Smarter matching with soft pull

Qualifying your customers

We’ve upgraded how customers are qualified and routed to a card — so more people get a real offer, with no impact to their credit score.

  • Soft-pull qualification (via Spinwheel) — customers see what they qualify for with a soft credit check: no hard inquiry, no hit to their score.
  • Built-in identity verification — a one-time passcode confirms each applicant, with a short knowledge-based check as a backup when we can’t auto-match them.

Smarter matching

  • Automatic tiering — each customer’s soft-pull result places them in the right tier behind the scenes.
  • The lender waterfall — customers are routed to the right lender, cascading through options until they land on the best-matched offer.