Many of the credit card offers that appear on this site are from credit card issuers from which MillionMileSecrets.com receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. MillionMileSecrets.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Step-by-step guide to finding increased credit card offers with CardMatch

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.

Step-by-step guide to finding increased credit card offers with CardMatch

Joseph HostetlerStep-by-step guide to finding increased credit card offers with CardMatchMillion Mile Secrets Team

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.

CardMatch is a partner of Red Ventures, parent company of MMS.

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.

Bigger bonuses mean more free travel. (Photo by Nido Huebl/Shutterstock)

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

You can navigate directly to the CardMatch tool with this link.

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.

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.

Bottom line

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.

What’s the best offer you’ve received through the CardMatch tool? Let us know in the comments. And subscribe to our newsletter for more secrets to getting big credit card welcome bonuses.

For rates and fees of the Amex Platinum, click here

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

7comments

by Newest
by Best by Newest by Oldest

Always get the same offers that are available to the public

I’ve had the Chase Sapphire Reserve for quite awhile and CardMatch STILL suggests I’m qualified for the Sapphire Preferred… which, of course, I’m not. I’m less than impressed with the CardMatch tool.

You May Also Like

The ultimate packing list for your camping trip
The ultimate packing list for your camping trip
Global Entry for kids
Global Entry for kids