Amex Platinum 100k, Amex Gold 50k offers available via CardMatch

Jan 28, 2020

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Editor’s note: This post has been updated to reflect recent CardMatch offers.

Check the CardMatch Tool to see if you’re targeted for a 100,000-point Platinum Card or 50,000-point Gold Card offer. These offers are subject to change at any time.

While there are some excellent credit card bonuses available right now, sometimes there are targeted credit card welcome bonus offers that are even higher than what’s available to the public on the same card. One of the best places to look for these offers is the CardMatch Tool.

If you haven’t visited recently, now’s an excellent time to check your CardMatch offers, because there are two great offers available on two of Amex’s top credit cards. The first of these is the return of the incredible 100,000-point offer on The Platinum Card® from American Express ($550 annual fee, see rates & fees). The particular offer that we’re seeing for lucky targeted folks requires $5,000 spending within the first three months of account opening to earn the 100,000-point welcome bonus:

Offer pulled 1/27/20 (see rates & fees)
Offer pulled 1/27/20

There’s also a targeted 50,000-point welcome bonus offer for spending $4,000 in purchases in the first three months on the American Express® Gold Card through the CardMatch Tool ($250 annual fee, see rates & fees).

Offer pulled 1/27/20 (see rates & fees)
Offer pulled 1/27/20

Both of these offers are better than the publicly available offer on these cards:

  • The Amex Platinum Card is currently offering a 60,000-point welcome bonus for spending $5,000 on purchases in the first three months. That means you can get an additional 40,000 bonus points for the same spending if you’re targeted for the CardMatch offer.
  • Meanwhile, the public offer on the Amex Gold Card is 35,000 bonus points for making $4,000 of purchases in the first three months. So, you’ll get a solid 15,000 extra bonus points if you’re targeted for the CardMatch welcome offer.

Note that American Express welcome bonuses are “not available to applicants who have or have had this product,” and that limitation is found on CardMatch offers as well. While there are some reports of being able to get a welcome bonus for the same card many years after closing the account, this “once per lifetime” welcome bonus limitation is an important restriction to keep in mind.

And, be sure to check your offer closely. Some potential cardholders have reported seeing different offers through the CardMatch Tool than those reported here.

How to use CardMatch

CardMatch is straightforward to use, but those who haven’t used the tool before might be curious about the process. Here are the easy steps to check your offers:

  1. Go to the CardMatch homepage.
  2. Enter your first name, last name, home address and last four digits of your social security number.
  3. If you want to be contacted by CardMatch, enter your email address. Otherwise, uncheck the contact box.
  4. Click “Get Matches.”
  5. Check the box to accept the terms & conditions and click “Submit.”
  6. After a 60-second or less search, your preapproved offers will appear.

Note that this process creates a “soft” credit inquiry on your credit report. This means that the inquiry will show up on your credit report, but it’ll have no impact on your credit score — similar to if you checked your own credit report through a free annual check or a paid service.

Is the American Express Platinum Card worth it?


The Platinum Card from American Express is the king of the premium travel rewards cards when it comes to luxury perks. You’ll earn Amex’s valuable Membership Rewards, receive up to $500 in annual credits, have access to an extensive network of airport lounges worldwide and more. The card comes with a high annual fee, but it’s more than worth it for those who take advantage of its full range of benefits. Card Rating*: ⭐⭐⭐⭐½

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The Amex Platinum’s 100,000-point welcome bonus through CardMatch is spectacular. Based on TPG’s current valuation of 2 cents per Membership Rewards point, the welcome bonus alone is worth $2,000. Once you learn to maximize the value of your Membership Rewards points, you can potentially get even more value than that.

Even without the sky-high welcome bonus, the Platinum Card is one of the best cards available for frequent travelers. On the spending side, you’ll earn 5x points on airfare purchased directly through the airline or through American Express Travel, as well as 5x earnings on prepaid hotels booked through Amex Travel. The card also rewards frequent Uber users with up to $200 per year in Uber credits, you’ll get up to $200 in statement credits for airline fees on your selected airline and up to $100 in credits for Saks purchases each year. The card has a $550 annual fee (see rates & fees) but it can be well worth it if you utilize these perks to their full extent.

And then there are the lounges. Cardmembers are granted access to ten incredible Centurion Loungesseven of which we pitted against each other in a battle royale. Five more Centurion Lounges are coming soon to New York’s Kennedy (JFK), Charlotte (CLT), Denver (DEN)Los Angeles (LAX) and London (LHR).. Cardholders also get access to more than 1,200 lounges through a Priority Pass membership and access to Delta Sky Clubs when traveling with Delta.

Related: Guide to lounge access with the Amex Platinum

Is the American Express Gold Card worth it?


The American Express® Gold Card wants a seat at your table, whether you’re dining out or buying groceries. With 4 points per dollar spent at restaurants worldwide and U.S. supermarkets (up to $25,000 a year), along with airline and dining credits that almost entirely cover its annual fee, Gold is looking better than ever. Card Rating*: ⭐⭐⭐⭐

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The Amex Gold’s 50,000-point welcome bonus through CardMatch is also a solid bonus compared to the standard offer. Based on TPG’s current valuation of 2 cents per Membership Rewards point, you’ll get $1,000 in value.

With a lower annual fee and more varied bonus categories, the Amex Gold is a bit more versatile than the Amex Platinum. You’ll earn 4x on U.S. supermarkets (up to $25,000 spent annually; then 1x) and on worldwide dining, plus 3x on flights booked directly with the airline or through amextravel.com. You’re also getting a solid line-up of perks, including up to $120 in dining credits (broken down into a $10 monthly statement credit for eligible dining partners), a $100 airline fee credit, baggage insurance and access to the Amex Hotel Collection benefits. The card does come with a $250 annual fee (see rates and fees), but that is easily offset when you take advantage of the card’s perks.

Related: Maximizing the American Express Gold Card

Even more CardMatch offers

You may also be able to score a $200 statement credit on the American Express Cash Magnet™ Card for spending $1,000 on purchases in the first three months through the CardMatch Tool. The current publicly available offer for the American Express Cash Magnet™ Card is $150 statement credit, so you’ll get another $50 if you are targeted for a special welcome offer through the CardMatch Tool.

Offer retrieved on December 21, 2019. See rates & fees.

Similarly, you might be targeted through the CardMatch Tool to get a $200 statement credit on the Blue Cash Everyday® Card from American Express for spending $1,000 on purchases in the first three months. The current publicly available offer for the Blue Cash Everyday® Card from American Express is also a $150 statement credit, meaning you’ll get $50 more for through the CardMatch Tool. We’ve also seen some targeted for a $300 statement credit on the Blue Cash Preferred® Card from American Express for spending $1,000 on purchases in the first three months, compared to the current $250 offer.

Be sure to check the tool today to see what offers are available for you.

For rates & fees of the Amex Platinum, click here.
For rates & fees on the Amex Gold Card, click here.
For rates & fees of the Amex Cash Magnet, click here.
For rates & fees of the Amex Blue Cash Everyday, click here.
For rates & fees of the Blue Cash Preferred card, please click here.

Featured image by Isabelle Raphael/The Points Guy.

Additional reporting by Madison Blancaflor.

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.