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Credit Card Approval Odds Calculator

  • Writer: Adam Garrett
    Adam Garrett
  • Dec 28, 2022
  • 1 min read

Updated: Feb 26

In the spreadsheet linked in the picture below, I go over some options for getting prequalified, preapproved, or at least better chances of approval, going over which institutions (out of dozens) are available on which approval odds location at the time that I checked them.

Information on credit cards & credit card approval odds

Where to Check Personal Credit Approval Odds in Order of Issuer Volume

Where to Check Business Credit Approval Odds

Where to Prequalify Directly with Issuers

Amex: Prequalify here if you aren't a current card member. Current card members reportedly won't have a hard credit inquiry if they are denied for a card.


Bank of America

Capital One

Chase here if you don't have an account, & here also if you do & are signed in

Citi

Discover

Penfed here if you don't have an account, here also if you do

US Bank - existing customers only here

Wells Fargo

USAA - members only here

If you see any institutions available that are missing, please state so in the comments with any missing issuers. I suspect that due to the volume of inquiries/applications I have and otherwise some issuers may not be showing when I check that would be showing for others when they check.


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