FEATURED CREDIT CARDS

Destiny® Mastercard® with Instant Credit

  • ✓ Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.

    Rates & Fees

Indigo® Mastercard® - $1,000 Credit Limit

  • ✓ Get the credit limit you deserve—$1,000 guaranteed if approved
  • ✓ Don't Have Perfect Credit? No Problem!

    Rates & Fees

Milestone® Mastercard® with Cashback Rewards

  • ✓ 5% Cashback Rewards on your first $5,000 in gas purchases!
  • ✓ Guaranteed $1,000 credit limit if approved.

    Rates & Fees

amex.us/bcprsvp RSVP Code

amex.us/bcprsvp directs users to a landing page for a targeted, pre-approved offer for the Blue Cash Preferred® Card, using American Express's "Apply with Confidence" feature. This allows potential applicants to check their approval odds with a soft credit inquiry that does not affect their credit score; a hard inquiry only occurs if the applicant accepts the card offer.

Using the URL amex.us/bcprsvp for the Blue Cash Preferred® Card offer involves American Express's "Apply with Confidence" feature. A hard credit inquiry will only be performed if you are approved for the card and choose to accept the offer.

How the RSVP application process works

  1. Enter your information: Visit the specified URL and enter the 14-character RSVP code and your ZIP code from the invitation you received.
  2. Fill out the application: Complete the secure online application. Some personal information may be pre-filled based on your existing relationship with American Express. Provide any additional required information, including Social Security Number and annual income.
  3. Soft inquiry performed: American Express performs a "soft inquiry" to verify your eligibility. This does not affect your credit score.
  4. Receive an approval decision: Based on the soft inquiry, American Express will provide an immediate decision on whether you are approved for the card.
  5. Accept or decline the offer: If approved, review the card's terms and any welcome bonus. Choose to accept or decline the offer.
  6. Hard inquiry upon acceptance: A hard credit inquiry will only be conducted if you accept the card offer. This may cause a slight, temporary impact on your credit score.

This process allows you to confirm your eligibility and review offer details risk-free before any hard credit pull is performed.

Current Offer

Below is the current offer for the Blue Cash Preferred® Card from American Express. You can check if you're approved with no impact to your credit score, then review the full card details, rewards, and terms before deciding to move forward.

Blue Cash Preferred® Card from American Express

  • Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • $0 intro annual fee for the first year, then $95.
  • Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
  • Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
  • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
  • Terms Apply.
  • CLICK HERE TO APPLY ONLINE

Rates & Fees

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FICO® Credit Scores

A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.

FICO® Score Ranges:

  • Exceptional: 800–850
  • Very Good: 740–799
  • Good: 670–739
  • Fair: 580–669
  • Poor: 300–579

FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.

What is a Credit Score?

A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.

Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.

FICO® Credit Score Facts

Key Characteristics:
  • Three-Digit Number: Summarizes your credit risk.
  • Range: 300–850; higher scores = lower risk.
  • Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
  • Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.

Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.

Advertiser Disclosure:

The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

About Our Offers:

The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.