Soft pull credit cards offer a unique opportunity to check your eligibility without impacting your credit score.
Best Soft Pull Credit Cards – Quick Answer
- Destiny® Mastercard®: Best for individuals with poor to fair credit
- First Progress Platinum Elite Mastercard®: A secured credit card, ideal for people with no credit history
- Indigo® Platinum Mastercard®: Suitable for those with fair credit
At Financer.com, we’ve researched and compiled the best credit cards for 2024 to help you make an informed decision.
Find the Best Credit Card for Your Needs
| Company | Card name | Annual Fee | APR: | Max. Credit | Card System | Travel Insurance | |
|---|---|---|---|---|---|---|---|
| Destiny® Mastercard® | $75 | 24.90% | $300 | Master Card | No | See offer |
| Indigo® Platinum Mastercard® | $75 | 24.90% | $300 | Master Card | No | See offer |
| First Latitude Platinum Mastercard® Secured Credit Card | $25 | 23.74% | $2,000 | Master Card | No | See offer |
| OpenSky® Plus Secured Visa® Credit Card | $0 | 29.99% | $3,000 | Visa | No | See offer |
| First Progress Platinum Elite Mastercard® Secured Credit Card | $29 | 24.49% | – | Master Card | No | See offer |
| PenFed Pathfinder® Rewards Visa Signature® Card | $95 | 17.99% | – | Visa | No | See offer |
| PenFed Platinum Rewards Visa Signature® Card | $0 | 17.99% | – | Visa | No | See offer |
| PenFed Power Cash Rewards Visa Signature® Card | $0 | 17.99% | – | Visa | No | See offer |
| Milestone® Gold Mastercard® | $75 | 24.90% | $300 | Master Card | No | See offer |
| OpenSky® Secured Visa® Credit Card | $35 | 25.64% | $3,000 | Visa | No | See offer |
| Surge® Platinum Mastercard® | $75 | 29.99% | $2,000 | Master Card | No | See offer |
| Total Visa® Unsecured Credit Card | $75 | 35.99% | $300 | Visa | No | See offer |
| Upgrade Card | $0 | 14.99% | $25,000 | Visa | No | See offer |
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| Upgrade Cash Rewards Visa® | $0 | 14.99% | $25,000 | Visa | No | See offer |
| Upgrade Triple Cash Rewards Visa | $0 | 14.99% | $25,000 | Visa | No | See offer |
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| Company | Overall Rating | Card name | Annual Fee | APR: | Max. Credit | Card System | Travel Insurance | Get Started |
|---|---|---|---|---|---|---|---|---|
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| Destiny® Mastercard® | $75 | 24.90% | $300 | Master Card | No | See offer | |
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| Indigo® Platinum Mastercard® | $75 | 24.90% | $300 | Master Card | No | See offer | |
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| First Latitude Platinum Mastercard® Secured Credit Card | $25 | 23.74% | $2,000 | Master Card | No | See offer | |
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| OpenSky® Plus Secured Visa® Credit Card | $0 | 29.99% | $3,000 | Visa | No | See offer | |
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| First Progress Platinum Elite Mastercard® Secured Credit Card | $29 | 24.49% | – | Master Card | No | See offer | |
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| PenFed Pathfinder® Rewards Visa Signature® Card | $95 | 17.99% | – | Visa | No | See offer | |
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| PenFed Platinum Rewards Visa Signature® Card | $0 | 17.99% | – | Visa | No | See offer | |
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| PenFed Power Cash Rewards Visa Signature® Card | $0 | 17.99% | – | Visa | No | See offer | |
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| Milestone® Gold Mastercard® | $75 | 24.90% | $300 | Master Card | No | See offer | |
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| OpenSky® Secured Visa® Credit Card | $35 | 25.64% | $3,000 | Visa | No | See offer | |
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| Surge® Platinum Mastercard® | $75 | 29.99% | $2,000 | Master Card | No | See offer | |
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| Total Visa® Unsecured Credit Card | $75 | 35.99% | $300 | Visa | No | See offer | |
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| Upgrade Card | $0 | 14.99% | $25,000 | Visa | No | See offer | |
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| Upgrade Cash Rewards Visa® | $0 | 14.99% | $25,000 | Visa | No | See offer | |
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| Upgrade Triple Cash Rewards Visa | $0 | 14.99% | $25,000 | Visa | No | See offer |
What Is a Soft Pull Credit Card?
A soft pull credit card allows you to check your eligibility or get pre-qualified without a hard inquiry on your credit report. This means you can explore your options without risking a temporary dip in your credit score, which typically happens with a hard pull. Many issuers offer this feature, making it easier for consumers to shop around for the best credit card offers.
FAQs About Soft Pull Credit Cards
What is the difference between a soft pull and a hard pull?
A soft pull is a credit inquiry that doesn’t affect your credit score and is typically used for pre-qualification. A hard pull can temporarily lower your credit score and is used for final approval when applying for credit.
Can I get a soft pull credit card with bad credit?
Yes, several soft pull credit cards are designed for people with less-than-perfect credit or limited credit history. Options like the Destiny® Mastercard® and First Progress Platinum Elite Mastercard® Secured Credit Card are worth considering.
Do all soft pull credit cards report to the major credit bureaus?
Most soft pull credit cards report to at least one major credit bureau, but it’s essential to confirm this with the specific card issuer. All cards mentioned in this article report to all three major credit bureaus.
Are there any rewards cards that offer soft pull pre-qualification?
Yes, some rewards cards offer soft pull pre-qualification, such as the PenFed Pathfinder® Rewards Visa Signature® Card. However, these typically require better credit scores for approval compared to cards designed for building credit.
Top Soft Pull Credit Cards for 2024
Let’s dive into some of the best soft pull credit card options available this year:
1. Destiny® Mastercard®
The Destiny® Mastercard® is an excellent option for those with less-than-perfect credit looking to rebuild their credit profile. Its soft pull pre-qualification process allows you to check your eligibility without impacting your credit score.
Destiny® Mastercard®
- Pre-qualify without impacting your credit score
- No security deposit required
- Enjoy easy online account access 24/7
- Monthly reporting to 3 major credit bureaus
Line of credit
$300
Interest-free payment period
25 Days
Annual fee
$75
Travel Insurance
No
ATM fee
1% of each transaction in USD
Interest
24.90% – 0.00%
Based on our research, this card is best suited for:
- People with poor to fair credit (typically FICO scores between 350 to 669)
- Individuals looking to rebuild their credit
- Those who have been denied for other credit cards
- People who want a quick pre-qualification process without affecting their credit score
2. First Progress Platinum Elite Mastercard® Secured Credit Card
The First Progress Platinum Elite Mastercard® Secured Credit Card is ideal for those looking to build or rebuild credit. It offers a soft pull pre-qualification option, making it easier to check your eligibility without affecting your credit score.
First Progress Platinum Elite Mastercard® Secured Credit Card
- Reports to all three credit bureaus
- Requires no credit check
- $29 annual fee
- Free real-time access to your credit score
Line of credit
$0
Interest-free payment period
0 Days
Annual fee
$29
Travel Insurance
No
ATM fee
Interest
24.49% – 24.49%
This card could be ideal for:
- People with no credit history or very limited credit history
- Individuals with poor credit who are willing to put down a security deposit
- Those who want to build credit from scratch
- People who can afford to tie up some money in a security deposit to get a credit card
3. Indigo® Platinum Mastercard®
The Indigo® Platinum Mastercard® is a solid option for those with less-than-perfect credit looking to improve their credit profile. Its soft pull pre-qualification process allows you to check your eligibility without impacting your credit score, making it a true soft pull credit card option.
Indigo® Platinum Mastercard®
- Ideal for borrowers with bad credit
- Starting credit limit of $300
- Annual fee $75 for the first year
- Easy online application
Line of credit
$300
Interest-free payment period
0 Days
Annual fee
$75
Travel Insurance
No
ATM fee
Interest
24.90% – 0.00%
This card seems most appropriate for:
- People with fair credit (typically FICO scores between 580 to 669)
- Those who have had past credit difficulties but have started to improve
- Individuals who want an unsecured card option for building credit
- People who prefer a card with potential for a lower annual fee based on creditworthiness
How to Choose the Right Soft Pull Credit Card
When selecting a soft pull credit card, consider the following factors:
Your current credit score and financial situation
Annual fees and other associated costs
Rewards programs and their alignment with your spending habits
APR and introductory offers
Additional benefits and features
Credit building potential and reporting to credit bureaus
Factors to Consider:
Tips for Using Soft Pull Credit Cards Responsibly
How to Use Soft Pull Credit Cards Responsibly
Follow these steps to make the most of your soft pull credit card while building your credit:
Steps
Pay Your Balance in Full Each Month
Avoid carrying a balance to prevent interest charges and demonstrate responsible credit use.
Keep Your Credit Utilization Low
Aim to use no more than 30% of your available credit limit to positively impact your credit score.
Make Payments on Time
Set up automatic payments or reminders to ensure you never miss a due date.
Monitor Your Credit Report
Regularly check your credit report for errors and track your progress in building credit.
Be Selective with Applications
While soft pulls don’t affect your credit, applying for too many cards in a short period can be a red flag to lenders.
Conclusion
Soft pull credit cards offer a valuable opportunity to explore credit options without risking your credit score. Whether you’re looking to build credit, earn rewards, or simply find a card that fits your needs, there’s likely a soft pull option available for you.
Ready to find your perfect soft pull credit card?
Use our comparison tool at Financer.com to explore and compare the best soft pull credit card options tailored to your needs. Start your journey to better credit today!
Remember to compare offers, read the fine print, and use your card responsibly to make the most of these financial tools.
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