define the meaning of the college algebra
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Modern College Algebra is is basically from Freshman (High School) to Senior year math, such as Pre Cal Algebra 1 & 2 and some geometry not much
College Algebra is the required math for all college students.
A word with a special meaning in an area of study. - Apex Algebra 1 Sem 1 1.1.4
Algebra 1 is in a way better than Pre-Algebra. Algebra 1 is more advanced than Pre-Algebra and will increase your chances in college. But of course there are higher levels than Algebra 1, and if you can master those or at least maintain a decent grade (as in B or higher and maybe a C but it depends on which college or school you are planning on going to). You should not want to take the easy road in life, and that is for everything you do. Pre-Algebra is an easy road and although you may bother to learn the basics and call it a success in life, you sould still go further and maybe you will become something greater tha you expect of yourself. So, the answer to your question is answered with another question: "Do you want to become more successful in life and do Pre-Algebra or are you going to do something maybe even higher than Algebra 1?"
Calculus is higher than Algebra. There are also courses on Linear Algebra and Differential Equations that are higher than college Algebra. If you contact the Math department of any college they should be able to give you a specific answer as to what courses they correspond with and what a challenging math class would be.