Whether you are a credit card fanatic or are looking to sign up for your first card, you’ll want to know about CardMatch. Banks are constantly issuing new types of cards and one-time bonuses, and they use CardMatch to target attractive prospects with sweeter bonuses than they offer publicly. The best part? It’s takes less than 60 seconds to identify if you’ve been targeted with an extra special offer.
What is CardMatch?
CardMatch acts as a dashboard for banks (i.e. American Express, Bank of America, JP Morgan Chase) to present you with personalized, higher credit card offers that you are eligible for. The banks use criteria including your credit score, credit utilization, and more to identify you as a desirable customer.
Is CardMatch Safe?
One of the most common responses when people first hear about this tool: is CardMatch legit? It’s a fair question.
The short answer is yes.
CardMatch is offered through CreditCards.com, a large and reputable credit card comparison site. The site is owned by Bankrate, an international public company that is a trusted source for financial rates and information. The company’s data is frequently referenced on news sources like CNBC, Fox, and CNN.
Another rumor that floats around is that CardMatch will lower your credit score. Using CardMatch only triggers a “soft credit check”, meaning that it doesn’t affect your score in any way. Soft credit checks are also triggered by many other aspects of your financial life that you may not realize, including employer background checks, checking your own credit score, and checking account bonuses.
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How to Use CardMatch
When you go onto CardMatch.com, you’ll be first asked to provide some basic personal information, as pictured below.
Once you agree to the terms, you are then instantly led to a page with your credit offers from some of the premier banks in the world, including:
- American Express
- Chase
- Bank of America
- Capital One
Another great aspect of the CardMatch tool is that you can filter for the perks that matter most to you, including:
- Pre-Qualified
- CardMatch Special Offers
- Balance Transfer
- Cash Back
- Low Interest
- No Annual Fee
- No Foreign Exchange Fee
- Rewards
- Travel / Airline
Below is an example of the kind of information you will be provided. At the top of the list are the credit cards that you already pre-qualify for, indicated by the blue ribbon on the top of each card. There is also a list of the most important benefits of the card, and a button for you to apply right away. It really does not get any simpler and easier!
From our test run, here are the cards that we received offers for:
- American Express® Gold Card
- Blue Cash Preferred® Card from American Express
- The Platinum Card® from American Express
- Alaska Airlines Visa Signature® credit card
- BankAmericard® credit card
- Bank of America® Cash Rewards credit card
- Bank of America® Travel Rewards credit card
- Capital One® Venture® Rewards Credit Card
- Capital One® SavorOne℠ Cash Rewards Credit Card
- Capital One® Quicksilver® Cash Rewards Credit Card
- Capital One® VentureOne® Rewards Credit Card
- Capital One® Savor® Cash Rewards Credit Card
- Capital One® Platinum Credit Card
- Chase Sapphire Preferred® Card
- Chase Freedom Unlimited®
- Chase Freedom®
The best part? Each card that offers welcome points offered us more than the highest available public offer.
Final Thoughts
CardMatch is a great tool to find the best credit card offers available to you. Looking to get into the travel rewards game, or step your game up to the next level? Use CardMatch and receive additional welcome bonuses - just for being you!
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