Sources
Creddy prioritizes official issuer and program materials for card fees, benefits, eligibility, credits, and reset rules. When a public page includes an official source link, readers should use that link to confirm the terms that apply to their account.
Benefit values and reset rules
A displayed dollar value describes the face value stored in the catalog, not a promise that every user will receive the full amount. Eligibility, enrollment, merchant restrictions, spending rules, and timing can reduce usable value. Reset labels are intended to describe the applicable monthly, quarterly, annual, or other usage period.
Rankings and comparisons
Rankings use published card attributes and the criteria stated on the page. Comparisons show meaningful differences between two supported cards. Compensation does not change the underlying catalog values or the stated ranking criteria.
Corrections
Card terms can change. Readers can report an outdated or incorrect detail through the corrections page.
Frequently Asked Questions
How does Creddy verify credit card benefit data?
Creddy uses official issuer and program materials as primary sources for fees, eligibility, benefit values and reset rules, and links to the source where available. Displayed values are face values, not guaranteed usable value.
How often is Creddy card data updated?
Creddy updates catalog data when issuers change terms or when a change is reported, rather than on a fixed schedule. Check the issuer's current terms before relying on any value.
What sources does Creddy use to confirm card fees and credits?
Official issuer pages (application pages, benefit terms and cardmember agreements) and official loyalty program materials. Creddy's methodology gives these priority over third-party sources.
What happens when an issuer changes a card's terms?
Creddy updates the affected catalog entry and page copy once the change is confirmed. Readers can report a change through the corrections page with the page URL and an official source.
Does Creddy show when a card was last verified?
Card pages show Maintained by Creddy Editorial and a Catalog checked date when benefit verification dates are available. That date describes the catalog check and does not guarantee that every term remains current; confirm important details with the issuer.