Credit cards data methodology

This page describes the release rules for SwitchWize's approved credit cards dataset. It does not imply that a current release exists.

Check current category status

Required evidence and freshness

A current release uses evidence no older than 72 hours at publication. Every displayed metric and required term has its own source receipt.

• A current release needs editor approval, a source receipt for every displayed metric and required term, and no unresolved exclusions.
• Current releases require official or government evidence. An aggregator observation alone cannot approve a current rate.
• Missing, conflicting, future-dated, or stale evidence excludes a record from a current release.
• Rates and terms may change after the evidence time; check the issuer before applying.

Product qualification

An expired offer cannot enter a current release. Card offer feeds are separate from deposit rate feeds.

Fields we require

Metric convention: purchase_apr matching the sourced purchase APR term.

• segment
• annual_fee_usd
• purchase_apr
• intro_apr_percent
• offer_expires_at
• intro_apr_months
• balance_transfer_intro_apr_percent
• balance_transfer_intro_months
• balance_transfer_fee_percent
• reward_rate_percent
• reward_cap_usd
• reward_exclusions
• secured_deposit_minimum_usd
• eligibility

Ordering

No generic approved deposit APY ranking exists for cards. Offer comparisons require the current offer version, expiry, fees, eligibility, and issuer terms.

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