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How to use the CardMatch tool to get better credit card welcome offers

Aug. 01, 2021
9 min read
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The sign-up offers that credit card issuers display to the general public aren't always the best deals available at any given time. Sometimes banks quietly target specific consumers with even better options. While there's no one way to ensure you are included among the lucky ones who can get an even better welcome offer, there are some ways to at least quickly check to see if a better offer is available to you.

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Some issuers, such as American Express, send mailers to potential customers with limited-time offers for which they have been preselected. Others, such as Chase, make certain sign-up bonuses available only in their physical branches for banking customers.

But another great way to easily look for higher sign-up bonuses is the CardMatch tool; we'll break down what it is and how to use it.

What is CardMatch?

The CardMatch tool takes some simple personal information and matches you with current card offers for which you might be eligible. These offers can be higher — sometimes much higher — than those available through other public channels.

For example, right now, The Platinum Card® from American Express has a public welcome offer of 100,000 Membership Rewards points after you spend $6,000 on purchases on the card in the first six months. The card has a $695 annual fee (see rates and fees).

Behind the scenes, CardMatch will perform what's called a soft pull on your credit report. Based on that pull, you'll be recommended cards that you are more likely to be approved for. And the better your credit score (along with other factors), the more likely you are to be targeted for offers that are higher than publicly available offers.

Keep in mind that CardMatch does not give recommendations based on your goals or spending habits. The recommendations are based purely on what cards you are likely to be approved for. CardMatch offers are subject to change at any time.

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Why you should use CardMatch

The CardMatch tool serves two main purposes. It helps you determine which cards you are likely to be approved for and it may give you access to targeted offers from issuers.

For beginners or those with lower credit scores, knowing which cards you are most likely to be approved for can help you map out your credit card strategy while building up credit history and improving your credit score.

When you actually apply for a credit card, a hard pull is performed on your credit report. That hard pull signals to creditors that you are looking to open a new line of credit and it can lead to a three- to five-point drop in your credit score. Using the CardMatch tool to figure out which cards are best matched to your credit score can help you minimize these drops.

For those with good-to-excellent credit scores (meaning you probably aren't as worried about your approval odds), the CardMatch tool provides value differently. You can often find targeted special offers for certain credit cards that give you better welcome offer opportunities than the publicly available offers. Everyone wants the best welcome offer possible -- and that is especially important for American Express cards, as you only have one opportunity to earn a welcome offer per card per lifetime.

No matter which category you fit into, the CardMatch tool is something you should use prior to applying for a new credit card.

How to use CardMatch

First, go to the CardMatch tool homepage. It should look like this:

(Screenshot courtesy of CardMatch)

You'll need to enter some personal information, including your first and last name, home address, the last four digits of your Social Security number and your email address.

If you're concerned about incurring an extra inquiry on your credit report, don’t worry — the site only performs a so-called soft inquiry on your credit to match you with potential offers. Although the pull will show up on your credit report, it has no impact on your credit score.

Related: 6 things to do to improve your credit in 2021

You'll then have to agree to the terms and conditions, which basically state that you willingly gave your personal information to the site.

(Screenshot courtesy of CardMatch)

Then, in less than a minute, the available credit card offers should display.

The quality and quantity of offers you see on CardMatch will vary over time and from person to person -- don't expect to get impressive offers that are better than what is publicly available each time you check. If you want to apply for any of the offers you see, just click the “Apply Now” button next to the offer and you'll be taken to the bank’s site, where you can complete the rest of the process.

Since offers can and do change, don't count on that same offer being available the next time you check as it may end at any time.

Related: How many credit cards should I have at once?

Top offers you could find in CardMatch

As mentioned, targeted offers can appear on CardMatch, including an offer to earn up to 150,000 points when opening up a new Amex Platinum account and meeting the prescribed spending requirements.

Those 150,000 Amex Membership Rewards points are worth $3,000, based on TPG’s most recent valuations.

Offer retrieved Jan. 20, 2022. (Screenshot courtesy of CardMatch)

Compare that to the current public offer on the card of 100,000 points when you spend the same $6,000 in the first six months of account opening. That’s a 50,000-point difference — or $1,000 based on TPG's valuation of Membership Rewards points — so it's clearly worth checking to see if you're targeted for the higher offer.

Related: How to maximize benefits with the Amex Platinum Card

Using the CardMatch tool, we've also seen a 75,000-point welcome offer for the American Express® Gold Card after you spend $4,000 in the first six months. This offer is subject to change at any time. The publicly available offer for the Amex Gold is currently 60,000 points after you spend $4,000 on purchases in the first six months of account opening.

Offer retrieved on July 29, 2021. (see rates & fees) (Screenshot courtesy of CardMatch)

We've recently also seen increased offers for the American Express® Green Card and The Amex EveryDay® Credit Card from American Express through the CardMatch tool. In the past, we've also seen elevated offers for the Delta family of American Express cards.

The information for the Amex EveryDay Card and Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Which is the best American Express credit card for you in 2021?

Frequently asked questions

Is it safe to use?

Yes. The CardMatch tool uses bank-level security to ensure that your personal information is safe.

Does it affect my credit score?

No. As mentioned before, CardMatch performs what is called a soft pull to display the offers available to you. This type of inquiry into your credit report does not affect your credit score at all, no matter how many times one is performed.

What's the difference between CardMatch and a regular application?

Submitting your info into CardMatch is not an official credit card application.

An actual card application must be submitted to an issuer for approval or denial. In that application, you'll likely be asked for more information, including your annual income. That application then authorizes a credit card issuer to do a hard pull on your account, which is a more in-depth look that can affect your credit score (though generally only in the short term).

CardMatch does match you with credit cards that you are likely to be approved for based on your credit score, but getting a pre-qualified offer through CardMatch does not guarantee that you'll be approved. Only completing an official application will give you an official approval or denial.

Related: How to apply for a credit card

Should you apply for a credit card?

As always, whether you apply for a credit card offer depends entirely on your own travel goals, your credit history, whether you're eligible for the welcome offer and whether you can complete minimum spending requirements without harming your finances. Just because a card offer is listed on the CardMatch tool doesn't mean you'll get approved or that you're currently eligible to receive the bonus.

But if you've been waiting for the right time to apply for a specific credit card and you come across an offer on the CardMatch tool that’s better than you've seen elsewhere, it's certainly something to consider. If you're in the market for a new card, it's a good idea to check the CardMatch tool periodically to see what new offers pop up, since offers tend to change frequently.

Check the CardMatch tool to see if you’re targeted for any special offers. These offers are subject to change at any time.

Additional reporting by Stella Shon and Summer Hull.

For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Amex Gold card, click here.

Featured image by It's always a good idea to take inventory of your wallet every so often. (Photo by The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023