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My Top Soft Pull Credit Cards

Soft pull credit cards let you check for pre-approvals or credit limit increases without a hard inquiry. This is ideal if you are striving to increase your credit score or in the middle of repairing your credit. This can be so helpful in seeing if you have a good chance of being given a card or an increase without taking the hard inquiry at 1st. Getting pre-approved means that you typically have a 90% chance of approval if you apply, so it's best to know what issuers offer soft pulls. Here's my list!


  1. American Express

  2. Bank of America

  3. Capital One

  4. Chase

  5. Citibank

  6. Discover

  7. U.S Bank (You have to be an existing customer though)

  8. Wells Fargo

  9. USAA (members only)



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