Methodology

We're a fintech, not a blog. Every number on this site comes from data we collect, validate, and refresh on a schedule — not from someone's opinion. This page explains how.

Where the data comes from

We track 100+ US credit cards by scraping issuer websites directly. Every offer (bonus amount, spend requirement, period, annual fee) is fetched from the issuer's own application page — not from third-party affiliate networks who have incentives to keep stale numbers up.

When sources disagree (e.g. Chase's marketing page vs. their application page), we surface the offer that lives behind the apply button. Application-page truth always wins.

Refresh cadence

• Top 30 cards (Chase Sapphire, Amex Platinum, Capital One Venture X, etc.): re-verified daily.
• Remaining 70+ cards: re-verified weekly.

Anything flagged by users via 'Spotted an error?' gets re-verified the same day. Every card detail page shows a 'Verified {time} ago' timestamp.

How we score offers

Our Offer Score (0–100) blends four signals: bonus value relative to spend requirement, how the current bonus compares to that card's all-time high, the card's annual fee net of credits, and approval friction (5/24, lifetime rules, etc.).

We never weight by affiliate payout. A no-commission card can score higher than a high-payout one when it's a better fit. That's the point.

Approval Predictor — how it works

Approval odds come from a rules-based model built from publicly disclosed issuer policies (Chase 5/24, Amex lifetime, Capital One Bureau preference, etc.) plus aggregated community data from Reddit r/CreditCards and DoctorOfCredit reports.

We don't pull your credit. We don't store SSN. The model runs entirely in your browser from the 5 questions you answer. Estimates are directional, not guarantees — issuers can still deny for reasons not visible to us.

AI transparency

Our AI Card Advisor uses a combination of a rules engine (deterministic — your 5/24 count, fee comfort, ecosystem fit) and a large language model for personalized explanations.

We do not train any AI model on your data. Your profile (spending, goals, wallet) is stored locally in your browser unless you sign in and explicitly save it. Even then, it's never shared with model providers for training.

Editorial independence

We earn revenue through affiliate commissions when you're approved through our links. We never let that influence rankings. See our Affiliate Disclosure for the full explanation of how independence is enforced editorially.

Rankings, recommendations, and AI verdicts are produced by the same engine for every user — the engine doesn't know which links pay us more.

Mistakes? Tell us.

Card terms change frequently. If something looks wrong — a bonus that's been pulled, a credit that no longer exists, a fee that changed — email us and we'll re-verify within 24 hours. hello@creditpoints.cash.