Category: Credit Card Invitations

Did you receive a credit card invitation for the Mission Lane Visa credit card? If so, you were likely sent an invitation to apply for the card at missionlanecard.com.

This is an exciting credit card offer for most people with good or fair credit. The card is issued by Transportation Alliance Bank, Inc. dba Tab Bank. Here are some of the highlights as of December 2022:

• Get an instant decision
• Higher credit lines over time
• Transparent pricing with no hidden fees
• Free online credit education
• Credit reporting to all 3 major bureaus (Equifax, TransUnion, and Experian)

Additional features include:

• See if you qualify instantly without harming your credit score.
• Get a higher credit line if you’re in good standing after making your first 6 payments on time.
• Free, online credit score access for cardholders.
• No interest on purchases when you pay in full and on time each month.
• No security deposit required – get started today!
• Enjoy coverage from Visa®.
• Access your account anytime, anywhere with our mobile app.

If you are interested in applying, follow these simple steps:

• Visit missionlanecard.com
• Enter the 12-character code from your mail offer
• Fill out the application for credit.

You should receive a credit decision in moments unless there are incomplete items on your application.

You may have received a letter in the mail to apply for the Oportun Visa card at oportun.com/myoffer. If so, this is a good sign that you were pre-screened to apply for the credit card, issued by WebBank.

We see that the card initially gives a $1,000 credit line, an annual fee as high as $49, and rates between 24.9% V – 29.9% V.

If you have good credit, with a FICO in the 670-720 range, then we consider this a fair offer. You may want to consider comparing cards from other issuers before applying, such as cards with rewards, especially if your credit score is 700+.

Otherwise, if you want to apply for the Oportun Visa, follow these steps:

• Visit oportun.com/myoffer
• Enter your offer code and name, and then click continue
• Fill out the application for credit

You may have received a credit card mail offer that pointed you to go to yourreflexcard.com.

Some of the perks of the Reflex Mastercard (as of this writing) include:

Credit Limit: Card offers are for an authentic Mastercard with
a Credit Limit between $300 and $750.

Rates: APR(variable) ranges from 25.90% to 29.99%.

Annual Fee: Ranges from $75 to $99.

All pre-qualified offers are based on credit worthiness.

$0 Fraud Liability: Card holders not held responsible for unauthorized
charges on the Reflex card.

Potential Credit Limit Increase*: You may be eligible for a credit limit increase after six months of required monthly minimum payments, subject to income and underwriting criteria at the time of review.

Report to All 3 Major Credit Bureaus: To help people build or re-establish credit history.

The interest rates and fees are steep. If you are having trouble getting approved for other cards, then we understand that the Reflex card could be a good fit.

According to the Continental Finance website, this offer does not mean that you are guaranteed approval. Quote “By clicking No Reservation Number you will be re-directed to our online Reflex Pre-Qualification page. This page is separate from the mail offer you received. To qualify for the specific terms of the mail offer you received you are required to have a reservation number.”

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

1. Go to yourreflexcard.com
2. Enter your reservation number
3. Enter your social security number
4. Fill out the next form to see if you pre-qualify

You can still see if you pre-qualify without an invitation number. It won’t affect your credit score, and takes less than a minute. You can then review your offer and apply.

There are other options to apply for another 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. If you choose high interest rate cards, you should always pay off your balance regularly to avoid paying these fees.

Consumers that probably have pretty good credit have been receiving credit card invitations to apply for the Freedom Flex℠ Mastercard from Chase. If you were one of these people, congratulations. Earning good credit requires financial discipline and patience.

Details about the Chase Freedom Flex Mastercard at Getchasefreedomflex.com include a $200 welcome offer after you spend $500 on purchases in the first 3 months from account opening, earn cash back on every purchase, trip cancellation, zero liability protection and purchase protection. All this, with no annual fee.

Cash back as follows:

• Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.* Plus, earn 5% cash back on gas station purchases on up to $12,000 spent in the first year.*
• Earn 5% cash back on different categories like gas stations, grocery stores (excluding Target® and Walmart®) and select online merchants on up to $1,500 in total combined purchases each quarter you activate.
• Earn 5% on travel purchased through Chase Ultimate Rewards.*
• Earn 3% on dining at restaurants, including takeout and eligible delivery services. Earn 3% on drugstore purchases.
• Earn 1% on all other purchases.*

If you wish to apply for the Freedom Flex Card from Chase, follow these steps:

• Visit the website Getchasefreedomflex.com
• Enter your 12 digit invitation number and 5 digit zip code
• Fill out the application for the Flex Mastercard
• Wait for a decision

A cash back rewards card that pays high rewards is a good thing to have for anybody. Congratulations if you get approved for the Chase Flex Mastercard! The most important thing is to make sure you are paying off balances regularly to avoid interest charges that can offset cash rewards.

Citi Bank sends mail offers to credit card applicants that are likely to get approved for their cards. If you received a letter to apply for the Citi Diamond Preferred card at citi.com/applydiamondpreferred, then you are one of the people that were pre-screened.

The Citi Mastercard has several built in perks. As of this writing, here are some benefits that this card has to offer:

• 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% – 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
• Get free access to your FICO® Score online.
• With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
• Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
• The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

If you think that the Citi Diamond Preferred card is the right one for you, and wish to apply for this offer, follow these steps:

• Visit the webpage Citi.com/applydiamondpreferred
• Enter your 12-digit invitation code and last name
• Fill out the application for credit, and wait for a decision

This is an invitation to apply, and does not mean that you are guaranteed approval based on the letter.

Did you receive a letter in the mail to apply for a Milestone credit card at the web page milestoneapply.com?

According to the card offer, The Milestone Mastercard® represents one potential achievement on your journey to successfully managing your credit. By delivering a straightforward opportunity to build and access credit, the Milestone card enables you to meet your everyday needs.

Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. The Bank of Missouri is a well-established, FDIC-insured bank founded in 1891.

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

• Visit Milestoneapply.com
• Enter your 12 digit personal code, and zip code
• Fill out the application for credit
• Wait for a decision, normally within moments

If you received a letter in the mail to apply for the Destiny Mastercard at destinyapply.com, then you were pre-screened to apply for the card from Genesis FS services.

To apply for the offer, go to destinyapply.com and enter your application and zip code to get started. Fill out the application for credit and wait for a decision.

The Destiny Mastercard offers these benefits:

• All the benefits of a Mastercard, without a security deposit
• Keeping your account in good standing may help establish and/or improve your credit history
• Less than perfect credit is okay, even with a prior bankruptcy!
• Prequalify for a card today and it will not impact your credit score
• Reports to all three major credit bureaus
• The Destiny Mastercard is issued by First Electronic Bank, Member FDIC, and serviced by Genesis FS Card Services, Inc.

Did you receive a letter to apply for the Upgrade Visa at Upgradecard.com? If so, then you were likely pre-screened based on a good credit history to apply for the card.

The Upgrade Visa is issued by Sutton Bank. Notable features of the card include not having any fees, no touch payments by using contactless technology, mobile access, and $0 fraud liability. Interest rate ranges are large, but the lowest rates are very competitive to well known U.S. lenders. On the downside, there are no rewards, such as cash back or points.

As of this writing, here are the advertised benefits:

• Combine the flexibility of a card with the low cost and predictability of a loan
• $0 fees – $0 annual fee, $0 activation fees, $0 maintenance fees
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Access to a virtual card while you wait for your card to arrive in the mail
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Enjoy peace of mind with $0 Fraud liability
• See Rates & Fees

If you wish to apply for the Upgrade Visa credit card, then follow these steps:

• Visit Upgradecard.com
• Enter your 15 digit confirmation number
• Fill out the application for credit. Various information, such as your personal information, annual income and more are required.
• Wait for a credit decision

There are other cards that you can compare, such as cards with rewards that may be a better fit for your needs, especially if your credit score is above 780. Otherwise, the Upgrade Visa is a nice card with no fees and competitive rates.

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.