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Finding the cash back, balance transfer, or 0% APR credit card is like finding a needle in a haystack. And when big sign-up credit card offers come around, sometimes it’s like a feeding frenzy. Where you need to jump on the deal before it ends. It makes you feel like you have to be on your computer all day, every day. If only there was a magic credit card finder. You’re in luck because there is, CardMatch Tool.
- Credit Card Finder: CardMatch Tool
- Why Use a Credit Card Finder Like CardMatch Tool
- How to Use a Credit Card Finder, CardMatch Tool
Credit Card Finder: CardMatch Tool
So when Kelly emailed and asked:
Here’s what I told her.
Kelly can use a special credit card finder like CardMatch tool to search for credit card offers.
One of the quickest and easiest ways to search for travel rewards cards offers is to use the CardMatch tool.
The CardMatch tool shows Kelly the best credit card offers. And it’s personalized for each user.
When Kelly enters her information, she’s shown the credit cards selected for her. If her husband enters his information, he’s shown travel rewards cards for him.
The same credit card offers might be shown to Kelly and her husband. But they might not.
So each person gets offers based on their credit score.
Why Use a Credit Card Finder Like CardMatch Tool
With all the travel rewards cards offers out there, why use a credit card finder like the CardMatch tool?
Because with the CardMatch tool, Kelly will save time. And as we all know time is money.
More Likely To Get Approved
Getting denied or the dreaded reconsideration for a credit card is a bummer. But when Kelly uses the CardMatch tool that’s less likely to happen. Because she’s more likely to get approved.
What’s great about using the CardMatch Tool is that Kelly is more likely to qualify for the offers shown. Her chances of getting approved for a credit card are greater when she uses the CardMatch Tool.
When using a credit card finder like the CardMatch tool, it shows lots of cards. So they aren’t considered pre-qualified offers.
A pre-qualified offer is where all Kelly would have to do is submit her information and she’d get the card. Kelly still has to apply for the credit card she’s interested in.
The credit card offers shown to Kelly using a credit card finder will be ones she’s more likely to get approved for.
No more applying and get denied. Kelly can apply for the credit cards she has a greater chance of getting approved for.
Targeted offers are some of the highest credit card signup bonuses. Travel rewards cards sign-up bonuses of 100,000 points are usually targeted offers.
Those offers are rarely available to everyone. The few times they are public offers, you have to quick. Because they could expire within days, sometimes hours.
By using a credit card finder, Kelly can search for her targeted offers online. Instead of waiting by her mailbox hoping to get one in the mail
Kelly can use the CardMatch tool to check for her targeted offers.
Doesn’t Affect Credit Score
A credit pull is not done when using the CardMatch tool. It’s a soft inquiry that does not appear on Kelly’s credit report.
So Kelly’s credit score is not affected when she uses the credit card finder. And she can use the CardMatch tool as often as she likes. Checking
Because the offers can change, she can check every day or every week to find her best-targeted offers. And her credit score won’t take a hit.
Kelly’s credit score won’t be affected.
Kelly’s credit score will change if she applies for a credit card. A hard inquiry occurs when Kelly applies for a credit card or takes out a loan.
A hard inquiry has a temporary effect on Kelly’s credit. Usually a matter of 50 points or so. However, the effect on each person’s credit score may vary.
And if Kelly’s approved for a new card, her score may increase. Because now her debt to credit ratio has improved.
Which Banks Have Offers on CardMatch
Kelly may be wondering if the CardMatch tool only offers certain credit cards offers. She shouldn’t worry because all the big banks are part of CardMatch:
- American Express
- Capital One
- and more
So Kelly can find some of the most popular travel rewards cards. Assuming she’s targeted for those offers.
How to Use a Credit Card Finder, CardMatch Tool
Here’s how to use a credit card finder like the CardMatch tool.
1. Go to the CardMatch Tool website
Kelly will enter her information: full name, address, and last 4-digits of her Social Security number. Then click the green box, “Get Matches.”
If Kelly wants a free credit report and score, she’ll keep the box checked and enter her email address. She’ll have to confirm her email address before receiving her credit report.
Or she can do like I did, and uncheck the box.
Pro-tip: Kelly can get your credit score for free from several credit cards. No need to signup for another service.
2. Accept the terms and conditions.
A popup box will appear with the terms and conditions. Kelly has to accept these before she can get her credit card offers.
She will check the box and then click the green “Submit” button.
Kelly will see another popup box telling her that they are searching for her matches. This takes 60 seconds or less.
I entered my information and it took about 5 seconds to pull up my matches using the credit card finder.
3. View Your Credit Card Offers.
In less than 60 seconds Kelly gets a list of targeted offers for travel rewards cards.
4. Apply for Credit Cards.
Kelly can apply for the offers she finds using the CardMatch tool. She can use the big green “APPLY NOW” button.
Kelly will get better offers with high sign-up bonuses if she has good credit. Usually, if she already has cards from one bank, she may not get any targeted offers from them.
But this wasn’t the case for me. Despite having 9 Chase cards, I still got targeted offers for four different Chase cards.
The CardMatch tool is quick and easy to use. Kelly will get offers that she’s more likely to get approved for.
Especially targeted offers that aren’t available to the public. And using it won’t cause a hard inquiry on Kelly’s credit report.
Because the credit cards in the CardMatch tool can change, Kelly can search for new offers as often as she likes.
But she shouldn’t wait to apply. Because the best travel rewards cards and credit card offers can disappear.
Have you used a credit card finder like the CardMatch tool? If so, what credit cards were you offered?
Blog posts on how you can use travel rewards points:
- How to Travel for Free With Travel Rewards Cards
- Review: Lufthansa 747-8 First Class Los Angeles to Frankfurt for $40
- Our First Class Hawaiian Airlines Honolulu to Sydney Flight for $63
- The How to Luxury Guide to Sydney on $85 a Day
- Two Weeks in Hong Kong & Australia on $93 a Day
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Traveling Well For Less has partnered with CardRatings for our coverage of credit card products. Traveling Well For Less and CardRatings may receive a commission from card issuers.