Which Credit Card Issuers will Match a Higher Signup Bonus?

You apply for a credit card with a signup bonus. The next day you see that the signup bonus has increased for that card. ‘Oh, no!’.

Will the card issuer give you the higher bonus upon request?

For the most part, there aren’t any hard-and-fast rules on this and it could vary widely depending on which CSR you speak to. We’ve tried to collect some data points as to which credit card issuers match the higher bonus.

Many of the reports come from comments on various blogs. People who had that ‘Oh, no!’ moment reported back on the blog as to what their outcome was. Share your own story in the comments below!

American Express

TravelSort reports that Amex used to match higher signup bonuses, but they no longer do so. While they don’t officially match higher bonuses, they will sometimes offer some sort of bonus upon request as a goodwill gesture. Often times, they’ll even match the entire amount to keep you happy.

  • SPG – Some had success getting a full match by calling in (1, 2, 3), others got a smaller goodwill bonus (1, 2, 3) and others couldn’t get them to match at all (1).

See also How To Get ‘Matched’ To The 35,000 American Express SPG Offers for good tips on how to go about making this phone call for best chances of success.

Bank of America

It seems possible to get a match with BoA.

  • Simon K had success getting a match on a 50,000 mile Alaska Airline offer.
  • Elliot W had success once, but had a harder time when he tried doing the same for his wife’s card.
  • BoA Travel Rewards: Reports of success matching the 20k bonus (1, 2). No success (1).

Barclaycard

Barclaycard used to not match to a higher offer. In 2017 they changed to matching bonuses as long as it’s within 30 days of signing up for the card (1, 2). They’ll sometimes even match an annual fee waiver (1).

Capital One

Reportedly (link, link) Capital One does not match.

  • Spark: no match (1).

Chase

The one card issuer who seems to match a higher offer as a matter of policy is Chase. So long as you applied within the past 90 days, Chase will match the higher offer on personal cards and business cards.

For example, if you applied for the Chase Freedom card with a $100 signup bonus on March 1, and on May 25 Chase makes public an offer of a $200 signup bonus, you should be able to get them to match the higher offer and give you the $200 bonus.

With Chase, the easiest way to do this is to simply send them a Secure Message (SM) through your online login, and they’ll send you back a message to confirm that you’ll get the higher bonus. Everyone seems to have success with the SM method, and you have the added advantage of having a written confirmation that you will receive the offer. Calling on the phone should work too.

A few points:

  • Chase will only match a publicly available offer, not a targeted offer. If you got the targeted offer yourself, you should be able to get the match. Try uploading a picture of the offer via SM, or try calling in; they’ll need to validate that you received such an offer.
  • It’s  harder to get them to match an annual-fee-waiver; typically, the match in only on the bonus points.
  • It’s not entirely clear whether the 90-days begins on the date of card approval or on the application date.

Citi

Citi will usually match a signup bonus within 90 days.

If the offer was targeted for you, there seems to be an official rule of matching the bonus. If it’s public offer they’ll usually match as well. Secure Message is the easiest way to get it done.

If you are having trouble getting a match, try asking for a supervisor who will hopefully agree to match for you, or at least offer some lower amount of points as a goodwill gesture.

  • Prestige: Many had success with getting matched (1, 2, 3, 4)
  • AAdvantage: Successful (1, 2, 3, 4, 5, 6), Successful via chat (1, 2), Not successful (1)
  • Unspecified card: Success (1)

Discover

Many have had success getting a courtesy credit (1) at least when escalating to a supervisor (1).

Others have not had success getting a match (1, 2).

NFCU

  • Doesn’t match: 1

Synchrony

  • Doesn’t match: 1, 2 (but doesn’t get a $25 statement credit)

TD Bank

Reader IZ says that they wouldn’t match them to a $150 offer when they signed up for a $100 offer.

US Bank

  •  had success getting a match on a US Bank FlexPerks card. (Another data point here.)
  • Doesn’t match: 1

Wells Fargo

Wells Fargo will not match a higher bonus. (1, 2)

Final Word

As you can see, there isn’t a hard-and-fast rule about getting a match. The exception oisChase who consistently matches better offers. It’s may be worth a phone call or sending a SM with all card issuers, but definitely with Citi, BoA, Discover, US Bank, and Amex.

We’s appreciate if readers could share their own success stories and failure stories of getting an offer-match in the comments below.

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Brian H
Brian H

Just called and tried to match BoA Alaska card 50k offer after signing up for the 40k + no annual fee offer. CS rep said that she’d submit a request for the match and that they’d get back to me by mail in 7-10 business days.

Slappy
Slappy

Did you hear back with the verdict? Looking to see if i can get matched from the 50K offer to the 65K offer.

Slappy
Slappy

Tried calling the service team 3 times, and denied each time. I was recommended to apply for a new card with the 65K offer available. Looks like this might be dead…

Brian
Brian

Never heard back on that first call. Called a 2nd time and after talking with the CSR, she said that they “should” be able to match me and stated the mail line again.

However I just received the statement with my bonus and it says I’m receiving 40k points… May call back again about my “missing” points.

Brian
Brian

Finally called back and it looks like the 2nd BoA CSR did try to submit a match for me, but was denied. Looks like this is dead.

greyhk
greyhk

I just got the Chase Sapphire Preferred in August for the 60k points offer. I sent a secure message today and was just denied the recent change to the 80k points offer. What a bummer.

casey133
casey133

I sm’d Chase about matching my Bonvoy card (opened 5/15/20 @75,000) to the new 100,000 offer (live as of 7/23/20) and was told that the policy is 60 days from account approval. I called in to CS and they verified that is correct 🙁

“Thank you for contacting us. We understand your concern
about your Marriott Bonvoy™ Boundless Credit Card.

XXXXXX, we are sorry, the 100,000 bonus points offer is only
available to those who were approved in the last 60 days.

Although your account isn’t eligible for the new offer you
requested, the original offer is still available and will
remain on your account.”

akmm
akmm

When I applied for BoA CR the offer was for $150(for $500 spend), 2 weeks later it was changed to $200 (for $1000 spend). I did call them and requested to match, they did not immediately accept but when I got the bonus $50 was added to it. No notification though.

Burton

No such luck on Hilton Business match. I had 125k+$100 credit, current offer is 130k+free night and received the “we are not able to make any change in the welcome bonus offer” message. I tried to get them to offer the 5k as a goodwill gesture but chat rep didn’t bite.

TNDeal
TNDeal

Chase matched the Southwest Rapid reward premier current public offer of 60k points w/2k spend in 3 months approximately 50 days after account opening. I originally signed up for the 40k offer with 1k spend in 3 months. Used secure message.

ccuser011
ccuser011

New data point to share…
TL;DR .. It is possible to get Aviator match request but it requires fineness

• Bank:: Barclays
• Card: AAdvantage Aviator Business Mastercard
• Initial Offer: 40,000 AA pts
• Request: Match new publicly available offer of 50k
• Time gap between initial sign up and matching request: 3 months

I started the process via SM. Reply instructed to call 1800# (same as back of the card). Phone agent initially refused the request, I responded that “I am requesting Barclays to make one time courtesy exception to match”. Agent noted the account and informed that she is escalating my request and I should hear back in writing. Few weeks later, I noticed 10k deposit in AA account.

I hope my playbook can help other.

Thanks,
ccuser011

Andrew
Andrew

tried a match on us bank cash+ about 60 days later with no success

tim
tim

Signed up for the no-annual fee Hilton visa about 6 weeks ago with 60,000 point bonus. Sent in a secure message (two times) to ask for the newer 75,000 bonus and was denied both times:

Dear Valued Customer:

Thank you for your inquiry.

We are unable to apply additional points to your existing account for
the new offer. We regret any inconvenience.

If you have any further questions, please let us know.

Best Regards,

Rachael
Account Specialist
South Dakota

Benjinito
Benjinito

Data point – Amex just offered me 5k on my SPG to match the higher 30k offer.