Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.
Earning credit card welcome bonuses is the best way to get Big Travel with Small Money. There are plenty of valuable offers right now that will help you achieve your travel goals.
But did you know that you may be eligible to earn an even higher bonus than what’s advertised?
An easy way to see if you’re targeted for a higher offer is with the CardMatch tool. It’s extremely easy to use, and takes just a few seconds.
I’ll show you how to find targeted credit card offers with the CardMatch tool!
How to Use the CardMatch Tool
Link: CardMatch Tool
As credit card issuers continue to tighten their restrictions on earning welcome bonuses, it’s more important than ever to make sure you’re getting the highest possible offer!
Some banks (especially American Express) like to target certain folks for increased offers. CardMatch is a tool from CreditCards.com that helps you identify these special bonuses the banks may be extending to you. It’s quick and easy, and the tool will NOT hard pull your credit!
I recently told you about the targeted 100,000 point bonus with The Platinum Card® from American Express. That’s 40,000 points higher than publicly available offer, and more than enough for 3 one-way flights between New York and Vancouver if you transfer your points to Delta! The CardMatch tool will help you see if you’re one of the lucky eligible folks!
I’ll show you how it works.
Step 1. Head to the CardMatch Tool
Step 2. Enter Your Personal Information
The tool will ask you to enter personal information, like your name, current address, and last 4 digits of your social security number. Again, using this tool will NOT result in a hard pull to your credit. It’s just a soft pull, and completely harmless.
You also have the option to enter your email address, to have future offers sent to you.
Step 3. Agree to the Terms & Conditions
Before you submit your information, you’ll need to check a box agreeing to the terms. The notification at the bottom lets you know you are in no way applying for credit cards.
Step 4. Locate Your Offers
In seconds, the tool will give you results of credit card offers for you. To the left of the page, you’ll be able to filter your results by Bank or Card Features. And some will see a Categories tab, which will have filters like “Pre-Qualified” and “CardMatch Special Offers“.
You’ll find the increased welcome bonuses under the “CardMatch Special Offers” filter. If you don’t see this option, CardMatch did NOT find any targeted offers for you.
You can also sift through your pre-qualified offers, to see if there’s anything you’re interested in. These are cards that banks determine are a good fit for you based on a soft credit pull. It does NOT mean you’re guaranteed to be approved, though.
Not Targeted for Any Offers?
It’s okay if you don’t qualify for any improved bonuses right now! The banks use lots of factors to determine who they’re going to target. And we don’t know exactly what they are!
Fortunately, the CardMatch tool is free, and using it does NOT affect your credit score. So you can check it often to see if there’s anything special down the road.
There are other ways to receive targeted offers that you will NOT find on the CardMatch tool. For example, you can try visiting your bank’s local branch to see if they have any special offers for you.
Last year, we saw a targeted 100,000 point offer for the Ink Business Preferred that you could only find in-branch. That was 20,000 Chase Ultimate Rewards points higher than the public offer, and worth at least $250 more in travel! It definitely pays to check.
You can also try registering a new domain name with your information. Million Mile Secrets team member Joseph has received targeted credit card offers addressed to his domain name.
And some banks like AMEX and Barclaycard give you the opportunity to opt-in for receiving new credit card offers in your account’s preferences.
You can also opt-in at OptOutPrescreen. This will allow the 3 credit bureaus to provide your information to credit card and insurance companies.
These methods may result in lots of junk mail, so decide for yourself if the possibility of an increased bonus is worth it! Check out this post for more ideas.
Credit card issuers are tightening their credit card application rules all the time! So it’s very important to make sure you’re getting the biggest bonus available to you. That’s particularly true with American Express cards, because you can only receive the welcome bonus ONCE per lifetime on each card!
An easy way to do this is with the CardMatch tool. Just enter a few pieces of personal information, and the tool will perform a soft pull on your credit to see if any banks are offering you special bonuses.
Using the tool will NOT affect your credit score, so you can check often for new targeted offers. And there are other ways you can increase your chances of earning an increased welcome bonus, too!
What’s the best offer you’ve received through the CardMatch tool?