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Credit Card Invitations: The Best Websites

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.

What Is a Credit Card Invitation URL?

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.

Chase Sapphire

chasesapphiremail.com

2X, points on travel & dining at restaurants. Accept your Chase Sapphire credit card today. If you are interested in applying for the Chase Sapphire Visa can apply on-line at chasesapphiremail.com. You will be asked for a 12 digit invitation number, your zip code and last name.

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Common Invitation URLs and Where They Lead

Printed addressIssuerWhat it is for
citi.com/applydiamondpreferredCitiCiti Diamond Preferred mail offers; redirects to Citi's official invitation page where you enter your invitation number
getchasefreedom.com / getfreedomunlimited.comChaseChase Freedom and Freedom Unlimited mail offers; enter the offer code and your last name
get.creditonebank.comCredit OneApproval-code entry for Credit One pre-approved offers
americanexpress.com/applyAmerican ExpressRSVP codes from Amex mail invitations
discover.com/applyDiscoverInvitation numbers from Discover mail offers

No Invitation Code? You Can Still Apply

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.

Good to Know Before You Respond

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.

Credit Card Invitations: Frequently Asked Questions

Is citi.com/applydiamondpreferred legitimate?

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.

What is getchasefreedom.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.

Can I apply without the invitation number?

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.

Does responding to a pre-approved offer hurt my credit?

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.

How do I stop getting credit card mail offers?

Use optoutprescreen.com, the official service operated by the major credit bureaus, to opt out of pre-screened offers for five years or permanently.

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