Update 10/10: The CardMatch tool is back with the 100k bonus offer for the Amex Platinum card. This 100k offer has resurfaced five times in 2018, so while not uncommon, it is worth checking again if you weren’t targeted the last time as they seem to be targeting different rounds of customers over time.
There is a targeted offer available through creditcards.com’s CardMatch Tool for 100,000 Membership Rewards for spending $5,000 on your new Platinum within three months of opening it. The current public offer is 60,000 Membership Rewards for spending $5,000 in three months, so this targeted offer is significantly better. I value Membership Rewards at 2 cents each, making it worth a whopping $800 more.
You can only get the bonus on an American Express card once per “lifetime”. Amex records seem to drop off for people around seven years, so in their terms a “lifetime” is about that long.
However if you were targeted for an American Express offer, you can still be approved even if you have had the card before.
How to Check if You’re Targeted
- Click here to navigate to the CardMatch tool.
- Fill in the information requested on the landing page, and click GET MATCHES at the bottom of the form.
Don’t worry, the site specifically states that a hard credit score will not be performed (so your credit score will not be affected).
3. See what cards pop up. Hopefully you see this…
I was not targeted but have friends and family that were the last time few times this offer was floating around.
Some people’s 100k offer shows up right away on the landing page after clicking GET MATCHES, but some may need to click CARDMATCH SPECIAL OFFERS in the toolbar on the left side of the landing page in order to reveal the 100k Platinum offer. Note that not everyone will have the CARDMATCH SPECIAL OFFERS box to check, so if you don’t see it, doesn’t mean something’s wrong with yours. It just means you weren’t targeted.
I, for example, was not given the “CARDMATCH SPECIAL OFFERS” box in the FEATURES column on the left-hand side of my screen. Some people are, some people aren’t. This is what my Cardmatch Tool results screen looks like:
Current Public Offer
The Platinum Card from American Express comes with 60,000 Membership Rewards after spending $5,000 in the first three months. Membership Rewards transfer to around 20 hotel and airline programs including Delta, Singapore, Etihad, and British Airways.
The card has a $550 annual fee. But it comes with huge benefits like airline fee reimbursement (which you can also use to buy airline gift cards), airport lounge access, hotel status, $200 in Uber credit, and a 5x category bonus for purchases directly from airlines. For more info on setting up and maximizing the benefits, see Get the Most Out of Your Platinum Card.
The targeted 100k offer comes with the same benefits package.
A $550 annual fee sounds scary, but it shouldn’t phase you if you travel often. You’ll get $200 in airline incidental fee credit (or if you don’t spend on incidentals, buy an airline gift card(s)), another $200 in airline incidental fees/gift cards in 2019, $200 in Uber credit per year doled out monthly, and access to American Express Centurion Lounges, which are the nicest domestic lounges, Priority Pass lounges, as well as International American Express lounges and Airspace lounges for a year for that price. Not to mention the 100,000 bonus Membership Rewards should be worth roughly $2,000 if you transfer them to partners for one or several high value awards.
As I said above, you can only get the bonus on an American Express card once per lifetime, a “lifetime” being roughly seven years. However targeted offers are the one loophole to the Amex “Once in a Lifetime Rule”. That doesn’t mean you are guaranteed approval if you see this targeted offer through Cardmatch, it just means you still have a chance (a much higher one than if you applied for it publicly).
There are a few other things to remember when considering your eligibility for Amex cards. Read Issuing Banks Rules for Approvals and New Bonuses to learn more.
Check to see if you’re targeted for a 100,000 Membership Rewards bonus for the American Express Platinum Card. No hard credit pull is performed when using the CardMatch Tool. Even if you’ve already had the card, it’s possible to get approved for another if you’re targeted.
Good luck! Post your application results in the comments.
Hat tip Doctor of Credit