Check to see if you’re targeted for 150k or 125k Amex Platinum offer, 75k Amex Gold offer via CardMatch
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.
Editor’s note: This post has been updated to reflect the most recent CardMatch offers.
Check the CardMatch Tool to see if you’re targeted for an up to 150k-point Platinum Card® from American Express or 75k-point American Express® Gold Card offer. These offers are subject to change at any time.
While there are some truly excellent and best-ever 100,000-points and up credit card bonuses available right now, sometimes the truly best offers are reserved for targeted lucky individuals. One of the best places to look for these increased targeted offers is by using the CardMatch Tool.
Want more credit card news and advice from TPG? Sign up for our daily newsletter
Top CardMatch offers
If you haven’t visited the CardMatch site recently, now’s an excellent time to check your CardMatch offers. There are great offers available on two of Amex’s top cards, including American Express® Gold Card and perennial favorite, The Platinum Card® from American Express.
Amex Platinum 150,000 or 125,000-point offers
This offer that we’re seeing for lucky targeted individuals within CardMatch requires $6,000 spending within the first six months of account opening to earn the massive 150,000-point welcome bonus. Alternatively, you may be targeted for a still-great 125k offer.
But on top of the 125k-150k point welcome bonus, these offers also come with 10 points per dollar spent at restaurants worldwide and when you Shop Small® in the U.S., on up to $25,000 in combined eligible purchases, during your first six months of card membership.
That officially makes this the best card for dining if you can get in on that offer as by TPG valuations, earning 10 Membership Rewards points per dollar is the same as getting a 20% return on your restaurant spend.
Amex Gold 75,000 point offer
There’s also a targeted welcome offer — 75,000 points — after spending $4,000 on eligible purchases in the first six months of account opening on the American Express® Gold Card available for some through the CardMatch Tool ($250 annual fee, see rates and fees). If you’re targeted for this offer, you’ll have the option of the traditional Gold option or the swanky Rose Gold option.
Both of these offers are better than the publicly available offer on these cards:
- The Amex Platinum Card‘s new offer is 100,000 Membership Rewards Points after you spend $6,000 on purchases in your first six months of card membership. That means you can get an additional 25,000-50,000 bonus points for the same spending requirements if you’re targeted for one of the CardMatch offers.
- Meanwhile, the public offer on the Amex Gold Card is 60,000 bonus points for making $4,000 in purchases in the first six months of account opening. So, you’ll get 15,000 extra bonus points if you’re targeted for the CardMatch welcome offer.
Note that all offers are subject to change at any time.
Also, note that American Express welcome offers 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 offer for the same card many years after closing the account, this “once-per-lifetime” welcome offer 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 pretty 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:
- Go to the CardMatch tool.
- Enter your first name, last name, home address, last four digits of your social security number, and your email address.
- Click “Get Matches.”
- Check the box to accept the terms & conditions and click “Submit.”
- 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.
Other ways to get targeted offers
No one knows the exact criteria that banks, airlines and hotels use to target certain accounts for elevated offers, but many people may not realize their accounts are eligible.
You’ll want to make sure to go into your account settings for all of your cards and loyalty programs and opt in to marketing communications and emails, as this is often how targeted offers are distributed.
Opting in is just the first step though. While no one likes wasting time reading through junk mail, it’s important to at least skim emails or snail mail sent from banks, airlines and hotels to see if they contain any elevated offers. Some targeted offers require you to apply with a unique invitation code or at a unique link, and if you throw away the letter containing that code you might never be able to get it again.
Is the American Express Platinum Card worth it?
The Amex Platinum’s 150,000- or 125,000-point welcome bonus through CardMatch (along with the 10 points per dollar on eligible dining purchases) is spectacular. Based on TPG’s current valuation of 2 cents per Membership Rewards point, the 150,000-point welcome bonus alone is worth $3,000. 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 offer, the Platinum Card is one of the best cards available for frequent travelers.
On the spending side, you’ll earn 5 points on airfare purchased directly through the airline or through American Express Travel (on up to $500,000 on these purchases per calendar year). As well as 5 points per dollar earnings on prepaid hotels booked with American Express Travel.
The card also rewards frequent Uber users with up to $200 per calendar year in Uber credits (only in the U.S.), you’ll get up to $200 in statement credits for airline fees on your selected airline, up to $100 in statement credits for Saks purchases each calendar year (up to $50 on a semi-annual basis) and a sleuth of newly added benefits. The card has a $695 annual fee but it can be well worth it if you utilize these perks to their full extent. Terms apply. Enrollment required for select benefits.
And then there are the lounges. Cardmembers are granted access to the growing network of incredible Centurion Lounges — seven of which we pitted against each other in a battle royale.
Platinum 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. Note that beginning in February 2023, there will be new limits and fees regarding guests in the Centurion Lounges. Enrollment required.
Is the American Express Gold Card worth it?
The Amex Gold’s 75,000-point welcome bonus through CardMatch are also solid bonuses compared to the standard offer. Based on TPG’s current valuation of 2 cents per Membership Rewards point, you’ll about $1,500 in value.
With a lower annual fee and more varied bonus categories, the Amex Gold is a bit more versatile than the Amex Platinum for ongoing everyday spending once you get past the 10 points per dollar bonus categories in the first six months with the current Amex Platinum offer.
With the Gold, you’ll earn 4 points per dollar on spending at on U.S. supermarkets (up to $25,000 spent in purchases per calendar year; then 1 point per dollar) and on dining at restaurants, plus 3 points per dollar on flights booked directly with the airline or through American Express Travel.
You’re also getting a solid line-up of perks, including up to $120 in dining credits (broken down into an up to $10 monthly statement credit for eligible dining partners), $10 per month in Uber Cash credit (up to $120 Uber Cash annually) that you can use for U.S. Uber rides and Uber Eats orders, baggage insurance and access to the Amex Hotel Collection benefits. Just make sure you add the card to your Uber app to receive the Uber Cash benefit. Enrollment required for select benefits.
The card does come with a $250 annual fee, but that is easily offset when you take full advantage of the card’s built-in perks. Terms apply.
Other 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 (after meeting the same minimum spend requirements, so you’ll get another $50 if you are targeted for a special welcome offer through the CardMatch Tool.
In addition to the offers mentioned above, we’ve seen an elevated 45,000 point bonus offer (after meeting minimum spend requirements) available on the American Express® Green Card through CardMatch from time to time, so make sure to keep your eyes peeled for that as well. The public offer for the Amex Green is currently 30,000 bonus points after spending $2,000 in purchases in the first three months of account opening.
The information for the Amex Green Card and Amex Cash Magnet 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.
Other ways to find good welcome offers
Targeted offers can be a great way to get extra bonus points on a card you already planned to apply for, but they aren’t the only way to find a good deal. Often times banks will offer limited-time elevated bonuses that are publicly available to anyone who wants to apply for them, so make sure to sign up for the TPG newsletter to stay on top of any deals like this.
You can also always check out our top cards page to see the best credit card offers that are currently available, or if you’re looking to plug a specific hole in your points and miles strategy you may want to consider the following:
- Best credit cards for travel
- Best credit cards for dining
- Best credit cards for groceries
- Best credit cards for everyday spending
Be sure to check the tool today to see what offers are available for you.
Featured image by John Gribben/The Points Guy.
Additional reporting by Madison Blancaflor and Summer Hull.
Welcome to The Points Guy!