Apply for the best credit card offers using the CardMatch Tool

Jan 17, 2020

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Editor’s note: This is a recurring post, regularly updated with new information.

Although the sign-up offers that credit card issuers display to the general public are usually the best deals available at any given time, sometimes banks target specific consumers with even better options. These offers are subject to change at any time, but are worth checking for when you’re considering applying for a new credit card.

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

Another great way to look for higher sign-up bonuses is the CardMatch Tool from CreditCards.com (which, like TPG, is a Red Ventures company). The CardMatch Tool takes some simple personal information and then matches you with current credit card offers for which you might be eligible. These offers can be higher — sometimes even much higher — than those available through other public channels.

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Some examples of impressive CardMatch bonuses

For example, targeted offers can appear on CardMatch for The Platinum Card® from American Express that offer up to 100,000 bonus points when you make $5,000 in purchases in your first three months.

Offer retrieved Jan. 13, 2020. (See rates and fees)

Those 100,000 Amex Membership Rewards points are worth $2,000, based on TPG’s most recent valuations. Compare that to the current public offer on the card of 60,000 points when you spend the same $5,000 in the first three months. That’s a 40,000-point difference — or $800 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 reading: Maximizing benefits with the Amex Platinum Card

Using the CardMatch Tool, we’ve also recently seen a 50,000-point welcome offer for the American Express® Gold Card after you spend $4,000 in the first three months. The publicly available offer for the Amex Gold is currently 35,000 points after you spend $4,000 on purchases in the first three months.

Offer retrieved Jan. 13, 2020
Offer retrieved Jan. 13, 2020. (See rates and fees)

And, we’ve also recently noticed elevated 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 have been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

Related reading: Choosing the best American Express credit card for you

If you want to see if you’re eligible for any increased bonus offers, take a look at the next section.

How to use the CardMatch Tool

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

As you can see, CardMatch works with the following credit card issuers:

You’ll need to enter some personal information, including your first and last name, home address and the last four digits of your social security number. If you don’t want to be contacted by CardMatch in the future, don’t check the box or enter an email at the bottom of the form, since these two elements are optional.

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 reading: 5 ways to improve your credit score

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

Then, in less than a minute, the credit card offers available to you should show up. You can filter them by several choices, including issuer and card features:

My offers, as retrieved on Jan. 13, 2020.

Unfortunately, I didn’t get an offer for The Platinum Card from American Express, the American Express Gold Card or the American Express Green Card on my most recent visit to the CardMatch Tool. But I did get offers for the Chase Sapphire Preferred, Chase Freedom Unlimited, Capital One® QuicksilverOne® Cash Rewards Credit Card and the Capital One® Platinum Credit Card. The Chase cards all featured offers that matched the currently available best offers; the Capital One cards don’t currently offer welcome bonuses.

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.

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

Should you apply?

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 bonus and whether you can hit the 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.

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

Featured photo by Eric Helgas/The Points Guy.

The Platinum Card® from American Express

WELCOME OFFER: 60,000 Points Terms Apply.

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: Delta Sky Club and Centurion lounge access, $200 annual airline fee credit and up to $200 in Uber credits annually

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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.