Several major credit card companies, including American Express, Capital One and Discover, allow customers to pre-qualify for cards online, as stated by Magnify Money. These pre-qualification offers give consumers a basic idea of what card applications they may have a better chance of getting approved.
Whether received through the mail or filled out online, a credit card pre-approval is not a guarantee of getting approved for a credit card. Pre-approval means that the potential card applicant fits a basic credit profile used by companies to narrow down applicants, as stated by CreditCards.com. The pre-approval form is also considered a 'soft' credit inquiry, meaning it doesn't negatively impact the potential card applicant's credit report.