Credit Cards, Insights

Best Soft Pull Credit Cards in 2022

flik eco finance personal best soft pull credit cards

If you’re looking for the best soft pull credit cards, you’ve come to the right place. In this guide, we will discuss what makes a soft pull credit card so great, and recommend some of our favorite options. A soft pull credit card is a great choice for anyone who wants to build their credit history or get a lower interest rate on their current debts. So, what are you waiting for? Read on to learn more about the best soft pull credit cards available today!

What Are Soft Pull Credit Cards?

Soft pull credit cards are a type of credit card that allows you to check your credit score without affecting your credit score. This is because a soft pull is not reported to the credit bureaus.

There are many benefits to using a soft pull credit card. For one, you can use it to monitor your credit score. If you see any changes in your score, you can take action accordingly. Additionally, soft pull cards can help you avoid hard inquiries on your report.

Hard inquiries can negatively impact your score and stay on your report for up to two years. By using a soft pull card instead, you can keep hard inquiries off of your report altogether.

What Are The Different Types of Soft Pull Credit Cards?

There are three main types of soft pull credit cards: business, personal, and secured.

Business Soft Pull

Business soft pull credit cards are designed for businesses and usually have higher limits and lower interest rates than personal or secured cards.

Personal Soft Pull

Personal soft pull credit cards are meant for individuals and usually have lower limits and higher interest rates than business or secured cards.

Secured Soft Pull

Secured soft pull credit cards require a security deposit but often come with fewer fees and a lower interest rate.

What Are The Benefits of Getting Soft Pull Credit Cards?

There are a few benefits of getting soft pull credit cards.

The first benefit is that you can get your credit score without affecting your credit score. This is important because your credit score is used to determine the interest rate you pay on loans and lines of credit. If you have a high credit score, you will save money on interest payments over the lifetime of the loan.

The second benefit of getting a soft pull credit card is that it does not require a hard inquiry on your credit report. This means that yourcredit score will not be affected by applying for the card.

Finally, some soft pull cards offer 0% APR for an introductory period, which can save you money on interest payments if you carry a balance on your card.

What Are The Best Soft Pull Credit Cards?

So, what are the best soft pull credit cards? Here are our top picks:

The Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card offers great rewards and has no annual fee. Plus, you can get a 0% intro APR on purchases for the first 12 months.

Chase Freedom Unlimited Card

The Chase Freedom Unlimited Card also has no annual fee and offers a 0% intro APR on purchases for the first 15 months. You’ll also earn unlimited cash back on every purchase.

Citi Simplicity Card

This is another great option for people who want low interest rates and no annual fee. It doesn’t come with a rewards program, but it does offer 0% APR for the first 18 months.

Discover it Cash Back Card

The Discover it Cash Back Card offers cash back rewards and a 0% intro APR on purchases for the first 14 months. There is no annual fee with this card, either.

These are just a few of the best soft pull credit cards out there. Be sure to compare different cards to find the one that’s right for you and your spending habits. And remember, a soft pull credit card is a great option if you’re worried about your credit score.

How to Decide Which Type of Soft Pull Credit Cards You Want?

When you’re looking for the best soft pull credit cards, there are a few things you need to take into account. The most important factors are:

  • How often you plan on using the card
  • What type of purchases you’ll be making
  • Whether you want a rewards program or not

If you plan on using the card frequently, then you’ll want to look for one with low interest rates and no annual fee. If you only plan on using it occasionally, then a rewards program may be more important to you than low interest rates.

How Many Soft Pull Credit Cards Should Someone Have?

Ideally, you should have at least one soft pull credit card. This will help you keep your options open and improve your chances of getting approved for new lines of credit.

Having multiple soft pull credit cards also comes in handy if you ever need to transfer balances or make a large purchase. By having more than one card, you can shop around for the best interest rates and terms.

What Credit Limit Do Soft Pull Credit Cards Have?

Most soft pull credit cards have a credit limit of $500. However, there are some that have a higher credit limit of $1000. There are also some that have a lower credit limit of $250.

What Is the Interest Rate on Soft Pull Credit Cards?

The interest rate on soft pull credit cards is usually between 14% and 24%. However, there are some that have a lower interest rate of 12%. There are also some that have a higher interest rate of 26%.

What Are the Fees Associated with Soft Pull Credit Cards?

There are no fees associated with soft pull credit cards. However, there may be annual fees, balance transfer fees, or cash advance fees associated with other types of credit cards.

Do Soft Pull Credit Cards Report to The Three Major Credit Bureaus?

The answer to this question is a little complicated. While most Soft Pull Credit Cards will not report to the three major credit bureaus (Experian, TransUnion, and Equifax), some may report to one or two of them. It all depends on the individual card issuer.

So, if you’re looking for a Soft Pull Credit Card that will help boost your credit score, you’ll need to do some research to find out which cards report to the credit bureaus.

Fortunately, we’ve done that research for you and compiled a list of the best Soft Pull Credit Cards that report to all three major credit bureaus.

Best Soft Pull Credit Cards That Report To All Three Major Credit Bureaus:

  • Capital One Platinum Credit Card
  • Chase Freedom Unlimited Credit Card
  • Discover it Secured Credit Card
  • Wells Fargo Platinum Visa Credit Card

These are just a few of the best Soft Pull Credit Cards that report to all three major credit bureaus.

What is The Best Way to Use Soft Pull Credit Cards?

The best way to use soft pull credit cards is by using them for everyday purchases. This will help you build up your credit history and improve your credit score.

Another great way to use these cards is by using them for balance transfers. This can help you save money on interest payments and help you pay off your debt faster.

If you are looking for the best soft pull credit cards, there are a few things you should keep in mind.

First, make sure that the card does not have an annual fee. Second, look for a card with a low interest rate.

Third, find a card that offers cash back or rewards points.

Finally, make sure the card issuer reports to all three major credit bureaus.

Do The Best Soft Pull Credit Cards Have Any Annual Fees?

The best soft pull credit cards will have low or no annual fees. Some of the best include the Chase Freedom Unlimited, which has no annual fee and offers a $200 sign-up bonus after you spend $500 in the first three months. The Capital One Quicksilver Cash Rewards Credit Card also has no annual fee and offers a $150 sign-up bonus after you spend $500 in the first three months.

Do The Best Soft Pull Credit Cards Have Rewards Programs?

The Best Soft Pull Credit Cards will have great rewards programs that can save you money on your everyday purchases.

Many of these programs will also offer special discounts and perks for using their card.

Some of the Best Soft Pull Credit Cards will even offer cash back or points that can be redeemed for gift cards or merchandise.

Be sure to check out all the features and benefits before you decide which card is right for you.

What Are The Best Soft Pull Credit Cards For Travel?

There are many different types of travel credit cards available, so it can be difficult to decide which one is best for you. However, if you’re looking for a card with great travel benefits, then you should definitely consider a soft pull credit card.

Some of the Best Soft Pull Credit Cards for travel include the Chase Sapphire Preferred Card, the American Express Platinum Card, and the Citi Prestige Card.

Each of these cards offers great perks such as free checked bags, priority boarding, and travel insurance.

So if you’re a frequent traveler, then one of these cards may be a great option for you.

What Are The Best Soft Pull Credit Cards For Balance Transfers?

If you’re looking to transfer your balance from one card to another, then you’ll want to consider a soft pull credit card.

Some of the Best Soft Pull Credit Cards for balance transfers include the Discover it® Balance Transfer Card, the Citi Simplicity® Card – No Late Fees Ever, and the Chase Slate®.

Each of these cards offers 0% APR for 18 months on balance transfers, so you can save money on interest and get your finances back on track.

Do The Best Soft Pull Credit Cards Offer 0% APR?

The best soft pull credit cards offer a 0% APR on purchases and balance transfers for the first 15 months. After that, a variable APR applies, currently 14.99% – 24.99%.

Do The Best Soft Pull Credit Cards Come With Sign-Up Bonuses?

The best soft pull credit cards come with sign-up bonuses, but they vary greatly in size and value.

Best Soft Pull Credit Cards With Bad Credit

Bad credit can make it difficult to qualify for a traditional credit card, but there are still some options available. Here are the best soft pull credit cards for people with bad credit:

Capital One Platinum Credit Card

This card offers a low annual fee and a reasonable APR for those with bad credit. It also provides access to a higher credit limit after making your first five monthly payments on time.

Discover it® Secured Credit Card

This is a great option for people with bad credit who want to rebuild their credit history. It has no annual fee and offers cash back rewards on your purchases.

Credit One Bank® Unsecured Visa® with Cash Back Rewards

This card offers cash back rewards on your purchases, as well as a reasonable APR for those with bad credit. There is an annual fee, but it is waived the first year.

First Progress Platinum Prestige Mastercard® Secured Credit Card

This card offers a low annual fee and a reasonable APR for those with bad credit. It also provides access to a higher credit limit after making your first five monthly payments on time.

These are just a few of the best soft pull credit cards for people with bad credit. Be sure to shop around and compare features before you apply to find the card that’s right for you.

Do Amex Have Soft Pull Credit Cards?

American Express is a popular credit card issuer, but you may be wondering if they offer any soft pull credit cards. Unfortunately, American Express does not currently offer any soft pull credit cards.

Is It Easy to Qualify for Soft Pull Credit Cards?

The answer to this question is both yes and no. While there are some credit cards that require little to no credit history, there are others that may be more difficult to qualify for.

However, if you have a good credit score and a strong financial history, you should have no problem qualifying for most soft pull credit cards.

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About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

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