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

Apr 3, 2021

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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 bonus, 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 pre-selected. Others, like 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.

In This Post

What is CardMatch?

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 much higher — than those available through other public channels.

For example, right now The Platinum Card® from American Express has a public welcome bonus of 75,000 bonus American Express points after you spend $5,000 on purchases on the card in the first six months. However, via CardMatch that bonus offer goes as high as 125,000 bonus points. Since TPG values Membership Rewards points at 2 cents each, that welcome offer is worth $1,000 more than the public one. This offer is subject to change at any time.

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.

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

Related: How to find the best pre-qualified credit card offers

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 you build up credit history and improve your 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 in a different way. You can often find targeted special offers for certain credit cards that give you better welcome bonus opportunities than the publicly available offers. Everyone wants the best welcome bonus possible and that is especially important for American Express credit cards because you only have one opportunity to earn a welcome bonus 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 the CardMatch Tool

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.

(Screenshot courtesy of CardMatch.)

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 next time 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 125,000 points when opening up a new Amex Platinum account and meeting the prescribed spending requirements.

(Screenshot courtesy of CardMatch. Offer retrieved on March 31, 2021) (See rates and fees)

Those 125,000 Amex Membership Rewards points are worth $2,500, based on TPG’s most recent valuations.

Compare that to the current public offer on the card of 75,000 points when you spend the same $5,000 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 three 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.

(Screenshot courtesy of CardMatch. Offer retrieved on March 31, 2021) (See rates and fees.)

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 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: 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 impact 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 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 bonus and whether you can complete minimum spending requirements without harming your finances. Just because a card offer is listed on the CardMatch Tool, that 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 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 photo by Isabelle Raphael/The Points Guy. 

The Platinum Card® from American Express

WELCOME OFFER: 75,000 Points Terms Apply.


CARD HIGHLIGHTS: Delta Sky Club and Centurion lounge access, up to $200 annual airline fee credit and up to $200 in Uber savings annually (only for use in the U.S.)  (Enrollment required for select benefits)

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

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More Things to Know
  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
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  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
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  • $550 annual fee.
  • Terms Apply.
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