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:

  1. Visit www.discover.com/miles
  2. Ensure your invitation did not expire by looking at the top section of the letter
  3. Enter your 23 digit invitation number in the form
  4. 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.

Rsvp4Bce.com Blue Cash Everyday from American Express

If you received a credit card invitation for the RSVPBCE.com Blue Cash Everyday credit card from American Express, then you are likely seeing the positive features of this highly sought after cash back credit card. Congratulations on likely having a great credit score!

The details that we found as of this writing include:

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply. See Rates & Fees

Overall, this is a great cash back credit card offer, especially with the high 3% cach back at supermarkets, 2% at gas stations and $150 statement credit.

If you wish to apply for this credit card, you can go through the steps of adding your invitation number.


Here are the instructions to apply:

  1. Go to www.rsvpbce.com
  2. Enter your 14 character RSVP and address zip code
  3. Fill out the credit application
  4. Wait for a decision in as little as 30 seconds

From what we see, this RSVP credit offer for the Blue Cash Everyday card is not a pre-approval, and does not guarantee that you will be approved. However you were pre-screened based on your credit history, and American Express feels that you will likely be approved based on the mailing. You are still required to fill out the application.

If you want to shop around for competitive cards, there are several other cash back cards, including cards from American Express, Bank of America, Chase and other well known banks on the market.


Did you receive an invitation from Commerce Bank to apply for the Toggle Visa credit card at Commercebank.com/preapprovedtoggle?

The offer looks appealing, and you likely have a pretty good credit rating to be selected to apply as an invitation. Congrats! This does not mean that you are guaranteed approval, as you will need to apply for the card.

Here are some of the details that we found for this card, as of October 21st, 2018:

Easily manage your finances with the toggle® credit card. You can choose to pay for purchases now directly from your checking account or pay them later as you normally would.*

  • You have control and can make changes to your plan whenever you want
  • REWARDS for all purchases, big or small, no matter how you pay
  • Avoid interest on the categories you choose to pay now
  • No annual fee


In addition, the card has some interesting features, such as “Pay now”, “Pay Later” and “Undwind”. From our understanding, these options allow you to link your checking account to decide to pay off the debt immediately, or to use it as a normal credit card transaction. Unwind allows you to change your mind.

Details and videos about these can be found at commercebank.com/personal/cards/toggle.

Ready to apply for the Toggle Visa? Follow these steps:

  1. Go to Commercebank.com/preapprovedtoggle
  2. Enter your 10 character invitation code. This code is likely a combination of letters and number. Then enter your date of birth and submit the form.
  3. You will need to fill in the forms for the following 4 screen prompts, including personal, employment and financial information, as well as card options.
  4. Wait for a decision for your application for credit.

If you feel like you need to shop for other cards to see your options, we recommend a rewards card that gives cash back or air miles. You will likely have numerous options since you probably already have great credit. The Toggle Visa is fairly competitive with other prime cards. If you already have an account with Commerce Bank, then the convenience of management and bill payment would be one more reason to apply for this card.




American Express credit card applicants for the Everyday card can apply at amexcashback.com.

Get the most out of your cash back

  1. Account Credit: Apply Reward Dollars to a statement credit.
  2. Gift Cards: Choose from gift card redemptions starting at just $25.
  3. Shop: Use to shop top-brand merchandise from hundreds of retailers

The Blue Cash Everyday® Card: Earn $150 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.*

No Annual Fee* 0% intro APR on purchases and balance transfers for 15 months

Interested in applying?

Visit www.amexcashback.com and select the card that suits your lifestyle.


American Express credit card applicants can choose from 2 great cash back cards at amexbluecash.com.

Choose either the Blue Cash Everyday® Card or Blue Cash Preferred® Card.

Get the most out of your cash back

  1. Account Credit: Apply Reward Dollars to a statement credit.
  2. Gift Cards: Choose from gift card redemptions starting at just $25.
  3. Shop: Use to shop top-brand merchandise from hundreds of retailers

The Blue Cash Everyday® Card: Earn $150 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.*

No Annual Fee* 0% intro APR on purchases and balance transfers for 15 months

Blue Cash Preferred® Card: Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.

$95 Annual Fee. 0% intro APR on purchases and balance transfers for 12 months.

Interested in applying?

Visit www.amexbluecash.com and select the card that suits your lifestyle.

Have You Faced One of These Common Credit Card Problems?

As much as you hope everything goes as planned with your credit card, you could run into trouble at some point.

Fortunately, there is no issue so big that it can’t be dealt with in an efficient and timely manner.

Here are three common credit card problems, as well as information on why they happen and what you can do.

1. Your Credit Card was Declined

Can you think of anything more frustrating than this? You try to make a purchase, just to find that your credit card is not accepted.

There are many potential reasons for this, so the first thing you should do is contact your card issuer. At that point, you will have a clear idea of what’s wrong as well as a strategy for fixing the problem.

Tip: there may not be anything wrong on your end, but instead a safety measure put in place by your issuer. For example, they may deny repeated charges at the same merchant, even if they are legitimate.

2. Your Payment is Late

If your payment is marked as late, but you know you paid on time, don’t let this go. Not only can it result in a fee, but there is always the chance it could impact your credit score.

There are a few ways to avoid this problem, such as paying your bill online as opposed to via mail. Along with this, consider signing up for automatic bill pay.

If you are paying by check, be sure to give the payment enough time to reach its destination.

3. Your Annual Fee is Dragging You Down

Many of the best credit cards have an annual fee. While there is nothing wrong with paying this, as long as you are getting some of value in return, there may come a point when you realize the fee is too high.

The first thing you can do is ask your card issuer if they will waive the annual fee, even if only for a year. If this doesn’t work, you may want to consider making a change to a card with no annual fee.

Although these credit card problems are common, they don’t have to make your life miserable. Instead, there are steps you can take to combat each one in an effective manner.


Received a credit card invitation in the mail for the Blue Cash Everyday card? Apply for your Blue Cash Everyday® Card from American Express by visiting www.bceapply.com and get a decision is as little as 30 seconds.

Enjoy cash back for your spending on the following categories:

  • 3% at U.S. supermarkets, for up to $6,000 a year in purchases.*
  • 2% at U.S. gas stations and select U.S. department stores.
  • 1% on other purchases.

What we found out is that this credit card is a fantastic cash back credit card for people with great credit looking for cash rewards. With a 0% introductory APR for both purchases and balance transfers, up to 3% cash back up to $6,000 in purchases per year, and 2% cash back at US gas stations and select department stores, 1% cash back on other purchases – and with no annual fee.

To apply for this offer from American Express, follow these steps.

  1. Go to Bceapply.com
  2. Enter your 14 digit invitation number (one letter and 13 digits) and zip code
  3. Apply for the credit card and wait for a response, normally within 30 seconds

Alternatively, you can apply without the invitation number or compare other credit cards. However there are not many that we know of which beats the perks and rewards of the Blue Cash Everyday card!

Prequalify for a Credit Card

While this post is not for a credit card invitation, we wanted to share some information that can help you if you are curious, or do not want to harm your credit score with a denial by using a soft credit pull.

Some of the larger US banks offer prequalification. A pre-check so to speak, to see what credit cards you are likely to get approved for. This in now way is a guarantee of approval, but offers some clarity of where you stand.

Consider these credit card issuers if you don’t have a specific credit card in mind.

American Express https://www.americanexpress.com/us/credit-cards/check-for-offers/

Bank of America https://secure.bankofamerica.com/secure-offers/public/customizedOffers/

Capital One https://www.capitalone.com/credit-cards/prequalify

Chase https://www.chase.com/personal/credit-cards/pre-qualified

Credit One https://www.creditonebank.com/pre-qualification/data-entry/indexB

Discover Card https://www.discovercard.com/application/prequal

U.S. Bank https://www.usbank.com/credit-cards.html

There are other banks that offer prequalification for credit cards. However we hope that this list of popular banks helps your chances of approval!


Did you receive a credit card mail offer to apply for the American Express Platinum credit card at www.amexplatinumrsvp.com? You must have a pretty good credit history, and are feeling pretty happy about this, especially if you travel often.

This exclusive card is not for everyone, especially with the $550 annual fee. However the benefits can easily outweigh the cost if used correctly. If you are a crafty rewards seeker, then read on and stay encouraged about this offer.

The $200 in Uber rides, and $200 in airline fee credit are a great way to offset the annual fee. The main perks that has our attention about the Platinum card is the 5X points and global lounge collection access. As a traveler that is aware of this, you know how fast they can multiply, especially for a regular passenger.

Convinced and ready to apply? Follow these steps:


  1. Visit Amexplatinumrsvp.com
  2. Enter your RSVP and zip code
  3. Fill out the application for credit
  4. Wait for a decision – American Express states that you will get a decision in as little as 30 seconds.

Like any exclusive travel rewards credit card offer, use the perks and rewards wisely. We sincerely hope that this is helped you make a decision to apply, and that you are approved for the offer.


American Express Everyday credit card offers are being mailed out to selected applicants with instructions to visit amex.us/aedrsvp. The AEDRSVP offer is tailored to people that want to earn rewards for shopping on everyday purchases, such as super markets. Like any credit card RSVP, this is simply an invitation to apply, since you were likely pre-screened based on your credit quality.

This card is very competitive to other rewards cards for people with excellent credit. As of this writing, there is a 2% points bonus on purchases at super markets (up to $6,000 in purchases per year), and 1% on other purchases. Along with this, there is a 0% introductory APR offer for balance transfers, as well as a 20% rewards bonus in a billing cycle if you use your card 20 or more times during that time.

Ready to apply for the Amex Everyday credit card? You can apply for the card in these easy steps:

amex.us/aedrsvp application

  1. Visit amex.us/aedrsvp
  2. Enter your RSVP code
  3. Enter your zip code
  4. Fill out the credit application for aed
  5. Wait for a decision online. You may be prompted that you will receive a decision in the mail if you are not approved or there are issues

Congratulations if you are approved! We hope that AMEX EveryDay credit card treats you well and you are able to reward yourself back on your every day purchases.