Data Methodology

How benefits are sourced

Benefit data is compiled from official card issuer websites, cardholder agreements, and verified community resources. Each card’s benefits are cross-referenced against at least two independent sources before being added to the catalog.

We track statement credits, membership perks, and recurring benefits that have a concrete dollar value or equivalent (points, free nights). We do not track earn rates, sign-up bonuses, or temporary promotional offers.

How often data is reviewed

The full catalog is reviewed quarterly. High-profile cards (Amex Platinum, Chase Sapphire Reserve, etc.) are reviewed monthly or whenever a major product refresh is announced. Ad-hoc updates happen when users report discrepancies or when issuer announcements are detected.

How updates are handled

Benefit templates in CreditSync are immutable and versioned. When an issuer changes a benefit (amount, schedule, or terms), we create a new version rather than editing the existing one. The old version is marked with an end date, and the new version takes effect from that point forward.

This means your historical tracking data is never altered. If you used a $200 airline credit in January and the issuer raises it to $250 in March, your January record stays at $200 and new periods reflect $250.

After a catalog update is published, existing users need to re-add affected cards to pick up new benefit versions. We plan to automate this in a future release.

When issuers change terms mid-year

Credit card issuers occasionally change benefit amounts, schedules, or eligibility mid-year. When this happens:

• We create a new benefit version with the updated terms and an effective date matching the issuer’s announced change.
• Existing benefit periods that are already in progress are not retroactively modified.
• Future periods are generated using the new version automatically.
• If the change is significant (e.g., a benefit is removed entirely), we flag it in the catalog notes.

Accuracy limitations

CreditSync is a tracking tool, not financial advice. While we strive for accuracy, benefit details can change without notice. Always verify current terms with your card issuer before making financial decisions. If you spot an error, contact us and we’ll investigate promptly.

Report an issue

Found a benefit that’s wrong or missing? Email support@creditsync.pro with the card name and what needs correcting. We typically update the catalog within 48 hours.