go.amex/getcashback RSVP Code
go.amex/getcashback as part of targeted marketing campaigns for specific cash-back credit card offers. An associated RSVP code is a unique, 14-digit alphanumeric code included with pre-approved offers, which flags an online application as pre-approved and can increase the odds of approval for that particular card.
Using an American Express RSVP code allows for a streamlined online application process for specific credit card offers. After entering the 14-digit RSVP code and your ZIP code on a dedicated landing page, some of your information may be pre-filled, leading to a customized application page that requires additional financial details for final review.
Entering an RSVP code and ZIP code directs you to a pre-filled, secure online application for a specific credit card offer, identifying you as potentially pre-approved but not guaranteeing final approval. Following this, you may need to verify your identity and provide additional financial information for a full credit review before receiving a decision.
A hard inquiry will likely be performed, but it happens after you have been approved and decide to accept the card. This is part of a specific "soft pull until approval" application process that American Express uses.
Here's how it generally works for the Blue Business Cash™ Card
- Initial soft pull: When you enter your RSVP code, American Express performs a soft inquiry on your credit report to assess your eligibility. This soft pull does not impact your credit score.
- Approval decision: You will receive a decision about your approval. At this point, the process differs from other card issuers because no hard inquiry has been done yet.
- Your choice to accept: If you are approved, American Express will present you with the card offer and its terms. You then have the option to accept or decline the card.
- Hard inquiry upon acceptance: If you accept the offer, American Express will then perform a hard inquiry on your personal credit report. This is when your credit score may be temporarily affected.
- Hard inquiry for business cards: For business cards like the Blue Business Cash™, American Express typically performs a hard pull on your personal credit, which can impact your score.
Related Offer
Below is a related consumer credit card offer from American Express. Many users prefer starting with consumer cards due to rewards structure and flexibility. In many cases, responsible use of consumer cards can still lead to future targeted business card offers depending on credit behavior and account history.
You can review the details of the related offer below before applying. Because this process begins with a pre-qualification step, it will not impact your credit score unless you choose to move forward after reviewing your eligibility and completing the full application.
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
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
- 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.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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.