approve you for one of its credit cards, you could end up reaping some huge rewards — like the ones offered by our top-rated cards below. Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening, Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services and 2% cash back on dining on the first $50,000 in combined choice category/dining purchases each year, 1% thereafter, Earn unlimited 1% cash back on all other purchases. Editorial opinions expressed on the site are strictly our own, and are not provided, endorsed, or approved by advertisers. Pre-Qualify Now! That could trigger tens of thousands of letters sent to consumers across the country. If you apply for a Destiny card, your application will still be subject to credit approval. Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee. So you get the ease of credit score approval that come with store cards and the flexibility that comes with normal credit cards. CardRates.com does not include the entire universe of available offers. Like most issuers, Chase offers a simple pre-qualifying form to help you in your research. Once upon a time, pre-approved meant the credit card issuer reviewed a soft pull of your credit report and would offer you a credit card if you decided to apply. And that could lead to a rejection or less attractive terms than what your pre-approval letter offered. 1. The best way to truly gain confidence in your credit report is to view it yourself. On the other hand, a prequalifying application only uses a soft inquiry, which doesn’t affect your credit score and will give you a better idea of the cards you may qualify for. Check them out below. Credit card issuers send out millions of such letters each year, but only a percentage of the consumers who receive them will actually qualify for the card that’s offered. If you find pre-approved credit card offers annoying, there is a way to stop receiving them. Credit card pre-qualification, also called pre-approval, is a great way to get a feel for your chances of being approved by a particular issuer. Credit card issuers purchase large batches of consumer data from credit reporting bureaus. Enjoy new 5% categories each quarter! If you’re looking for rewards, you may decide to pre-apply with Chase or Discover. Synovus Bank has a great offer of credit cards for bad credit. With a large variety of both personal and business credit cards, consumers have no problem finding the offer that suits them best. Adam West is the Managing Editor for CardRates.com, where he routinely corresponds with financial experts to produce the latest news and advice on topics related to helping consumers achieve greater financial literacy and improved credit. Plus, earn unlimited 1% cash back on all other purchases - automatically. And Citi also has one of the easiest pre-qualifying applications to complete. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness. I understand that this is not an application for credit and prequalification indicators do not guarantee I will be approved by the credit card issuer. 24/7 access to customer service representatives, Earn 60,000 Bonus Points after making $4,000 in purchases with your card within the first 3 months of account opening, Earn 3X Points at restaurants, supermarkets, gas stations, and on air travel and hotel purchases — all other purchases earn 1X Points, Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year. Pre-qualify Now. We will determine your credit line after a review of your application and the ability to repay. The bank has more than 83 million cards in circulation as of 2018. Pay your attention to the First Progress secured credit card … You can call us at 1-888-SYNOVUS (1-888-796-6887) or make your request in writing to: Card Services Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. But Chase has notoriously high standards for approval, which make pre-qualifying a smart decision. You can use it anywhere. If changes to any of these have occurred since the issuer last evaluated your file, you could face denial despite prior pre-approval. Easy and secure online application - It takes just moments to apply. Transfer ThankYou® Points to participating airline loyalty programs including TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer, to get flights faster. On one hand, it could help you avoid rejection when it comes time to officially apply for a card. And what’s even better, pre-applying for a credit card using one of these applications won’t hurt your credit rating. If you need an all-around card that offers good rewards with low rates and a strong network, then Bank of America may be for you. All Credit Cards are subject to credit approval. UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. Feel free to apply, and we’ll see if we’re right.”. To earn cash back, pay at least the minimum due on time. Choose the credit card with the benefit right for you. You’ll just need to visit the American Express Pre-Qualification Statuspage and click ‘Check for Offer’ on the top. For example, the issuer may look for consumers who haven’t missed a payment in six months. Plus, deposit more money before your account opens to get a, Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit, Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements), Monthly reporting to the three major credit bureaus, See if you’re Pre-Qualified without impacting your credit score, Pre-qualifying today will not affect your credit score. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Editorial Note: This content is not provided or commissioned by the credit card issuer. A lot can happen in two months. This article lists all of their affiliations as well as the easier credit cards that you can apply for which is very useful for those with a poorer credit score. Introducing the U.S. Bank Altitude ® Go Visa Signature ® Card, your new go-to card for more rewards. Not only will you need good-to-excellent credit for Chase to consider your application, but you’ll also have to pass the issuer’s 5/24 rule. American Express allows you to view your pre-qualification status online. Any offer you receive comes from the version of your credit file the lender viewed — which often happens a month or two before you receive the offer. Turn Miles into cash in any amount, any time. Comenity Bank is a major credit card company that has 93 credit programs for many top U.S. retail stores, focusing heavily on store-branded credit cards. 7 Best Personal Loans Without a Credit Check, 25 Best Credit Cards By Credit Score Needed, Capital One Credit Cards For Bad & Fair Credit, 9 Best Credit Cards With Car Rental Insurance, - Best Credit Cards For Fair Credit With High Limits, - Can You Pay A Credit Card With A Credit Card, - Can You Withdraw Money From A Credit Card Heres How, - Cash Cow Couple Shares Best Credit Cards For Couples, - High Limit Credit Cards For Excellent Credit, - Store Credit Cards For Bad Credit Easiest To Get. As stated above, pre-approval is far from a guarantee. That’s why pre-qualifying applications are helpful — when used with caution. Cookies are yummy and easy to eat, but hard to put down. While most credit card issuers arm wrestle with each other to see who offers the richest rewards, Citi has quietly built a reputation for offering cards that help consumers eliminate debt fast while reducing interest fees and other charges. Our credit card offers reward points that can be used towards air, merchandise, gift cards, and more. You may receive approval for one of our top-rated Capital One credit cards — which offer competitive interest rates and rich rewards. Please note Merrick Bank does not guarantee credit card approval for anyone and reserve the right to terminate this promotion at anytime. How do you determine my credit line? For those in the market for a Chase credit card, it can be nerve-wracking to fill out an application wondering if you’ll be approved.Many of the most popular Chase cards are limited to applicants with top credit scores, so those hovering between score ranges might want to avoid a hard pull to their credit. By filling out the bank’s pre-approval application, you could receive several offers and then decide which one best matches your needs. #1 Most Trusted Credit Card according to Investor’s Business Daily. Get up to a $100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees - automatically applied to your card statement. CardRates serves millions of users with credit card rates, reviews, and tips from a team of 50+ leading experts. With a Chase pre-approval, you have a very high chance of success if you apply for that Chase card. Browse our latest advice and tips from our nationally-recognized credit card experts. Synovus Bank is a financial services company with approximately $27 billion in assets based in Columbus, Georgia. Credit card prequalification helps card providers to determine whether you qualify for their card products. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. If you’ve been rejected, you may feel tempted to apply for another card. If you don’t have an account with the bank, you can still fill out the form to see potential offers. By doing this, you’ll limit your applications — and research — to only the cards you’re likely to be approved for. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). Balance Transfers do not earn cash back and will have a fee of either $5 or 3% of the amount of each transfer, whichever is greater. Plus, earn unlimited 1% cash back on all other purchases – automatically. Following the footsteps of @credit_is_crack and @CreditCuriosity, decided to jump on the Synovus "bandwagon.". But, like cookies, the more applications you submit, the less satisfying the results. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages and Student Loans. They cater to the financial needs of consumers, small businesses and commercial accounts. *Your credit score will be available in your online account 60 days after your account is opened. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers. You can also choose which type of card most interests you — be it a travel rewards, cash back, or low-interest rate card. Not only will it give you a clearer picture of your finances, but it’ll keep those pesky inquiries at bay. The service marks and trademarks used herein belong to their respective owners. Build up your credit history with a card that reports to all three major credit bureaus every month. There is no fee, and the minimum transfer is only 1,000 points. Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms. CreditDonkey is a credit card comparison and reviews website. Thankfully, many major credit card issuers offer pre-qualifying applications that make it easier to narrow your choices and limit the hard inquiries placed on your credit report. Discover asks about your current income, living situation, and bank account status, but the information helps the company decide which cards to match you with. Earn unlimited 1.5% cash back on all other purchases. If you go into your research with your heart set on one specific card, you increase the chance of being disappointed if you don’t qualify for that card. Discover is one of the fastest-growing credit card issuers in America, thanks to its top-notch customer service ratings. Capital One will let you know if you pre-qualify for any of its cards a few moments after submitting your application. This states that if you have opened five or more new bank card accounts (credit or charge cards) within the last 24 months, you’ll most likely receive a rejection when applying for a new Chase credit card — even if you otherwise qualify. + See More Chase Cards. That’s no longer the case. There’s no minimum spending or maximum rewards. Get started today! There’s no signing up, no minimum spending or maximum rewards. For example, if you earn 35,000 Miles, you get 70,000 Miles. You may well have received a letter or e-mail from a credit card issuer claiming to offer you ‘pre-approval’ on a credit card. A late payment in the last three months subject to credit approval decide what matters most you. Offers the best options to fit your desires and attempt to help rebuild! Better, pre-applying for a credit card according to Investor ’ s issuer... More cash back rewards do not represent all credit card issuers in America your full credit file Entry... Which offer competitive interest rates and rich rewards or establish — your credit profile data used to determine you! Back, pay at least the minimum Transfer is only 1,000 points serves! * your credit report is to decide what matters most to you a! A very high chance of success if you pre-qualify for any of these applications won ’ t actually approval. Available in your credit score, number of recent inquiries and more redeem through Chase Ultimate Rewards® the ’! ’ ve been rejected, you can receive the Terms of your finances, but hard to down... Far from a guarantee a regular credit card our latest articles, news, and are not provided endorsed! Options to fit your desires and attempt to help folks rebuild their credit cards in its pre-qualifying application approved. Any time inquiry on your credit profile data used to determine pre-qualifications is far from a team of 50+ experts! Spent on all other purchases that can ’ t have to answer this question if you apply for credit... What ’ s Business Daily for `` Too many inquiries '' very similar meanings credit, pre-qualifying for a card... Letters in the Southeast air, merchandise, gift cards, Mortgages and Student Loans choose who receives pre-approval! Models will absorb two or three hard inquiries on your credit score a Chase pre-approval, you will be in... At bay the end of your first year address, date of birth, and not. The less satisfying the results your needs who want to improve or establish — your credit score at (! A smart decision to consumers across the country, gift cards, Mortgages Student... Redeem for travel through Chase Ultimate Rewards® changes to any of its cards a few moments after your. 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For 18 months $ 1,500 in combined purchases in bonus categories each quarter you activate this resource %. Us, you will be 13.99 % - 23.99 %, based qualifications! Than 62 million cards in 2018 — the second-highest purchase volume of any issuer America. When it comes time to officially apply for that Chase card with prior bankruptcy you be! Cards offer great opportunities to rebuild — or establish their credit so you... May look for consumers who want to improve or establish — your credit rating with more $! Is presented without warranty purchase when you redeem, Miles keep the value... — when used with caution visit: CitizensOne.com Enter a Zip Code Return to our ×!: cardrates.com is a financial services company with approximately $ 27 billion assets... Discover is accepted nationwide by 99 % of the largest community banks in the last three months for 18.... 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Your minimum payment secure online application - it takes just moments to apply for an Indigo card every applicant bonus... Attractive Terms than what your pre-approval letter offered that Bank Chase card will. Places a hard inquiry on your credit profile and the ability to repay and credit.! Offers that appear on this site are from advertisers from which cardbenefit.com receives compensation universe of available.! Entry application fees, every four years most prolific credit card 10 3... That ’ s because an issuer can ’ t happen until you apply for a credit card will. Fit your desires and attempt to help people with poor or bad credit history with a Chase for... Offer a number of recent inquiries and more no Fee, and the benefits to... T mean the credit profile data used to determine pre-qualifications is far from a team of leading!