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GAFC's Most Recommended Credit Card Pre-approvals
Establishing credit can be tedious
so I've done some leg work for you.
These are all the best credit card companies for building credit. Apply with NO HARD PULL on your credit report.
and we love and recommend to our clients
Find out if you're pre-approved for a Walmart credit card with no impact to your credit score
Earn 5% cash back at Walmart.com, including pickup and delivery
The Walmart store card can only be used here:
Walmart, Walmart.com, Walmart Neighborhood Market, Sam’s Club, and Murphy USA gas stations
Walmart Capital One credit card can be used everywhere.
Apply Here with no hard credit pull
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Capital One will see if you are pre-approved for the Capital One Walmart Rewards® Mastercard®. If we are unable to pre-approve you for this card, they will automatically consider you for the Walmart Rewards® Card.
The minimum credit score for the Walmart Credit Card varies, scores usually have to be 640 and up to be approved for the Capital One Walmart credit card, even people with lower scores in the 500's have been approved for the Walmart store card, which means you may qualify for this card when you wouldn't normally qualify for others.
If you don’t qualify for the Walmart Credit Card, the issuer may consider you for the Walmart® Store Card.
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Apple credit card by Goldman Sachs Bank
Apply Here with no hard credit pull
With Apple you can get
pre-approval right from your iPhone, with no impact to your credit score!
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See your credit limit and interest rate offer.
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No annual fees, no late fees, no foreign transaction fees.
No fees. -
Choose any amount you wish to pay and watch Apple Card
estimate the interest cost for you. -
Goldman Sachs Bank pulls from Transunion, so make sure you know what your Transunion scores are before you apply.
Get 35% off your first order with your new Kohl's charge card!
Apply Here with no hard credit pull
Get Pre-Approved For a Kohl's Card Today
Usually a 600 credit score will get you approved for a Kohl's store card as long as you don't have a bunch of collections and store card charge offs on your credit report.
Kohl's usually pulls their credit information from Experian but have been known to also pull from Transunion, depending on your location.
Pre-Approve
Children's Place Store Card
Apply Here with no hard credit pull
With Children's Place you can get
pre-approval with no impact to your credit score!
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This pre-approval will only require the last 4 digits of your social security number.
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Approval odds are good even with a low credit score (525).
$200 bonus plus 5% gas station cash back offer
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.*Same page link to Offer Details And earn 5% cash back on gas station purchases on up to $6,000 spent in the first year. *Same page link to Offer Details
This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
See which Petal Card is right for you with no impact to your credit score.
Apply Here with no hard credit pull
Petal 2 “Cash Back, No Fees” Visa® Credit Card
The Petal 2 Visa Credit Card is designed to help you build credit. You can qualify with no credit history, and may be eligible for a credit limit between $500 and $10,000. Unlike many introductory credit cards, the Petal 2 comes with cash back between 1% and 1.5% at select merchants.
The Petal 2 credit card has APRs ranging from 12.99% and 26.99%, depending on your creditworthiness. There’s no annual fee for this card. You can get pre-approved directly on Petal’s website.
See if you pre-qualify with no impact to your credit score.
Apply Here with no hard credit pull
Double Your Credit Limit with Reflex!
See if you pre-qualify
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Up to $1,000 credit limit doubles up to $2,000*.
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It takes less than a minute.
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Review your offer and apply.
* Simply make at least your first six required monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.
See if you pre-qualify with no impact to your credit score.
Apply Here with no hard credit pull
See if you're pre-approved
with no harm to your credit
See if you pre-qualify with no impact to your credit score.
Apply Here with no hard credit pull
The Surge Mastercard® Features
• Initial Credit Limit Up To $1,000
Card offers are for an authentic Mastercard with a Credit Limit between $300 and $1000.
• Double Your Credit Limit
Simply make at least your first six required monthly minimum payments on time and your Initial Credit Limit up to $1,000 doubles up to $2,000.
• The Buying Power of Mastercard
An authentic Mastercard to use wherever Mastercard is accepted. Shop anywhere online or outside with your new Surge credit card. Make the purchases you need with the buying power of your new credit card.
• No Hidden Fees
Transparent disclosure of all terms and conditions. With Surge Mastercard you know what you are signing up for.
• Rates
APR(variable) ranges from 24.99% to 29.99%.
• Annual Fee
Ranges from $75 to $99.
All pre-qualified offers are based on credit worthiness.
• Mastercard Zero Liability Protection
Card holders not held responsible for unauthorized charges on the Surge card. This is subject to Mastercard Guidelines.
• Report to All 3 Major Credit Bureaus
To help people build or re-establish credit history.
See if you pre-qualify with no impact to your credit score.
Apply Here with no hard credit pull
Know in less than 60 seconds without impacting your credit.
Cash Back Rewards - Earn cash back rewards on eligible purchases†
Free Credit Score - View your Experian credit score and credit report summary online†
Zero Fraud Liability - Know you won’t be held responsible for unauthorized charges
Credit Line Increases - Receive regular account reviews for credit line increases
More Rewards - Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants
Pre- Approval does not impact to your credit score!
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Victoria Secret Store card can also be used at Bath and Body Works
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$25 off your first purchase with your card.
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This card is a great credit builder card and it comes highly recommended by MBM.
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Earn 100,000 Membership Rewards® Points
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after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
My GM Rewards Mastercard
Get 15,000 bonus points after spending $1,000 in your first 3 months.1 15,000 points is worth $150 in value when redeemed with GM towards vehicles, GM Certified Service and more GM purchases!
