Pre-approved credit cards are offered by banks based on credit card pre-approval, considering factors like credit score and financial history, without requiring an initial application. Being pre-approved for credit cards means you qualify for an offer, but final approval is still needed. These pre-approved credit cards come with benefits like quick processing, minimal paperwork, and special rewards. However, before accepting a pre-approved credit card, you should review the terms, interest rates, and fees. If you’re wondering, “Should I accept a pre-approved credit card?”, ensure it fits your financial needs and affordability. Maintaining a good credit score improves eligibility for pre-approved credit card offers.