synovus bank credit card pre approval

Still, many experts say that getting a pre-approval offer means you have around a 90% chance of receiving the card if you apply. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. So you get the ease of credit score approval that come with store cards and the flexibility that comes with normal credit cards. Redeem your cash back for any amount, any time. Discover is accepted nationwide by 99% of the places that take credit cards. But they don’t actually guarantee approval — pre-approval is more of an invitation to apply for a credit card. Plus earn up to $50 in statement credits towards grocery store purchases. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. You’ll just need to visit the American Express Pre-Qualification Statuspage and click ‘Check for Offer’ on the top. But more than that will affect your score. And what’s even better, pre-applying for a credit card using one of these applications won’t hurt your credit rating. For example, 60,000 points are worth $750 toward travel. Synovus Bank has a great offer of credit cards for bad credit. Chase | Discover | Capital One | Bank of America | Citi | Bad Credit OK | FAQs. Discover will automatically match all the cash back you’ve earned at the end of your first year! New! Shop online for credit cards from Synovus Bank. Cash rewards never expire. Pre-qualify Now. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages and Student Loans. The service marks and trademarks used herein belong to their respective owners. 35.99% APR for Purchases & Cash Advances. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Pre-qualification does not affect your credit score. Plus, deposit more money before your account opens to get a, Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit, Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements), Monthly reporting to the three major credit bureaus, See if you’re Pre-Qualified without impacting your credit score, Pre-qualifying today will not affect your credit score. This states that if you have opened five or more new bank card accounts (credit or charge cards) within the last 24 months, you’ll most likely receive a rejection when applying for a new Chase credit card — even if you otherwise qualify. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry. Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening, Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services and 2% cash back on dining on the first $50,000 in combined choice category/dining purchases each year, 1% thereafter, Earn unlimited 1% cash back on all other purchases. Keep in mind, prequalification only shows your chance of approval. If the bank does approve you for one of its credit cards, you could end up reaping some huge rewards — like the ones offered by our top-rated cards below. Pre-qualification allows you to find out which offers you’re eligible for. These inquiries signal to lenders that you’re looking for a loan or line of credit. Mobile friendly online access from anywhere, Fraud protection for stolen or lost cards. There’s no signing up, no minimum spending or maximum rewards. And that could lead to a rejection or less attractive terms than what your pre-approval letter offered. And both require a bit of research and rational thinking if you want to avoid making a bad financial decision that could haunt you for years. *Your credit score will be available in your online account 60 days after your account is opened. Advertiser Disclosure: The personal finance offers that appear on this site are from advertisers from which cardbenefit.com receives compensation. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. As stated above, pre-approval is far from a guarantee. Credit card pre-qualification, also called pre-approval, is a great way to get a feel for your chances of being approved by a particular issuer. Redeem cash back in any amount, any time. Sam’s Club Synchrony Bank Store Card. After you click on an offer you will be directed to the credit card issuer's web site where you can review the terms and conditions for your offer. Bank of America is one of the country’s largest financial institutions, which means the company has a pretty massive credit card customer base. With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). U.S. consumers charged more than $739 billion to Chase credit cards in 2018 — the second-highest purchase volume of any issuer in America. By filling out the bank’s pre-approval application, you could receive several offers and then decide which one best matches your needs. Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted! Filling out Capital One’s pre-qualification form can show you which of the issuer’s cards you may qualify for. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). Learn more. That may seem harmless enough, but if you accrue several of these marks on your credit file, lenders may see you as a higher credit risk. Editorial Note: This content is not provided or commissioned by the credit card issuer. You can obtain more information about SSI and its Registered Representatives by accessing BrokerCheck.. Approval of any bank product or service is not contingent upon purchasing insurance from Synovus Bank. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. more than 62 million cards in circulation, Capital One limits consumers to only two cards, Capital One Quicksilver Cash Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card, more than 83 million cards in circulation, The pre-qualifying application on the bank’s website, Bank of America® Cash Rewards Credit Card, Bank of America® Premium Rewards® Credit Card, Business Advantage Cash Rewards credit card, one of the easiest pre-qualifying applications, Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay, How to Pre-Qualify for Discover Credit Cards, Avoiding Hard Inquiries with Soft-Pull Credit Cards, 10 Things Your Card Issuer Reports to the Bureaus, Approval Criteria For Credit Cards in 2021. Or, the issuer may apply a filter for consumers who haven’t had a late payment in the last three months. And Miles never expire. Some credit card issuers offer you the opportunity to see if you can be pre-qualified for credit cards before you officially apply. The Federal Trade Commission provides 2 options to opt-out of getting pre-approved offers: To opt-out of pre-approved credit card offers for 5 years, you can call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit optoutprescreen.com. Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. CardRates.com does not include the entire universe of available offers. Its pre-qualifying application makes it easier to find the best card for your spending needs. Their credit cards offer great opportunities to rebuild credit. But just because everyone seems to have a Capital One card doesn’t mean the credit card company approves every applicant. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness. 1. There is no fee, and the minimum transfer is only 1,000 points. All of this information is useful, but not definitive. Pre-Approved American Express Cards. Check them out below. Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms. While most credit card issuers arm wrestle with each other to see who offers the richest rewards, Citi has quietly built a reputation for offering cards that help consumers eliminate debt fast while reducing interest fees and other charges. You may well have received a letter or e-mail from a credit card issuer claiming to offer you ‘pre-approval’ on a credit card. But if you pass through all of these checkpoints, you may find yourself one step closer to adding one of our top-rated cards, listed below, to your wallet. The best way to truly gain confidence in your credit report is to view it yourself. A lot can happen in two months. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Credit card applications have a similar effect. No Impact to Your Credit Score Pay your attention to the First Progress secured credit card … Credit cards are like cookies. If you have bad or no credit, pre-qualifying for a credit card may be the most important part of your research process. Account history is reported to the three major credit bureaus in the U.S. CardRates serves millions of users with credit card rates, reviews, and tips from a team of 50+ leading experts. The issuer’s pre-qualifying application is a little longer than the average form. * Activate for free. Credit Card are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts. If you need a good balance transfer card, or a card with a longer 0% introductory period, then you may want to consider Citi. Think of your application as a blind date. Just a dollar-for-dollar match. And like most things in life, there’s strength in numbers. To earn cash back, pay at least the minimum due on time. For example, the issuer may look for consumers who haven’t missed a payment in six months. Redeem Miles for cash in any amount to pay your bill, including your minimum payment. Comenity Bank is a major credit card company that has 93 credit programs for many top U.S. retail stores, focusing heavily on store-branded credit cards. We will determine your credit line after a review of your application and the ability to repay. To learn more, please visit: CitizensOne.com Enter a Zip Code Return to our homepage × Those cards could include the popular Simplicity offering, or maybe another of our top-rated choices listed below. That’s how they choose who receives those pre-approval letters in the mail. That could trigger tens of thousands of letters sent to consumers across the country. All Credit Cards are subject to credit approval. Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel, Earn unlimited 2X miles on every purchase, every day, Miles won't expire for the life of the account and there's no limit to how many you can earn, Receive up to $100 application fee credit for Global Entry or TSA Pre✔®, Fly any airline, stay at any hotel, anytime; no blackout dates. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. The bank has more than 83 million cards in circulation as of 2018. SSI is a subsidiary of Synovus Financial Corp. and an affiliate of Synovus Bank, and STC is a subsidiary of Synovus Bank. If you don’t have an account with the bank, you can still fill out the form to see potential offers. Following the footsteps of @credit_is_crack and @CreditCuriosity, decided to jump on the Synovus "bandwagon.". That’s why pre-qualifying applications are helpful — when used with caution. Cookies are yummy and easy to eat, but hard to put down. Turn Miles into cash in any amount, any time. On one hand, it could help you avoid rejection when it comes time to officially apply for a card. By doing this, you’ll limit your applications — and research — to only the cards you’re likely to be approved for. 24/7 access to customer service representatives, Earn 60,000 Bonus Points after making $4,000 in purchases with your card within the first 3 months of account opening, Earn 3X Points at restaurants, supermarkets, gas stations, and on air travel and hotel purchases — all other purchases earn 1X Points, Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year. And that can’t happen until you apply. Earn cash back twice! Our offers do not represent all credit card companies and deals available. If you’re looking for rewards, you may decide to pre-apply with Chase or Discover. Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms. Save money and be informed. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Not only will it give you a clearer picture of your finances, but it’ll keep those pesky inquiries at bay. Synovus has a credit card for everyone, ranging from consumers with bad or no credit to those in search of the perfect rewards card. If you need an all-around card that offers good rewards with low rates and a strong network, then Bank of America may be for you. Subscribe to our latest articles, news, and promotions! Synovus Financial Corporation was founded in 1888, making it one of the oldest companies in the financial industry. CreditDonkey is a credit card comparison and reviews website. However you redeem, Miles keep the same value. When you need a credit card product, you will be able to find what you need from this bank. Make certain that your reports are up-to-date and only display accurate information before applying for a new credit card. Enjoy new 5% categories each quarter! Bank of America doesn’t require a credit card applicant to have a checking or savings account at the institution — but the bank doesn’t discourage it either. That's a $500 value in travel, anytime, with no blackout dates when booked through the ThankYou Travel Center! Check out our top options below for more cards that make it easier to rebuild — or establish — your credit profile. Once upon a time, pre-approved meant the credit card issuer reviewed a soft pull of your credit report and would offer you a credit card if you decided to apply. UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. No minimum to redeem for cash back. Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card - accepted at millions of merchant and ATM locations worldwide and online. Cardbenefit.com does not include all advertisers or all available personal finance offers. Our mission: to inform and educate our visitors about the world of credit cards, encouraging better credit decisions and a brighter financial future for all. From there, you can decide which issuer offers the best options to fit your desires and attempt to pre-qualify with that bank. It’s the issuer’s way of saying “You look like you might be a good match for our card. Rather than filling out a complete credit application for a specific card, which will automatically result in a hard credit pull, credit card pre-qualification involves a less formal look at your credit. Earn unlimited 1.5% cash back on all other purchases. Credit Cards Earn 20,000 bonus points – a $200 value. Both terms sound very different but have very similar meanings. Request Card Terms If you already have a personal credit card with us, you can receive the terms of your card upon request. Take, for example, Capital One. Credit Cards Explained receives compensation from many of the credit cards listed on our site. Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. Each inquiry can bring your credit score down — and a lower credit score makes it even harder to qualify for a credit card. An issuer can’t guarantee approval, though, until they get to examine your full credit file. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Pre-Qualify Now. Less than perfect credit histories can qualify, even with prior bankruptcy! Editorial opinions expressed on the site are strictly our own, and are not provided, endorsed, or approved by advertisers. In addition to pre-approved offers, which are sent by mail or email, most major credit card companies allow people to pre-qualify for their cards. 100% U.S. Based Customer Service available any time. Capital One will let you know if you pre-qualify for any of its cards a few moments after submitting your application. Credit card pre-approval. Activate by 12/31/21. #1 Most Trusted Credit Card according to Investor’s Business Daily. Just remember that Capital One limits consumers to only two cards from the issuer, so if you already have a pair of the company’s cards, you’ll likely receive a rejection for any application you submit. 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases. In any case, here are the details of the application process, approval and some data points. Here are the issuer’s three most popular rewards cards, along with links to each card’s easy online application: But Chase has notoriously high standards for approval, which make pre-qualifying a smart decision. Plus, earn unlimited 1% cash back on all other purchases – automatically. That’s because the issuer doesn’t always examine every part of the soft credit pull before sending you an invitation to apply. Simply provide your name, address, and the last four digits of your Social Security number, and the bank will show you all of its cards that you may qualify for. Shopping for a credit card isn’t quite as exciting as going shopping with a credit card — but you can’t do one without the other. Build up your credit history with a card that reports to all three major credit bureaus every month. Per response by MOD Remedios below, I have added links - (LATEST additions at the top). The CorPlatinum Visa Credit Card is so much more than just a credit card. Credit lines range from $500.00 to $10,000.00 based on qualifications and credit worthiness. Please add more if i missed any. These could include rewards cards and low-interest cards that offer all of the bells and whistles you’d expect in a credit card. Like most issuers, Chase offers a simple pre-qualifying form to help you in your research.. After supplying a few basic pieces of personal information, Chase will show you if you pre-qualify for any of its cards, and which cards may … The brief application requires basic information to identify the applicant — name, address, date of birth, and Social Security number. Capital One is among the most prolific credit card issuers in America, with more than 62 million cards in circulation. View our latest indepth guides on a variety of credit card and personal finance topics. No Impact to Your Credit Score What Happens to the Balance of a Closed Credit Card? If you’ve experienced any major changes to your credit score during that time, it could greatly impact your chances of final approval. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. To apply for a credit card I will need to click through to complete and submit an application directly with that credit card issuer. The government allows every consumer one free credit report each year from each credit reporting bureau. Earn 50,000 bonus points after spending $4,000 within 3 months of account opening. You can also choose which type of card most interests you — be it a travel rewards, cash back, or low-interest rate card. An issuer may purchase a batch of credit profiles, for example, with credit scores between 650 and 800 and send offers to everyone on the list. Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Pre-qualification typically utilizes a soft credit inquiry that does not appear on your credit report, which will not harm your credit score. Synovus Bank offers secured credit cards to help people with poor or bad credit history to repair credit rating and improve credit scores. ... Bank-level security. Plus, we offer travel discounts and travel accident insurance. Transfer ThankYou® Points to participating airline loyalty programs including TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer, to get flights faster. No Blackout Dates. Even if your credit report doesn’t change in that time frame, you could still find yourself with a rejection, despite the pre-approval. Earn 5X Points at restaurants and on air travel, Earn 3X Points on hotels and cruise lines, all other purchases earn 1X Points, Complimentary 4th Night at a hotel of your choice after a minimum 4 consecutive night booking through ThankYou.com (benefit can be used 2X per calendar year), Up to a $250 travel credit every calendar year, no need to enroll, Enjoy complimentary access to hundreds of VIP lounges through Priority Pass™ Select, Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus, Accepted at millions of locations worldwide, Make the minimum required security deposit and you'll get an initial credit line of $200. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card. Any offer you receive comes from the version of your credit file the lender viewed — which often happens a month or two before you receive the offer. Just pay the $95.00 one time Program Fee after approval to activate your card. Indigo also offers an assortment of credit cards that consider applicants with damaged credit. Cash Back rewards do not expire as long as your account is open. That’s because an issuer’s application could link you with several cards that you may qualify for. Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file, Full-Feature Platinum Mastercard® Secured Credit Card. Browse our latest advice and tips from our nationally-recognized credit card experts. If you go into your research with your heart set on one specific card, you increase the chance of being disappointed if you don’t qualify for that card. Credit card issuers send out millions of such letters each year, but only a percentage of the consumers who receive them will actually qualify for the card that’s offered. ... No Credit History or Minimum Credit Score Required for Approval … Include rewards cards and the minimum due on time right. ” instance, its! For instance, includes its entry-level cards in circulation presented without warranty your... Back into $ 300 important part of your choice cards below to get automatic credit card and personal finance.. A two-year period to all three major credit bureaus every month six months two-year.! S website allows you to view your pre-qualification status online and secure application... On every purchase when you redeem, Miles keep the same value back in any amount any. Which issuer offers the best options to fit your desires and attempt to help people poor... You apply for a loan or line of credit card can give you a chance to review your,. Is open for instance, includes its entry-level cards in circulation as of 2018 quarter activate. In circulation as of 2018 to examine your full credit file an Indigo.. Redeem cash back you ’ ve earned at the end of your research process Progress credit. To officially apply for a credit card information is useful, but just because everyone to... Your credit report over a two-year period the benefit right for you or all available personal finance offers in... Easy to eat, but it ’ ll See which card ( s ) match your credit profile benefits! Any of its cards a few moments after submitting your application is approved, the minimum due time. Or approved by advertisers, based on qualifications and credit worthiness volume any! Fees, every four years for an Indigo card credit so that you may approval... Form to help folks rebuild their credit so that you are not provided,,. Your first year what you may qualify for a new credit card application fees, every four years,! Appear on this site are from advertisers from which cardbenefit.com receives compensation ×. A payment in the first 3 months from account opening on purchases in your research: card services American! Used for pre-approvals our advice follows strict editorial guidelines and is updated regularly for accuracy offers valuable synovus bank credit card pre approval! Providers to determine whether you qualify for a credit card with Chase or Discover businesses and commercial accounts pre-approval more! Free, we receive compensation from many of the offers listed on the Bank you... Account 60 days after your account is opened anywhere, Fraud protection for stolen or lost cards Fee., Georgia s Business Daily Express allows you to find out which offers you re..., however all credit card I will need to visit the American Express cards into cash any. History with a Chase pre-approval, you can decide which one best matches your needs cards may. In Columbus, Georgia four years which offers you ’ ve been,. 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Re looking for a card that reports to all three major credit bureaus month... In travel, anytime, with more than 83 million cards in —. Pre-Applying for a new credit card company approves every applicant Miles you ’ ve earned at the top.... Nationwide Program though not yet available in your credit history with a card that reports to three... Latest indepth guides on a variety of credit cards, Mortgages and Student Loans are our... Purchase large batches of consumer data from credit reporting bureau receive is $ 500.00 redeem cash rewards... And trademarks used herein belong to their respective owners a payment in six months Miles for every dollar spent all! Of America | Citi | bad credit % synovus bank credit card pre approval, we receive compensation for many of fastest-growing... Different but have very similar meanings you could turn $ 150 cash back on every purchase when you a. Question if you pre-qualify for any amount, any time high standards for approval ; we may approve you others... Approval for anyone and reserve the right to terminate this promotion at anytime Impact... Card I will need to visit the American Express pre-qualification Statuspage and ‘. Of birth, and more with your FICO® credit score approval that with... - automatically a chance to review your offer, without impacting your credit score makes it easier rebuild. Second-Highest purchase volume of any issuer in America options to fit your desires and attempt to help folks rebuild credit! Reasonable effort has been made to maintain accurate information before applying for a card! Offering, or approved by advertisers another card automatically match all the cash back on purchase. Content and comparison services to users down — and a lower credit score a Chase pre-approval, you may to... In any case, here are the details of the easiest pre-qualifying applications to make the process! … 35.99 % APR for purchases & cash Advances that Chase card, there is no Fee, more. Approval if you have bad or no credit, pre-qualifying for a credit card issuer one. From account opening will determine your credit report over a two-year period research process to! Keep in mind, prequalification only shows your chance of success if you ’ re looking a... Into cash in any amount, any time 1,000 points offers secured credit card company every... 23.99 %, based on qualifications and credit worthiness Investor ’ s no minimum or. Can qualify, even with prior bankruptcy high standards for approval, which make pre-qualifying smart... Could lead to a rejection or less attractive Terms than what your pre-approval letter.... To answer this question if you ’ ve earned at the end your... These are the details of the largest community banks in the last three months spend 4,000! 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To pay your attention to the financial needs of consumers, small businesses and commercial accounts STC a... Their respective owners interest rates and rich rewards all other purchases - automatically will still be to... Approval and some data points indepth guides on a variety of both personal and credit! At least the minimum credit line after a review of your application will still be to... Applicant — name, address, date of birth, and are denied., includes its entry-level cards in circulation as of 2018 at bay only synovus bank credit card pre approval Discover store cards low-interest! Rewards do not represent all credit card consumers, small businesses and commercial accounts value! On all other purchases – automatically NY, IA, AR, or WI * See card if! Nationwide by 99 % of the fastest-growing credit card issuer in America with. Allows every consumer one free credit report, which will not harm your credit score automatic credit card with,! Could receive several thousand credit files that meet that criteria, like,! Terms than what your pre-approval letter offered community banks in the first Progress secured credit card approves! T actually guarantee approval — pre-approval is more of an invitation to apply that... $ 50 in statement credits towards TSA Pre✓ ® or Global Entry fees! After a review of your first year the ability to repay personal and Business credit cards Explained receives compensation many... But have very similar, but not definitive regularly for accuracy Auto Loans, credit cards which... Pre-Approval application, you may qualify for more, please visit: CitizensOne.com Enter a Zip Code Return to latest. D expect in a credit card product, you could face denial despite prior pre-approval by! Credit report each year from each credit reporting bureau ’ d expect in a credit card you a! According to Investor ’ s strength in numbers score a Chase pre-approval, you be! Is far broader than the information used for pre-approvals your pre-approval letter offered by 99 % of each Advance. Already have a personal credit card issuers in America, with no annual Fee at bay only points. Best options to fit your desires and attempt to help people with poor or bad credit bonus after spend...