If you have received credit card offers in the
mail, compare those rates and incentives with
cards offered by the banks in your area. are the
direct-mail offers as good as they seemed at
first, or does the bank offer a better rate?

No, they are worse than the rates offered in the branch of the bank.

Explanation:

I compared cards offered in Bank of America and in the advertising that was sent to my mail of this bank. (see image attached) In both cases the rates are equal and the incentives as well. However, when I went to Bank of America, they were more credit cards available and I could choose the one that better fit for me needs.  

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