See if you’re targeted for 125k or 100k Amex Platinum offer, 75k Amex Gold offer via CardMatch

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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 125k-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 excellent 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 the CardMatch Tool.

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Top CardMatch offers

If you haven’t visited the CardMatch site recently, now’s an excellent time to check your CardMatch offers. There are two great offers available on two of Amex’s top credit cards … including the just-returned Rose Gold Amex.

Amex Platinum 125,000 or 100,000-point offers

The first of these offers is the incredible 125,000-point offer on The Platinum Card® from American Express ($550 annual fee, see rates and fees). Based on TPG point valuations, 125,000 bonus Amex Membership Rewards points are worth a staggering $2,500! The particular offer that we’re seeing for lucky targeted folks requires $5,000 spending within the first six months of account opening to earn the massive 125,000-point welcome bonus:

(Offer seen by a TPG reader on Feb. 21, 2021, via CardMatch)

Alternatively, you may be targeted for a still-great 100k offer:

(Offer seen by TPG staff on Feb. 4, 2021, via CardMatch)

But on top of the 100k-125k welcome bonus, these offers also come with 10x points per dollar spent at U.S. supermarkets and U.S. gas stations for the first six months — on up to $15,000 spent on eligible combined purchases. That officially makes this the best card for groceries if you can get in on that offer!

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 through the CardMatch Tool ($250 annual fee, see rates and fees). With this one, if you’re targeted, you’ll have the option of the traditional Gold option or the swanky Rose Gold option.

(Offer seen on Feb. 5, screenshot courtesy of CardMatch – see rates and fees)

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

  • The Amex Platinum Card is publicly offering 75,000 Membership Rewards Points after you spend $5,000 on purchases in your first 6 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 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 tool.
  2. Enter your first name, last name, home address, last four digits of your social security number, and your email address.
  3. Click “Get Matches.”
  4. Check the box to accept the terms & conditions and click “Submit.”
  5. 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.

Related: How to check your credit score absolutely free

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 credit 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?

(Photo by Isabelle Raphael / The Points Guy)
(Photo by Isabelle Raphael / The Points Guy)

The Amex Platinum’s 125,000 or 100,000-point welcome bonus through CardMatch (along with the 10x on eligible grocery and gas purchases) is spectacular. Based on TPG’s current valuation of 2 cents per Membership Rewards point, the 100,000 point 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 offer, 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 (on up to $500,000 on these purchases per calendar year). As well as 5x earnings on prepaid hotels booked through Amex 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 and up to $100 in credits for Saks purchases each calendar year. The card has a $550 annual fee (see rates and fees) but it can be well worth it if you utilize these perks to their full extent. Terms apply.

And then there are the lounges. Cardmembers are granted access to the growing network of incredible Centurion Loungesseven of which we pitted against each other in a battle royale. More Centurion Lounges are coming soon to New York’s Kennedy (JFK) and London (LHR).

The beautiful all-new Centurion Lounge in Denver just recently opened.

American Express Centurion Lounge in Denver
(Photo by Zach Griff/The Points Guy)

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.

Related: Guide to lounge access with the Amex Platinum

Is the American Express Gold Card worth it?

(Photo by John Gribben for The Points Guy)

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 10x bonus categories in the first six months with the current Amex Platinum offer.

With the Gold, you’ll earn 4x on U.S. supermarkets (up to $25,000 spent in purchases per calendar year; 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 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.

The card does come with a $250 annual fee (see rates and fees), but that is easily offset when you take full advantage of the card’s built-in perks. Terms apply.

Related: Maximizing the American Express Gold Card

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 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:

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.

Featured image by John Gribben/The Points Guy.

Additional reporting by Madison Blancaflor and Summer Hull.

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.