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Are You Prequalified?

Are You Prequalified?

Navy Federal members can see which card they qualify for without any impact to their credit score.

What Does It Mean to Prequalify?

When you’re prequalified for a credit card through a financial institution like us, it means we’ve screened whether you can become a cardholder. By providing us with a few pieces of information, we’re able to run a quick credit check (with no impact to your credit score) and see if you’re eligible to receive a specific card before submitting your application. That way, there’s less of a risk of being denied! 

  • Answer 3 quick questions.
  • Pull your info without affecting your credit score.
  • See which card is best for you.

Learn More About Our Cards

More Prequalification FAQs

We’ll pull your name, address, date of birth and Social Security number from your member profile. You’ll just need to answer 3 questions:

  • Are you Active Duty?
  • What’s your annual income?
  • What’s your monthly housing expense?

We’ll use your information to run a soft credit pull with the credit bureaus and confirm your identity. That’s it.

Being prequalified for a credit card doesn't guarantee you can receive it. If your application isn’t approved, you’ll receive a letter from Navy Federal within 30 days explaining the reason why.

A prequalification varies slightly from a preapproval. Both will determine whether you are eligible to be a cardholder, but a prequalification is typically generated by the member, while the financial institution generates a preapproval.


The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.