CardCura is a synthesis platform. Our simulation engine relies on highly accurate, structured data to perform its calculations. Here is an overview of how we source and manage that data.
Data Freshness Guarantee
Our core database of annual fees, multipliers, and sign-up bonuses is refreshed weekly to prevent out-of-date mathematical recommendations.
1. Issuer Official Pages
The primary source of truth for all quantitative variables (annual fees, point configurations, spending caps, foreign transaction fees) is the official public disclosures hosted by the card issuers themselves, including but not limited to:
2. Public Terms Disclosures (Schumer Box)
When calculating edge-case logic for our engine, we defer to the federally mandated "Schumer Box" provided explicitly on the application pages of every credit card. This dictates the undeniable truth over marketing copy on landing pages.
3. Regulatory References
CardCura abides by the broader regulatory frameworks concerning truthful advertising and financial disclosures, referencing guidance from the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). Note: CardCura itself does not issue credit and is not a legal financial advisor.
4. Discrepancy Handling
Because limited-time offers and targeted affiliate bonuses can fluctuate rapidly, discrepancies between our simulation engine and the issuer page may occasionally occur. When discrepancies happen, the terms displayed on the final issuer application page always take legal precedence over CardCura's estimated calculations.