Where the data comes from
For every active card on this site, we identify the issuer's own pages that contain the canonical numbers: the marketing application page, the Pricing & Terms disclosure, and where applicable, the Guide-to-Benefits PDF and cobrand partner disclosures. Those URLs are stored alongside the card in our database. Every field on a card page traces back to one of those URLs.
We don't paraphrase another site. We don't trust a competitor's summary. If a number can't be traced to an issuer page, it doesn't ship.
Three-tier sourcing
Different facts come from different kinds of sources. We tag every data point with its tier so you can see how strong the citation is:
- Tier 1 (issuer-stated). APRs, fees, signup bonuses, category multipliers, benefit caps. Quoted verbatim from the issuer's own terms pages.
- Tier 2 (card art). Card material, color, network logo, design details. Sourced from the issuer's product photography.
- Tier 3 (aggregated reports). Approval credit-score ranges and similar synthesized values that no issuer publishes directly. We cite specific report URLs and quote the thresholds verbatim so you can see exactly where the number came from. Tier 3 facts are clearly labeled.
If a fact doesn't fit cleanly into one of those tiers, we mark it as "Not disclosed" rather than guessing.
Caught the day it changes
Issuers change card terms more often than they admit. A daily job re-reads every cited source page, hashes the content, and compares it to the previous day's hash. If anything moves, the affected card gets flagged for a fresh scrape. Elevated welcome offers show up here the day they post, not the week after.
Every card page shows a "Data current as of" timestamp linked to the issuer's official page. If you see a stale stamp, that's a bug. Email support@ccdeck.com.
What LLMs do and don't do
Language models help us draft the editorial bits: card bios, plain- English summaries, the prose around the numbers. They never source facts. Every numeric or terms-based claim is grep-verified against the raw bytes of the issuer's page before it lands in the database. A second LLM pass is not a check; correlated errors compound. The check is bytes.
What we don't claim
We are not financial advisors. Nothing on this site is financial advice. We do not know your credit score, your tax situation, or your goals. We can tell you what a card charges and what it earns; you have to decide whether that fits your life.
We also don't claim to have every card. The site indexes the cards we've personally researched and verified. The catalog grows deliberately, not exhaustively. A missing card means we haven't audited it yet, not that it isn't worth carrying.
How we get paid
Some links on ccdeck are affiliate links. When you apply through one and get approved, the issuer or network pays us a referral fee. That fee never moves a card up the list. The math does. If a card without an affiliate program is the right answer, we say so and link to the issuer's own application page.
See our terms for the full disclosure language.
Mistakes
Anything on this site can be wrong. If you see a number that doesn't match what the issuer is showing today, email support@ccdeck.com with a link to the discrepancy. Corrections get pushed within a day, and the change feed on /updates shows the diff.