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Maximizing Targeted Offers and the Card Match Tool

by on August 23, 2013 · 41 comments

in American Express, Credit Cards

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Update: The offer mentioned below for the Platinum Card from American Express has expired. View the current offer here.

I’m constantly on the lookout for the best credit card deals out there so I can pass them along to my readers and we can all reap the benefits of huge points bonuses and the amazing travel experiences they unlock.

However, not all of the best credit card offers are made public – many of them are targeted and not available to the general pool of potential cardholders. However, there are still some great tools to help you find out what the best current credit card offers are, ways to apply for them, and to ensure that you are getting the best possible offer out there on the cards that you are interested in.

One of those tools is the CreditCards.com Card Match tool, which allows you to see if you have any special offers targeted towards you. Often the bonuses that are available through the Card Match Tool are 50-100% higher than the best current offers out there, so it’s always worth checking before you apply for a new credit card. It was through the Card Match Tool that the Premier Rewards Gold card from Amex carried a 50,000-point sign-up bonus back in February, and the 100,000-point sign-up offer on the Amex Platinum card that came and went in just about a day back in January.

I have heard that there might be some new credit card offers over the next few months, but you won’t find them being advertised to the general public. I will definitely be reporting on them here as soon as they break, so be sure to keep up to date on the news I post, but I also wanted to remind you to check the Card Match tool every so often just to keep up on which offers you’re being targeted to you.

Current Offers
Just out of curiosity, on August 23, 2013 I checked which offers are currently on it and found several special Amex offers including one 45,000 SkyMiles for the Gold Delta SkyMiles Amex when you spend $5,000 in 6 months with the $95 annual fee waived the first year versus the public offer of just 30,000 SkyMiles after $500 in spend- a 50% difference! These are the offers present today (8/23/13) and may not currently be available.

To use the Card Match tool and see if you are eligible for any of these offers:

1. Go to the Creditcards.com Card Match Tool:

The Card Match Tool will not pull a hard inquiry on your credit

The Card Match Tool will not pull a hard inquiry on your credit

2. Enter your information – don’t worry, it doesn’t do a credit inquiry or a hard pull, so it will not affect your credit score.

3. You should be redirected to a page with the following four offers from American Express and can apply directly from there.

There is currently the following offer on the Delta SkyMiles Gold Amex.

The offer of 45,000 miles is 50% higher than the current public offer.

The offer of 45,000 miles is 50% higher than the current public offer on this card.

Update: The Card Match tool is no longer loading the 45,000 mile offer for the Gold Delta SkyMiles card. The current offer is 30,000 miles after $1,000 in spend within the first 3 months plus a $50 statement credit after your first Delta purchase within 3 months.

Up to 45,000 Delta SkyMiles for the Gold Delta SkyMiles Credit Card from American Express: You get 25,000 miles upon first purchase and 20,000 more miles for spending $5,000 within 6 months – and like I said, the current public offer is just 10,000 miles with first purchase. The spending requirement on the offer is much higher at $5,000, but you get 4.5X as many miles for it and can actually use the miles towards a decent award, versus the 10,000 miles you get with the public offer.

In addition to the Delta Amex, there are two other American Express offers that have been up there for a while and are still going strong:

Blue Cash Preferred 25k

Why settle for 150 Reward Dollars when you can get 250 instead for spending the same amount of money?

250 Reward Dollars for the Blue Cash Preferred Card from American Express: There current sign-up bonus for this card is just 150 Reward dollars when you spend $1,000 in 3 months. However, with this offer, you earn 250 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership instead – that’s $100 extra value, the equivalent of an additional 10% return on your spending.

Blue Cash Everyday 15k

Get 150 Reward Dollars instead of just 100 when you spend $500 in 3 months.

150 Reward Dollars for the Blue Cash Everyday Card from American Express: The bonus here is 50% above the usual public offer of just 100 Reward Dollars when you spend $1,000 in 3 months.

I believe we will see some really great offers through CreditCards.com in the coming weeks and months, so I would keep checking back there for updates, but you can always count on me to report any breaking deals, so bookmark The Points Guy, follow me on Twitter, and let’s go earn some points!

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • Jeff

    Does this card match tool make a hard credit pull on your credit file? If so wouldn’t checking this lower your credit score?

  • thepointsguy

    No it does not

  • http://travelwithgrant.com/ Grant

    You can actually leave the SSN boxes blank and submit the form and get the same offers. The offers haven’t changed in a few months.

  • FJL

    The site does not begin with https. Be aware.

  • peter

    do your own research: just got ax gold (bus) with 75k miles after spending 2k

  • Steve

    How many Amex cards will they issue to one person? I’ve already got a Fidelity Gold, regular Business Platinum, and Delta Business Platinum. I’ve just been approved for the Starwood Preferred, bringing the total to 4. If I could add a fifth, I’d like to get a personal Delta Platinum when there’s an MQM bonus offer. Is that reaching too far?

  • Dieuwer

    I disagree that the 45,000 SkyMiles offer for $5,000 spend is better than 30,000 SkyMiles for $500 spend.
    Instead of spending an extra $4,500 to get 15,000 Skymiles, I could instead charge my Chase Sapphire Preferred $4,500 and get 9,000 UR points that transfer 1:1 to United giving me 9,000 UA miles. Those 9,000 UA miles are more valuable than 15,000 Skymiles.

  • thepointsguy

    Sapphire only gives 1x per dollar.. Unless you’re only spending on travel/dining, but that’s comparing apples to oranges and stacking it in sapphires favor. Generating 5k in spend is cheap and easy with Vanilla Reloads

  • thepointsguy

    4 credit cards and no limit on charge (platinum/premier rewards/gold, etc)

  • Winelover

    General Question on targeted offers via email/mail: Does the person who received the email/letter have to apply or can anyone click through/use the code provided and get the bonus?

  • Steve

    Does that mean you have four, or they have a limit of 4, including personal and business together?

  • Dieuwer

    Stores in my neighborhood don’t play the “manufactured spend” game. So I cannot buy Vanilla Reloads with a credit card.

  • Tony

    †If you are identified as a current American Express® Cardmember, you may not be eligible for this welcome bonus offer.

    Terms attached to the Delta offer. Is this possibly only for non-AMEX cardholders?

  • thepointsguy

    Amex has a policy of 4 credit cards (excluding charge cards) per person.

  • thepointsguy

    I’ve heard of people using other people’s invitation codes, but I’ve never done it and would not recommend it

  • Steve

    Ahh, charge card vs. credit card. Got it. Thanks

  • Winelover

    Thanks. Besides not being eligible for the offer. What do you think could happen?

  • r0m8470

    The site does not work for me … just showing the progress bar, forever. And not having the https kinda made me nervous too …. Oh well …..

  • Lantean

    where?
    thank you.

  • peter

    it can happen 2 ways: written invite from amex, or, call them and tell them that you had one (that usually does it too)

  • peter

    I have platinum/gold/gold bus. virgin white and black, citi amex; that’s 6 and i’m sure, I could get more

  • JTP

    …which is 3 charge, 2 credit and one citi card, which is within the limits.

  • Brian L.

    The VS cards are issued by Bank of American, NOT by American Express. And they just switched them to Mastercards.

  • mofo

    Not doing it due to lack of HTTPS as others have mentioned. In simple terms this means your personal info is not transmitted encrypted and can be easily intercepted with all your info and worse off your social.

  • Steve

    He is right. I just entered my wife’s name with no SSN and got the same results.

  • Mark R.

    No https, no secure symbol (closed lock), no go!

  • disqust101

    Sucks to be you.

  • disqust101

    You get same offers without filling out the SSN info.

  • Dave Sherman

    Thanks for posting this. I found the exact offer I was looking for through the card match tool, and signed up right away.

  • JC

    The people who designed the Card Match Tool are clowns. While there is no hard inquiry on your credit report, unlike many other prequal tools out there this one will not work if you have your Experian credit file frozen. You are forced to pay Experian $10 to unfreeze your credit report before this tool will produce any results for you.

  • mofo

    Thank you, this worked for me.

  • emak

    I recently opened the Delta Amex with the 30,000 points offer. Is it possible to get matched now to the 45,000 points offer?

  • thepointsguy

    Thanks for bringing this to my attention – should be fixed now!

  • thepointsguy

    The https should appear now when you use the Card Match Tool.

  • thepointsguy

    The https should appear on the Card Match Tool URL now.

  • Pingback: Top 25 Travel Credit Cards With The Lowest Bonus Minimum Spending Requirements | The Points Guy

  • Michael Heffner

    I still look on the site from time to time and its been these crap poor credit offers recently, no good cards. I don’t give my ss#, just the address. My fake-fico is 790, so I assume it only shows crap offers because thats all it has to offer at the moment.

  • http://www.doctorofcredit.com/ doctorofcredit

    Good tip.

  • mongo

    I have 750 fico and many ccs including amex platinum – the cardmatch tool only showed 13 ccs matched to me – all crappy ccs, and none was amex, chase or citi. Bizarre. Not happy:(

  • Acynic

    This company promotes cards that is is paid to promote. I have sent a letter to the CFPB to investigate. It saddens me to think that thepointsguy would promote them as much as he does, but I’ll assume he doesn’t know much about their business model and pricing scheme – or he’s being compensated to promote them.

  • djrobsd

    Can someone help me understand how the CardMatch tool works? Every time I use it, all I get are Capital One and First Premier Bank cards, those are banks I USED to deal with when my credit score was in the low 600s but now that it’s in the mid to high 7′s I don’t deal with those banks any more, so I’m not quite sure why they keep giving me crappy offers (I even use an incognito window). I guess Amex just doesn’t want my business, they never target me for anything, yet Chase approves me for a 17k Ink card on the dot. Guess I know who deserves all my business.

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