How we verify terms

Every rate is grounded
We never estimate. Each recommendation quotes the exact clause from that card's published terms.
How a rate gets verified
1
Read the official terms
We pull the issuer's own cardholder agreement and rewards terms, the primary source, not a blog.
2
Quote the exact clause
The specific sentence that sets the rate is stored verbatim, so you see the words the reward comes from.
3
Stamp a verified date
Each clause carries the date a human last checked it against the live terms.
4
Re-check when a new version ships
The catalogue is bundled with the app; a new release re-verifies and updates the clauses.
What a citation looks like
Amex Cobalt · Dining5 pts/$
“Earn 5 points for every $1 at restaurant, quick service restaurant, coffee shop and drinking establishments in Canada.”
Verified with American Express · Jul 2, 2026
Catalogue bundled with the app
29 cards · v7. Terms ship inside the app and refresh when a new version is released.

Not financial advice. Verify current terms with your issuer before you rely on a rate, issuers can change rewards at any time.