What Credit Score Do You Need to Get Pre-Approved for a Credit Card?

iQuanti: If you’re applying for a credit card, you may want to consider a card that offers pre-approval. While it doesn’t mean you’ll be guaranteed a card, you’ll have a good chance of being approved if you choose to apply.
Pre-approval is how credit card companies screen their customers to decide if they are a good fit for the credit card. Typically, pre-approval forms require you to supply basic personal identifying information such as your name and Social Security number to the company, and they will do a soft pull on your credit to learn if you’d be a good customer. This decision is based primarily on your credit score.
Your credit score can dictate if you’re pre-approved or not and what your interest rate is. Here’s some information about what credit score you need, and different options you may have.
Do I need a high credit score to be pre-approved?
People with all credit scores can get pre-approved for a credit card.
You don’t need a high credit score to be pre-approved, but it can improve your likelihood of being approved and get you a lower interest rate. You could also be eligible for other personalized offers, such as a higher welcome bonus.
Each credit card company has its own approval requirements, and while some give applicants an easy way to get pre-approved for all cards, others only give this option for select cards. Some credit cards offer pre-approval with credit scores as low as 630, though others may require 690 or higher.
If you have a specific card in mind, a higher credit score may increase the chances of being approved for that card. Otherwise, research or compare pre-approval qualifications. Some cards may even show you your specific offer, including credit limit and APR, before you apply.
Options if you have a lower credit score
Even if you have a lower credit score, there are options available to you. These cards may be more basic but can help to build or rebuild your credit so you can upgrade to a better card in the future.
Source: iQuanti, Inc.