Credit Card Invitations

Credit card holders that are offered a second card for the Reflex Mastercard can learn how to apply. The mail offer pointed you to go to getreflexcardnow.com.

Some of the reasons you may want to attain a second card includes:

• Increased levels of credit
• Improved credit utilization percentage
• A chance to improve your credit score

According to the Celtic Bank website, this offer does not mean that you are guaranteed approval. Quote “*A Pre-approved credit card offer means you meet our initial credit and underwriting criteria and your application may be approved for this Reflex® Mastercard® offer if you continue to meet this criteria. See Rates, Fees, Costs and Limitations.”

If you wish to apply for a second card from Reflex, follow these steps:

1. Go to getreflexcardnow.com
2. Enter your reservation number
3. Enter your social security number
4. Enter your email address
5. Enter your gross annual income

There are other options to apply for a second card, such as browsing and choosing a card from credit card comparison sites or banks if you don’t feel that this is the right fit for you.

Did you receive a mail invitation for the Citi Double Cash credit card? Instructions were likely for you to go to Citi.com/lovedoublecash to apply.

This card boasts a 0% on balance transfers for 18 months (with a 3% transfer fee, minimum of $5) and no annual fee. The Citi Double Cash card lets you earn cash back twice. 1% unlimited on purchases and an additional 1% as you pay for those purchases. This credit card is competitive with other top cash back credit cards in the marketplace.

Earn cash back rewards on every purchase with the Citi® Double Cash card. You get unlimited 1% cash back when you buy, plus another 1% back as you pay for those purchases. Make your money go further with one of Citi’s best cash back credit cards.

What Earns Cash Back

When you make a purchase, you earn 1% unlimited cash back. Then, you earn an additional 1% cash back as you make payments for that purchase, whether you pay in full or over time.

To earn cash back, pay at least the minimum due on time.

You earn cash back on all your purchases and on payments based on your purchases. You do not earn cash back based on balance transfer, cash advances, account fees, interest or returned items.

Redeem

Choose to receive your cash back as a statement credit, direct deposit, check; or convert to points.

Here is how you accept your offer and apply for the Citi credit card:

• Visit citi.com/lovedoublecash
• Enter your unique confirmation from the invitation letter to apply. This should be located to the right side in either pink or purple letters, above your name and mailing address.
• Fill out the credit card application
• Add an optional balance transfer
• Submit your application and wait for a credit decision

Citi offers many credit cards well suited for most applicants. We recommend considering other cash back credit card rewards, and comparing other cards if cash back is your priority. We find it likely that the Citi Double Cash card offer will remain compelling, but competitive with increased cash back rewards in the marketplace. 2% cash back is a good offer for most credit applicants.

You may have received a credit card invitation in the mail to apply for the Green Credit Card from American Express at amex.us/greenrsvp.

This Amex card offer features 3X points

The Green RSVP offer does have a $150 annual fee, however if you use the card frequently for rewards and travel, that will likely not be a major issue. With no foreign transaction fees, bonus points, statement credits, and additional points this card is a great candidate for frequent flyers. Definitely worth considering.

Here are some of the rewards perks:

EARN 3X MEMBERSHIP REWARDS® POINTS
on travel including flights, hotels, transit, taxis, tours, and ridesharing services ‡

EARN 3X MEMBERSHIP REWARDS® POINTS
at restaurants worldwide ‡

Up to $200 in Statement Credits
Up to $100 in annual statement credits to help you get through security faster with CLEAR®‡
Up to $100 in annual statement credits to access 750+ airport lounges globally through LoungeBuddy‡

‡ Terms and Limitations apply.

If you wish to accept and apply for this offer, follow these steps.

1. Go to amex.us/greenrsvp
2. Enter the 14-character RSVP code and zip code from your invitation
3. Fill out the credit card application
4. Wait for a decision

Did you receive a letter in your mailbox for the Petal Visa credit card? If so, you were likely pre-screened for their cash back Visa credit card, and instructed to apply at petalcard.com/invite.

Based on our research, the Petal card is a unique and compelling offer for people that have fair credit or better – a score of 620 or higher, and wish to build credit.

They report to all 3 major credit bureaus, charge no fees, offer a cash back rewards program, and offer a credit limit from $500 to $10,000. Interest rates are a little higher than the industry, but as long as you pay off your balance before the end of the grace period, this shouldn’t be an issue.

If you wish to apply for this offer, follow these steps:

• Go to petalcard.com/invite
• Enter your 10 digit invitation code and last name
• Fill out the credit card invitation for the Petal Visa

If you were pre-screened for this offer, then you have likely been responsible with your credit usage, and are a likely candidate for this card.

If you received a credit card invitation also known as direct mail, for the First Bankcard to go to yourbankcard.com/applytoday, then you received an invitation to apply for a credit card. First Bankcard is a division of FNBO, or the First National Bank of Oklahoma.

The credit invitation is not specific to a single card, so we are not able to provide insight related to your credit offer. However most of the offers are likely for applicants with a good credit record.

If you wish to apply for the offer, follow these steps:

1. Visit www.yourbankcard.com/applytoday
2. Enter your 6 digit access code
3. Enter your 8 digit reservation number
4. Fill out your application for credit
5. Wait for a credit decision

You may have received a mail offer for a Aspire credit card, and were instructed to visit aspirecreditcard.com.

The 2 cards they currently offer are the Aspire credit card and Aspire Cashback reward card. Both are issued by The Bank of Missouri.

Both credit cards offer:

• Unsecured Credit Card
• Free Credit Score*
• Transaction Alerts
• Simple + Secure Application
• $0 Fraud Liability*
• Online Access 24/7, any device

The cashback card allows you to earn 1% cash back rewards on purchases, depending on your offer.

If you wish to respond to your credit card invitation, follow these steps:

1. Visit aspirecreditcard.com
2. Enter your 14 digit code
3. Fill out the application for credit
4. Wait for a decision

The Gold Card from American Express is a popular credit card for most consumers. If you received an invitation to apply at amex.us/goldrsvp then you received a letter with an invitation to apply for the card.

Some features of the card as of this writing include:

4X MEMBERSHIP REWARDS® POINTS
At US supermarkets on up to $25,000 per year in purchases and 4X points at restaurants worldwide., then 1X points for the rest of the year*

3X POINTS
Every trip brings you closer to the next one with 3x points on flights booked directly with airlines or on amextravel.com.

$120 Dining Credit
When you dine at participating partners, you can earn up to $10 in statement credits monthly when you pay with The American Express® Gold Card. This can be an annual savings of up to $120.‡
Enrollment required.*

From what we determined, the annual fee is high, but may counter the airline fee credit and rewards points, depending on how much you use the card and travel. You may want to consider taking a look at several other airline points rewards cards before applying. Pull out your calculator and punch in the numbers to determine if the fee is worth it on an annual level.

If you wish to apply for the Gold Card, follow these steps:

• Visit www.amex.us/goldrsvp
• Enter your 14 character RSVP and 5 digit zip code
• Fill out the application for credit
• Wait for a decision – as advertised, as little as 30 seconds

If you get approved, then congratulations! Your responsible use of credit has given you access to credit cards that are normally difficult for the average person to get approved for.

If you received an invitation to apply for the American Express Hilton Honors credit card RSVP at www.amex.us/hhrsvp, then you were likely pre-screened as a good applicant for this hotel rewards credit card.

Some of the features of this Hilton hotel credit card offer include:

• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.*
• 5X Points on dining at U.S. restaurants, including takeout and delivery.
• 5X Points on groceries at U.S. supermarkets
• 5X Points on gas at U.S. gas stations.
• 3X Points for each dollar spent on other eligible purchases.*
• Enjoy complimentary Silver Status with your Hilton Honors Card.*

Other things we found out about this card is that there is no annual fee, and a competitive APR.

If you are ready to apply for this card, follow these simple steps:

• Visit amex.us/hhrsvp
• Enter your 14 digit RSVP code (one letter and 13 digits) as well as zip code.
• Fill out the application for credit and submit the application
• Wait for a response that is usually received online

Since you likely have a great or excellent credit rating, you have room to be selective for competive hotel rewards. If you are a frequent Hilton guest, we don’t think that the Hilton Honors card from American Express will disappoint.

If you received an invitation to apply for the American Express Cash Magnet credit card RSVP at www.amex.us/magnetrsvp, then you were likely pre-screened as a good applicant for this cash rewards credit card.

From our findings, the Cash Magnet RSVP offers an excellent cash back rewards program as well as other perks. A 0% introductory period for both purchases for 15 months, no annual fee and a $200 introductory offer (based on terms) is an excellent offer.

The American Express brand is very well established, so you should run into minimal problems using your card where credit cards are accepted. Other features included with this card include “Plan It” and flexible reward redemption options.

The term “Magnet” spells it out simple for cash back rewards. The card offers 1.5% unlimited cash back from your purchases. The intro offer of $200 tops it off as best in breed.

If you are ready to apply, follow these steps:

1. Visit www.amex.us/magnetrsvp
2. Enter your 14 digit invitation code as well as zip code.
3. Fill out the application for credit and submit the application
4. Wait for a response that is usually received online

Since you likely have a great or excellent credit rating, you have room to be selective. There are comparable cash back credit cards in the market, however we don’t think that the Magnet card from American Express will disappoint.

If you received a credit card offer from Discovercard to go to the website discover.com/miles then you were pre-selected to apply for the “it Miles Card”.

The excellent credit rating that you likely have was the primary reason you received this letter. The invitation number does not guarantee your approval, but is simply an invitation to apply for the Discover It Miles Card.

From our research, we found that there is no annual fee, no blackout dates, unlimited earnings rewards points, and the ability to fly on any airline.

We always recommend that credit card applicants shop around for cards that suit the travel and financial needs before applying.

If you want this card, and wish to respond to the invitation, follow these instructions:

• Visit www.discover.com/miles
• Ensure your invitation did not expire by looking at the top section of the letter
• Enter your 23 digit invitation number in the form
• Submit the form and fill out the application

After you fill out the Discover It Miles Card application, you should receive a quick online response, or a response by mail if there are follow-up items that need to be addressed.