What Does Credit Card Pre-Approval Mean?

Pre-approval is an invitation, not a guarantee. The issuer believes you’ll likely qualify based on a soft credit pull, but final approval depends on your application and current financial situation.

Getting pre-approved won’t hurt your credit score, but applying will. Soft inquiries have no impact, but hard inquiries cause a small, temporary dip.

Evaluate the specific offer before you apply. Review the credit limit, APR, rewards, fees and introductory terms to make sure the card aligns with your financial goals and spending habits.