This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.
- 1 Best Reason For Using CardMatch
- 2 Some Offers I’ve Received Through CardMatch
- 3 Things To Know Before Using CardMatch…
For anyone who has yet to hear about CardMatch (creditcards.com/cardmatch/), it’s basically a credit card search tool that matches your credit profile with offers you’re more likely to get approved for.
CardMatch is a tool offered through the CreditCards.com domain. If you haven’t yet stumbled upon CreditCards.com, it is a huge credit card comparison site, with subdomains in Australia, United Kingdom and Canada.
CreditCards.com is owned by Bankrate. Bankrate (NYSE: RATE) is a massive network that’s a trusted source for financial rates and information, and their data is frequently referenced on CNN, CNBC, Fox Business News, etc.
A common misconception is that using CardMatch can ruin your credit. On the contrary, entering in your personal information to use this service only causes a “Soft Pull” on your credit. Soft Pulls do not affect your credit score in any way, and they are commonly done without your knowledge in other aspects of your financial life. Checking account bonuses, employer background checks, and even when you check your own credit score, all usually involve a “Soft Pull”.
The “Hard Pull“, which DOES affect your credit score, will happen when you actually APPLY for one of the credit cards (the same as applying for credit cards anywhere else).
Best Reason For Using CardMatch
Regardless of whether or not you’re in a hurry to obtain a new credit card, the main reason CardMatch is unique is that sometimes you’ll get matched up with card offers that aren’t available elsewhere. Usually this is in the form of higher sign-up bonuses compared with regular public offers. Because it doesn’t affect your credit score in any way, it’s best to check often for any new offers.
Not everyone will see the same offers; it’s all dependent on your personal credit profile, and whether the issuer happens to have an available offer at that given time.
Some Offers I’ve Received Through CardMatch
- Offers may not be available to all users
- Date I received these offers: 9/25/2022
Citi Premier Card 80,000 Bonus ThankYou Points Offer
Citi Double Cash Card $200 Cash Back Offer
Wells Fargo Active Cash Card $200 Cash Rewards Bonus
Citi Custom Cash Card $200 Cash Back Offer
Things To Know Before Using CardMatch…
What offers will you see? It all depends on the Soft Pull of your credit that determines what offers will show up for you. Even if you have a favored FICO score of at least 700, you may still not get matched with the more favored offers.
Your chances of seeing good offers from issuers like American Express may also depend on your history with American Express. Because I’ve taken advantage of the Blue Cash Preferred offer in the past, I no longer personally see these better offers now (my score is over 800 now too). So if you’ve recently applied for an Amex card for a bonus elsewhere, you may not get all the best matches on CardMatch.
It doesn’t affect your credit, so there’s no harm in looking:
Step 1: Go directly to the CardMatch page.
Step 2: Enter in your First Name, Last Name, Current Address, and the Last 4 Digits of your SSN.
Step 3: View your matched offers.
Top Offers You May Like
- Bank Of America $100 Bonus Offer
- Chase Business Complete Banking℠ $300 Bonus
- Chase Total Checking® $200 Bonus
- U.S. Bank Checking $300 Bonus
- BMO Harris $200/$350 Bonus
- TD Beyond Checking $300 Bonus
- HSBC Premier Checking $500 Bonus
- J.P. Morgan Self-Directed Investing $625 Cash
- Axos $150/$200 Bonuses