The world of credit cards and points and miles can be confusing. Add in everything that goes into applying for and being approved for a credit card, and it can be downright overwhelming. That’s where the CardMatch tool comes into play.
This tool is an easy way to figure out what credit cards you can be approved for based on your personal information. There is no hard credit pull (which can affect your credit score) to see which cards you are prequalified for.
But perhaps the best part is that you may get bigger, exclusive bonus offers only available via CardMatch. That’s what’s behind amazing offers like the 100,000-point bonus on the Platinum Card from American Express.
So let’s break down what the CardMatch tool is, how and why you should use it, and dive into even more of the exclusive offers available through CardMatch.
What is CardMatch?
CardMatch is a tool from creditcards.com, and it works like this:
Users enter some basic personal information, which CardMatch uses to match them with current credit card offers for which they have a high likelihood of being approved. And in some cases, these offers can be higher than what consumers would be able to find through other public channels.
Enter your information like your name, address, email address, and the last four digits of your social security number, and the CardMatch tool will perform a soft credit pull on your credit report to pull up available offers.
Soft credit inquiries do not impact your credit score because they aren’t attached to a specific application for credit. It’s worth noting that if you have a freeze on your credit profile, a soft credit pull is not possible. So you’ll need to unfreeze your credit profile to use CardMatch.
Based on the information found during the soft credit pull, CardMatch will make recommendations for credit cards that you are more likely to be approved for. Note that this doesn’t guarantee you will be approved – it just improves your odds.
Exclusive Offers Available via CardMatch
With the Platinum Card from American Express, you can get matched with a welcome offer to earn 100,000 American Express Membership Rewards points after spending $5,000 in the first three months. That’s up significantly from the standard, widely available public offer of 60,000 points – with the exact same spending requirement.
With the American Express Gold Card, it is possible to get matched with a welcome offer to earn 50,000 American Express Membership Rewards points after spending $4,000 in the first three months of card membership. Once again, that’s up from the norm of 35,000 American Express Membership Rewards points after the same spending requirement.
There’s no guarantee you’ll get matched with these highly targeted offers, but you should absolutely check the CardMatch tool before applying for either card. There is no downside in doing so, and you may be targeted for an offer much higher than you can find publicly.
Check with CardMatch to see if you’re targeted for a 100,000-point offer on the Platinum Card from American Express or the 50,000-point offer on the American Express Gold Card. These offers are subject to change at any time.
How to Use the Tool
Using CardMatch is straightforward and simple. First, head to the CardMatch landing page. Once there, you should see a page that looks like the image below. Once you enter your name, address, the last four digits of your social security number and your email address, you can proceed by clicking “Get Matches.”
From there, you will see a screen laying out the terms and conditions that looks like this. By clicking that you agree, you are telling CardMatch that you are willing to share the personal information entered and allowing them to perform a soft credit pull.
Once you click Submit, you’ll come to a page with your matched offers. And if you don’t see the offers for either the Platinum Card from American Express or the American Express Gold Card, it means that you haven’t been targeted to receive those exclusive offers.
What Banks Issue Cards Through CardMatch?
At the time of publication, you will find card matches from American Express, Citi, and CreditOne bank available via the CardMatch tool.
Normally, you’d also find matched offers from Chase. But due to the COVID-19 pandemic, Chase has temporarily pulled out of the CardMatch program as they look to limit their exposure to new credit card applications. It isn’t yet clear when Chase card offers will be available via CardMatch again.
And creditcards.com has indicated that they are always looking for new partners for their CardMatch tool. So it may only be a matter of time before we see more banks available within the program.
CardMatch is a great way to find credit card offers that you might be prequalified for, giving you a higher chance of approval once you fill out an application. And you may find exclusive offers for both the Platinum Card from American Express and the American Express Gold Card.
You won’t find higher offers for either card anywhere else. And that makes CardMatch a must-check before applying for either card.