So, you got invitation to apply for Gold (earning MRs), but you're also talking about BCP (which earns cash back), while comparing both to Chase cards?
If travel is your goal, BCP wont help.
Yes, I am talking about two cards with different reward structures. And I understand that the BCP won't help with travel. I am grappling with how to make the most out of a grocery card, haha.
I just don't know what MR offers as a complement to say, my UR points. That's why I brought BCP up.
If a pre-qualified offer is available or displayed online, it really doesn't matter since they'll base their decision on your overall profile, especially for POT. Your score should suffice.