That web address printed on your credit card mail offer, like citi.com/applydiamondpreferred or getchasefreedom.com, is called an invitation URL. Here is what those pages are, how to make sure yours is legitimate, and the official links.
When a bank pre-screens you for a card, the mailed offer usually prints a short web address and an invitation or reservation number. Typing that address takes you to the issuer's response page, where you enter the code from your letter. For example, citi.com/applydiamondpreferred is Citi's invitation page for its Diamond Preferred card, and getchasefreedom.com is Chase's response page for Freedom card mail offers.
Safety first: only ever type these addresses yourself, directly into your browser, and check that the page you land on belongs to the issuer's real domain (citi.com, chase.com, americanexpress.com, discover.com, and so on). Scammers register lookalike addresses precisely because these URLs are printed on mail. If anything seems off, go to the issuer's homepage and navigate to the card from there; a genuine offer can always be reached that way too.
PREMIER Bankcard's 60-second application path for mailed offers, explained: what the card costs, who it is for (rebuilding credit), and how to respond to your invitation code.
Received a pre-approved offer from Bank of America in the mail? BankofAmerica.com/MyNewCard is the official response site: enter your offer code to view and accept the card you were invited to apply for.
Capital One's official mail-offer response site. Enter the reservation number and access code from your letter at getmyoffer.capitalone.com to see the specific card you were pre-approved for.
Chase's cash back card family: rotating 5% categories on Freedom Flex, flat-rate earning on Freedom Unlimited, and no annual fee on either. This is the official chase.com/freedom page.
Respond to a mailed Chase Sapphire invitation or compare Sapphire Preferred and Reserve, the travel cards whose points transfer to a dozen airline and hotel partners.
Respond to a mailed Chevron and Texaco Techron Advantage card offer: gas savings at Chevron and Texaco stations across the US.
Got a Citi Diamond Preferred letter? This is the official application address printed on Citi's mailers, for a card known for one of the longest 0% intro balance transfer periods among major issuers.
Credit Invitation explains mailed credit card offers in plain English: what the letter means, what the card really costs, and step-by-step instructions for each issuer's response site.
Fifth Third Bank's official pre-approval response site. Enter the code from your mailed offer at apply53.com to review and accept your Fifth Third credit card invitation.
First National Bank of Omaha rebranded as FNBO: one of the largest privately held banks in the US and a major issuer of co-branded and direct credit cards. Respond to mailed offers or compare its Evergreen cash back cards here.
Enter the offer code from your Disney Visa mailer to apply for the Disney Rewards Visa from Chase: Disney Rewards Dollars on every purchase plus cardmember perks at the parks.
Received a Chase Freedom invitation in the mail? This response site takes the offer code from your letter for the Freedom family of no-annual-fee cash back cards.
Get Your Sparrow Rewards Mastercard®. To get started, please enter your Offer Code from the Pre-Approved offer you received.
Response site for Bank of America pre-approved card mail offers. Have your letter handy: the offer code and last four digits of your reservation number get you from mailbox to approved in a few screens.
The address printed on Discover's mailed invitations: respond to your Discover card offer letter online instead of mailing the reply card back.
The response site printed on Southwest Rapid Rewards credit card mailers. Enter your offer code to apply for the Southwest card named in your letter and its accompanying point bonus.
The official response site for U.S. Bank mailed credit card invitations. Enter the personal code from your letter at usbank.com/myoffer to review your pre-approved offer and apply online in minutes.
| Printed address | Issuer | What it is for |
|---|---|---|
| citi.com/applydiamondpreferred | Citi | Citi Diamond Preferred mail offers; redirects to Citi's official invitation page where you enter your invitation number |
| getchasefreedom.com / getfreedomunlimited.com | Chase | Chase Freedom and Freedom Unlimited mail offers; enter the offer code and your last name |
| get.creditonebank.com | Credit One | Approval-code entry for Credit One pre-approved offers |
| americanexpress.com/apply | American Express | RSVP codes from Amex mail invitations |
| discover.com/apply | Discover | Invitation numbers from Discover mail offers |
Invitation pages exist for pre-screened offers, but every card they promote also has a public application page on the issuer's site. If your letter expired or you never got one, search the card's name on the issuer's official website. Pre-screened offers can carry promotional terms, so read both versions before applying.
Pre-screened offers are made under the Fair Credit Reporting Act, which also gives you the right to opt out of receiving them (via optoutprescreen.com, the official opt-out service run by the credit bureaus). Responding to an offer triggers a normal application and a hard credit inquiry; "pre-approved" does not guarantee approval. Rates, bonuses and terms change frequently, so always rely on the issuer's current disclosures rather than the numbers printed in an older letter.
Yes. It is Citi's official invitation address for Citi Diamond Preferred mail offers, and it redirects to Citi's secure invitation page on citi.com where you enter the invitation number from your letter. Always type the address yourself and confirm you end up on citi.com.
It is the response address Chase prints on Chase Freedom mail offers. You enter the offer code and your last name to respond to the pre-screened offer. Chase uses a similar address, getfreedomunlimited.com, for Freedom Unlimited offers.
Yes. Every card offered by mail also has a public application page on the issuer's website. The invitation number just ties your application to the pre-screened offer and any promotional terms attached to it.
The pre-screening itself is a soft inquiry and does not affect your score. Actually responding and applying triggers a hard inquiry, just like any other credit card application.
Use optoutprescreen.com, the official service operated by the major credit bureaus, to opt out of pre-screened offers for five years or permanently.