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

Destiny Mastercard Invitation - screenshot

To apply for the offer, 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

Did you receive a letter to apply for the Upgrade Visa at 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
  • 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.

While not totally a pre-screened credit card offer, the First Digital credit card by NextGen can be applied for at

The Mastercard credit card requires a $95 program fee if you are approved. A $75 annual fee for the first year, and $48 after the first year. These fees are high, especially for a card with just a $300 limit, but the card is designed for damaged or no credit histories.

According to First Digital, the card offers a full-feature Mastercard credit card, accepted nationwide.

The First Digital Card is a genuine Mastercard credit card that does not require perfect credit for approval. Complete our easy online application now and get a response in as little as 60 seconds!


We would recommend checking out the rates and comparing this card to other offers on the market designed for poor or no credit. Otherwise, visit to apply online.

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

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
  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 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.

Here is how you accept your offer and apply for the Citi credit card: offer
  • Visit
  • 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 new Green Credit Card from American Express at

This long awaited offer by some is now available, with 3X points instead of 2X.

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.

If you wish to accept and apply for this offer, follow these steps. greenrsvp screenshot
  1. Go to
  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

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

Enter your 10 digit invitation code and last name

Fill out the credit card invitation

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, 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: screenshot
  1. Visit
  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

If may have received a mail offer for a Aspire credit card, and instructed to visit

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: screenshot
  1. Visit
  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 then you received a letter with an invitation to apply for the card.

Some features of the card as of this writing include:

At US supermarkets on up to $25,000 per year in purchases and 4X points at restaurants worldwide.‡

on flights booked directly with airlines or on‡

$120 Dining Credit
Earn up to $10 in monthly statement credits at participating partners.‡
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:
  1. Visit
  2. Enter your 14 character RSVP and 5 digit zip code
  3. Fill out the application for credit
  4. Wait for a decision – as advertised, as little as 30 seconds