While applying for a new credit card is typically the fastest and easiest way to rack up a meaningful number of points and miles, sometimes the first welcome offer you see for a given card isn't always the best.
Before applying for a new credit card, it's wise to take a few minutes to ensure you're getting the best deal possible.
This is important because you can often only get card welcome bonuses once — or at least only once for several years. Sometimes, targeted offers are available to lucky individuals who can get a higher welcome offer than just by going with the publicly available link.
Targeted offers can be sent in the mail, via email, might be lurking in your online bank or loyalty account, can be sent to you by friends who make referrals or might sometimes even live in the CardMatch tool.
It's important to say upfront that we'll never know the full answer to how to get a better credit card welcome offer, as companies spend a lot of money developing proprietary methods for generating and targeting these offers.
Still, we've been around card offers enough to make a few educated guesses on how this works — and how to improve the chances you find and notice these offers.
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Let's start with a tool that is an obvious first stop when seeing if you have special offers available to you.
Using the CardMatch tool (offers subject to change at any time), you might be able to access elevated welcome offers on cards such as The Platinum Card® from American Express or the American Express® Gold Card.
In the past, we've seen CardMatch include an up to 125,000-point welcome offer for the Amex Platinum and up to 75,000 points on the Amex Gold after meeting minimum spend requirements.
The CardMatch website explains that a soft credit check will be performed after you input your information.
This means CardMatch accesses the information on your credit report, but this won't show up on your credit report or affect your score in any way. Of course, if you go ahead and actually apply for one of these cards, then that will show as a hard inquiry on your report.
CardMatch partners with several banks, including Chase, Amex and Capital One, and based on the information they obtain from your credit report, they use a proprietary algorithm specific to each card issuer to generate offers for you.
Anecdotally, we've seen some of the best CardMatch offers with American Express, specifically often available to those who don't have any other open accounts with that bank. Since offers can change regularly, it's worth checking back frequently until you find the best offer for you.
Related: How to use CardMatch to potentially get better offers
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