Score up to 175K points with the Amex Platinum and up to 90K points with the Amex Gold through these exclusive CardMatch offers.

While there are some fantastic credit card bonuses available now, the best offers are often reserved for targeted users. The CardMatch tool is one of the best ways to discover these elevated offers, which may include bonuses far beyond what’s publicly advertised.

Here are two amazing offers you won’t want to miss right now.

Exclusive CardMatch offers

If you haven’t checked your CardMatch offers in a while, now’s a great time to see what’s available. Fantastic deals are on offer for two of Amex’s most popular cards, including The Platinum Card® from American Express and the American Express® Gold Card.

Amex Platinum 175K point bonus

For the Platinum Card, you may be eligible for a pre-qualified offer of up to 175,000 points after spending $8,000 within the first six months. The card comes with an annual fee of $695 (see rates and fees).

According to TPG’s August 2024 valuations, the 175,000 American Express Membership Rewards points bonus is valued at an impressive $3,500.

If you qualify, this substantial bonus is worth claiming. The highest public offer for the card is 80,000 points after spending $8,000 within the first six months of account opening.

Amex Gold 90K point bonus

Some CardMatch users may see a targeted welcome offer for 90,000 points on the American Express Gold Card. This pre-qualified offer comes with a $325 annual fee (see rates and fees).

Targeted cardholders can earn 90,000 points after spending $6,000 in the first six months. According to TPG’s August 2024 valuations, these 90,000 Membership Rewards points are worth around $1,800. Others may be offered a 60,000-point prequalified bonus after spending $6,000, which aligns with the standard public offer for the Amex Gold Card.

CardMatch offers vs. public promotions

These CardMatch offers significantly outperform the publicly available ones for both Amex cards. Here’s a quick comparison:

• The Amex Platinum Card's public offer gives you 80,000 Membership Rewards points after spending $8,000 in the first six months. If you're targeted for the higher CardMatch offer, you could earn an extra 95,000 points.
• The Amex Gold Card's public offer provides 60,000 Membership Rewards points after spending $6,000 in the first six months. With the CardMatch offer, you may be eligible for up to an additional 30,000 points.

Remember, all offers are subject to change at any time, and not everyone will be selected for an elevated offer.

American Express welcome offers are not available to applicants who have previously held the same product, and this restriction also applies to CardMatch offers.

So, if you’ve had either of these cards before (including the Premier Rewards Gold Card, the earlier version of the Amex Gold), you may not be eligible for these CardMatch offers, even if you’re targeted.

While some reports suggest that it’s possible to receive a welcome offer for the same card years after closing the account, keep in mind the important restriction of the "once-per-lifetime" welcome offer.

Make sure to carefully review your offer. Some users have reported seeing different offers through the CardMatch tool than what’s listed here.

How to use CardMatch

CardMatch is easy to use, but if you're unfamiliar with it, here's a simple guide to check your offers:

• Visit the CardMatch tool.
• Enter your first name, last name, home address, the last four digits of your SSN, and your email address.
• Click 'Get matches.'
• Agree to the terms and conditions, then click 'Submit.'
• Within 60 seconds, your preapproved offers will appear.

Keep in mind that this process results in a "soft" credit inquiry, which will appear on your credit report but won’t affect your credit score. It’s similar to checking your credit through a free annual report or a paid service.

Other ways to get targeted offers

While the exact criteria banks, airlines, and hotels use to target customers for enhanced bonus offers are unclear, many people may not realize that they are eligible for these special deals.

Be sure to update your account settings for all of your cards and loyalty programs to opt in for marketing communications and emails, as this is often how targeted offers are delivered.

Opting in is just the first step. While no one enjoys sorting through junk mail, it’s still worth skimming through emails or physical mail from banks, airlines, and hotels to check for any special offers.

Some targeted offers require you to apply using a specific invitation code or link. If you discard the letter or delete the email containing that code, you might miss out on the same offer next time.

Is the American Express Platinum Card worth it?

The Amex Platinum’s 175,000-point welcome bonus through CardMatch — valued at $3,500 according to TPG’s August 2024 estimates — is an incredible offer.

Once you learn how to maximize the value of your Membership Rewards points, you could potentially get even more out of them.

Even without the massive welcome bonus, the Platinum Card is still one of the top cards for frequent travelers.

When it comes to spending, you'll earn 5 points per dollar on airfare purchased directly from airlines or via American Express Travel (on up to $500,000 in these purchases per year, then 1 point per dollar), as well as 5 points per dollar on prepaid hotel bookings made through American Express Travel.

The card also benefits regular Uber users with up to $200 in Uber credits each calendar year (U.S. only). Uber Cash will be credited to one Uber account when you link the Amex Platinum as a payment method and redeem with any Amex card.

Additionally, you'll receive up to $200 in statement credits for airline fees with your selected airline and another $200 in annual credits for prepaid hotel bookings made through Amex Travel at Amex Fine Hotels + Resorts and The Hotel Collection properties (the latter requires a minimum stay of two nights). Enrollment is required for certain benefits.

In fact, you can unlock over $1,500 in annual credits with this card.

Then, there are the airport lounges. Cardholders get access to the American Express Global Lounge Collection, which includes Amex’s premium Centurion Lounges, Priority Pass lounges, Airspace lounges, Escape lounges, and Delta Sky Clubs. (Starting Feb. 1, 2025, eligible Platinum Card members will receive 10 annual visits per Platinum Card to Delta Sky Clubs or Grab and Go lounges when flying on a same-day Delta-operated flight.)

The card has a $695 annual fee, but it can easily be worth the cost if you take full advantage of the perks. Enrollment is required for certain benefits.

Is the American Express Gold Card worth it?

The Amex Gold's 90,000-point welcome bonus through CardMatch is far superior to the public offer of 60,000 points, and it’s valued at approximately $1,800 based on TPG's August 2024 assessments.

With its lower annual fee and more diverse bonus categories, the Amex Gold is a more practical choice than the Amex Platinum for everyday purchases.

With the Gold Card, you'll earn 4 points per dollar at U.S. supermarkets (up to $25,000 annually, then 1 point per dollar) and on dining at restaurants (up to $50,000 annually, then 1 point per dollar), plus 3 points per dollar on flights booked directly with airlines or through Amex Travel. All other purchases earn 1 point per dollar.

The Gold Card also offers a great selection of benefits, including up to $120 in annual dining credits ($10 monthly for eligible partners), $10 per month in Uber Cash credit (up to $120 annually for U.S. Uber rides and Uber Eats), up to $100 in annual Resy credits ($50 every six months), up to $84 in annual Dunkin' credits ($7 monthly), and The Hotel Collection booking perks. Just add the Amex Gold as a payment method, and you can redeem with any Amex card. Enrollment is required for certain benefits.

The card comes with a $325 annual fee, but this is easily offset by the valuable perks it offers. Terms apply.

TPG credit cards writer Chris Nelson states, "I can fully utilize all the credits, which more than covers the annual fee and even gives me extra value. Plus, it earns 4 points per dollar on dining and 3 points per dollar on flights, two of my largest spending categories, so it's a no-brainer."

Other CardMatch offers

While the Platinum and Gold offers are the most attractive, there may be other worthwhile deals available through CardMatch.

Past offers have included the American Express Cash Magnet® Card and the American Express® Green Card. We recommend comparing any targeted offers you receive with the publicly available ones to ensure you're getting the best deal.

The details for the Amex Cash Magnet and Amex Green cards have been gathered independently by Dinogo. The card information on this page has not been reviewed or provided by the card issuer.

Other ways to find great welcome offers

Targeted offers can be a fantastic way to earn extra bonus points on a card you were already planning to apply for, but they aren't the only method to score a great deal.

Banks frequently offer limited-time, elevated bonuses that are available to anyone who applies, and you can check our regularly updated list of the best elevated bonuses currently on offer.

If you're in search of the best credit card that fits your spending habits and offers an attractive welcome bonus, the CardMatch tool can guide you in the right direction.

If you're aiming to strengthen a specific area of your points and miles strategy, consider exploring these carefully curated lists of top credit cards:

• Travel
• Dining
• Groceries
• Everyday spending

Bottom line

The CardMatch tool is a valuable resource as it helps you uncover better welcome offers than those available to the general public.

The Amex Platinum and Gold cards are among the most sought-after options from American Express. The 175,000-point offer for the Platinum and 90,000-point offer for the Gold are the highest we've encountered for targeted customers. If you're considering a new rewards card, now is the perfect opportunity to see if you're eligible for these exceptional offers.

For more information, check out our detailed reviews of the Amex Platinum and Gold cards.

Use the CardMatch tool to find out if you're eligible for up to a 175,000-point welcome bonus on The Platinum Card® from American Express or up to 90,000 points with the American Express® Gold Card. Keep in mind, these offers are subject to change at any time.