Step-by-step guide to finding increased credit card offers with CardMatch
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Earning credit card welcome bonuses is the best way to quickly unlock free travel. There are plenty of travel cards with huge bonuses 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. Some customers are even finding themselves with an opportunity to earn 100,000+ Amex Membership Rewards points with The Platinum Card® from American Express. That’s 40,000 points more than the highest publicly available offer!
I’ll show you how to find targeted credit card offers with the CardMatch tool.
How to use the 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 people for increased offers.
CardMatch is a tool 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!
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 four digits of your social security number. Again, using this tool won’t result in a hard pull to your credit. It’s just a soft pull, and completely harmless.
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 issuer card features.
Offers last pulled on May 9, 2020
You’ll find the increased welcome bonuses under the “CardMatch Special Offers” filter. If you don’t see this option, CardMatch simply didn’t find any targeted offers for you. I’m not currently targeted for anything.
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 doesn’t affect your credit score. 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 won’t 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.
You can also try registering a new domain name with your information. I’ve received targeted credit card offers for a small business I used to have, addressed to his domain name.
Also, some banks like Amex and Barclays 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 three 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.
Many times we’ve seen targeted 100,000 point Amex Platinum offer through CardMatch. And through the Amex website, customers are being targeted for up to 125,000 points after spending $5,000 within the first three months of account opening (see rates and fees)! That’s more than double the current public offer.
With 100,000 Amex Membership Rewards points, you could transfer those points to book round-trip flights to Hawaii from anywhere on the mainland U.S. on United Airlines using only 35,000 Singapore Airlines miles each (a 1:1 Amex transfer partner).
If you want to go someplace more exotic, you can transfer 50,000 Amex points to ANA for a round-trip coach ticket between the U.S. and Japan during the regular season and only 40,000 points during the low season.
Note: You’ll pay an excise fee of 0.06 cents per point, to a maximum of $99, when you transfer American Express Membership Rewards points to U.S. airlines, like Delta or JetBlue.
Credit card issuers are tightening their credit card application rules all the time. 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 in no way affect your credit score, so you can check often for new targeted offers. There are other ways you can increase your chances of earning an increased welcome bonus, too.
For rates and fees of the Amex Platinum, click here
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Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
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Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Either $5 or 5% of the amount of each transfer, whichever is greater.
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