Editorial policy and disclosures
Editorial policy and disclosures
Our standard
We aim for guidance that is useful and checkable. That means:
- Official sources first. For rules and figures we rely on card issuers’ official terms and rewards agreements, and government pages. Rules change often, so guides say when they were last checked.
- Showing our working. Calculations show every assumption, so you can check them and use your own numbers.
- Labeling examples. Worked examples use imaginary cards (Card A, Card B) unless they name a real one. Named cards’ rates are taken from official terms and dated.
- No invented experience. We don’t make up personal stories, test results or credentials. When a guide describes the editor’s own experience, it says so.
- Budget first. We never encourage borrowing or extra spending to earn rewards or reach a goal.
How guides are written
Guides are researched and drafted with the help of AI tools. The editor is responsible for what’s published, including its accuracy, its sources and any corrections.
Updates and corrections
We update a guide when we learn that a rule, figure or recommendation has changed, and we change its date only when its content has changed in a meaningful way. If you spot an error, please tell us and we’ll correct it and note the change.
Commercial relationships
Card Calculator has no affiliate links, sponsored content or paid placements at the time of writing. If that changes, we will say so clearly beside the relevant link or recommendation, and update this page. Payment will never decide what we recommend without telling you.
General information only
Our guides are general education. They don’t replace official terms or individual financial, tax or legal advice.
Card Calculator is published by Accel Media, part of Accel Apps Inc.