Does Using The CardMatch Tool Count As A Credit Pull?

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Several days ago I wrote about how the CardMatch Tool is offering a targeted sign-up bonus of 100,000 Membership Rewards points upon completing minimum spend, which is an incredible deal.

For those of you not familiar with the CardMatch Tool, the way it works is that you have to enter some personal information (including your name, address, and the last four of your social security number), and based on that information CardMatch can help you find special credit card deals by matching your credit profile with offers you’re likely to qualify for, and even special offers that you’ve been targeted for.

This sounds too good to be true to many, so one question I’ve been asked a few times since that post is whether entering your information on the CardMatch Tool will count as a hard pull? The answer to that is absolutely not — CardMatch just does a soft pull on your credit, so checking your CardMatch offers (no matter how often) won’t impact your credit in any way.

I check my CardMatch offers all the time, in hopes of being targeted for a special offer.

If you don’t check the CardMatch Tool every so often, I’d certainly recommend doing so. That’s especially true if you don’t have the Amex Platinum Card, as it means you have decent odds of being targeted for the current 100K offer on the card. If you are targeted for the offer, then applying for the card should be a no brainer.

Personally I value Membership Rewards points at ~1.7 cents each, meaning that the 100,000 points are worth ~$1,700. However, everyone values points differently, and even if you aren’t going to maximize the points, you can redeem them for one cent each towards the cost of a travel purchase, which means the bonus will get you at least $1,000 worth of travel.

All of this doesn’t account for the other great perks on the card, including:

While the offer is targeted, once you enter your info through the CardMatch Tool, you might have to click on either “Pre-Qualified” or “CardMatch Special Offers” on the left side of the page to find this offer.

Happy CardMatching!

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  1. Does anyone know what credit agency this does a soft pull from? I’ve frozen my credit with all 3 agencies so the cardmatch tool doesn’t seem to actually work but I’d rather not unfreeze all 3 reports if it’s not needed.

  2. Got zero offers that are not already available. I did go to the Amex website and they offered me 75K miles instead of the usual 50K or 60K?. Going to their website on my work computer get me a 60K offer. I guess they’re tracking me via cookies or something. My wife got the 100K miles via mail, but we never use Uber and the travel credits are too restrictive for our liking. Wouldn’t mind seeing CSR upping the intro offer to 100K….

  3. Having frozen bureaus definitely messes this up. Kind of annoying as I am too lazy to unfreeze bureaus for this, but I guess if it got me the 100K link I would, haha. Unfortunately last time it worked for me, it had some lame product recs for me. Definitely not the AMEX Plat which I’d spring for ONLY if I got the 100K.

    Anyways, it’s either Experian or TU. I can’t recall which one unfortunately, sorry. But I think it’s Experian based. Maybe it will use any though if one is unfrozen? I’ll report back if I test this.

    The error wording is very weird, IE – it says it cannot locate your credit file. You think they’d have a specific wording saying “your credit is frozen, unfreeze it” as the way they word it makes it sound like there is an issue with finding you at all.

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