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Credit card mail offers: What to do with them

See whether you’re preselected or preapproved for certain credit card offers.

Receiving credit card offers in the mail can be both a bit annoying and useful — annoying because it’s just more paper to deal with, but useful because it clues you in that you likely have a high chance of approval for that credit card. But if you find such offers to be more annoying than useful, you can always opt-out to never receive another offer.

What to do with credit card mail offers

If you’re looking for a new credit card, read the terms and conditions to determine whether you’re getting a good deal. Here are things to look for:

  • Rewards.
    With a good credit score or higher, chances are you’ll be getting a credit card mail offer for a rewards credit card. See the rewards categories and consider whether the card is worth it.
  • Interest rates.
    The APR is the interest you’ll be paying on your balance transfer or on your purchases if you carry a balance. If the card comes with a 0% intro APR period or a low APR, it could be worth considering; especially if you’re planning to make a large purchase or to move your balance from a high-APR credit card.
  • Credit limit.
    Check if your credit card offer comes with a high enough credit line for your needs. On the other hand, if the credit limit isn’t as high as you need it to be, you can always request a credit limit increase after a few months of card use.
  • Annual fee.
    As a bonus, if the new credit card offer comes with a rewards program, an intro APR period and it has no annual fee, it could definitely be worth considering.

What kind of credit card mail offers can I get?

There are two most common credit card mail offers you can receive:

  • Preselected.
    This type of offer is based on your credit history — which means it matches the card issuer’s approval criteria — but the card issuer needs more information before they can approve your application.
  • Preapproved.
    Card issuers have already accessed your credit details and believe you are a good fit for their cards. This credit card offer has the highest approval rating, but it’s not a guarantee you’ll be approved.

Pros and cons of getting credit card offers

Before you decide whether to opt-out from getting credit card mail offers, here’s what to consider:


  • It helps you see offers you could otherwise miss.
  • You can always ignore offers you don’t like.
  • You can see your approval chances before you apply.


  • You may get offers for predatory cards with high fees and interest.
  • You could be a victim of fraud if someone gets a hold of sensitive information.

Why am I getting credit card mail offers?

A common reason you might receive credit card offers in the mail is because of good credit. If you have good credit, issuers see you as a good prospective cardholder.

You might also receive credit card mail offers for the opposite reason: bad credit. In this case, an issuer may want to sway you toward opening a credit-building card. Either way, issuers are always on the lookout for new customers and tailor these offers to your financial circumstances.

How to stop getting credit card offers in the mail

You can safely delete your credit card mail offer if it’s delivered online, or shred the physical copy if you received it via snail mail. Credit card mail offers may contain sensitive information, so it’s important no one else gets a hold of it.

If you’re tired of getting credit card offers by mail, here’s what to do:

  1. Call 888-567-8688 or visit
  2. If you went online, scroll down the page and click Click here to opt-in or opt-out.
  3. Select either Electronic opt-out for five years or Permanent opt-out by mail.
  4. Fill out the form and submit.

If you selected to opt-out permanently, you need to print and sign the permanent opt-out election form. Mail the form at the provided address on the website.

If you ever change your mind, you can opt-in again.

What if I get an offer from USPS informed delivery?

Informed delivery is a service available through USPS that allows you to receive digital images of your incoming mail before it gets delivered.

Should you receive a card offer in the mail that is displayed by informed delivery, you may also receive an application link at the same time. You can click this link to start the online application process before you receive your physical invitation. Just note that some applications require a unique passcode that is only supplied in the physical invitation.

mail sent by citi to Amy

Consider applying for a credit card directly online

You might prefer to apply for a credit card directly online, rather than through an offer you receive in the mail. Below you can compare credit card offers that best fit your financial needs.

Name Product Welcome Offer Rewards Annual fee Filter values
BlockFi Bitcoin Rewards Credit Card
Up to $100 in Bitcoin rewards by earning 3.5% back in Bitcoin on all purchases in the first 90 days
3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin, then 1.5% on all purchases
Earn 3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin. After that you'll earn a solid 1.5% back on all purchases.
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees

Compare up to 4 providers

Bottom line

Credit card mail offers could be useful if you want to know your approval chances and terms for certain credit cards. Keep in mind, getting a credit card offer doesn’t guarantee approval; it only means you have high chances of approval.

But sometimes, you can find better cards that fit your financial needs by looking for credit cards on your own.

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