Benefit structure
Value, cadence, reset window, enrollment, and material usage conditions.
Data methodology
How card facts stay useful.
Benefit terms move. Enrollment rules differ. Some details depend on the account in front of you. This is the maintenance standard kardfolio uses to distinguish a current fact from a useful caution.
Methodology reviewed August 1, 2026
What kardfolio maintains.
The public catalog focuses on card-level benefits and fees that help someone decide what to track and revisit. Your own eligibility, targeted offers, cardmember year, enrollment state, and issuer interpretation can change the result.
Card context
Annual fee, issuer, product family, and the card version the entry describes.
Decision context
Facts that help frame renewal and usage—not a personalized financial verdict.
Account truth
Your issuer agreement and account view remain authoritative for your account.
Published terms lead.
The most specific current official source wins. When two official sources conflict, kardfolio does not silently pick the more generous interpretation: the entry should be narrowed, marked for review, or withheld until the conflict is resolved.
Source maintenance ledger
The source order
The hierarchy is applied to each fact, not once to an entire card.
Issuer terms
Current issuer benefit terms, offer terms, and official program documents lead when they address the exact fact.
PrimaryIssuer pages
Official card and benefit pages add eligibility, enrollment, redemption, and timing context.
CorroboratingNetwork rules
Official Visa, Mastercard, and American Express network materials apply only to network-provided benefits.
ScopedSupport confirmation
Issuer support can clarify ambiguity, but a single conversation does not override published written terms.
SecondaryEditorial sources
Reputable reporting can flag a change for review; it is not our final authority for card terms.
Discovery
A date is not proof by itself.
“Reviewed” means the applicable source was checked for the stated fact on that date. A database update timestamp, import time, or unrelated page edit is not presented as verification. Fact-level source notes are being expanded across the catalog; where they are absent, the page should not imply more certainty than the record supports.
Fact-level review
Value, cadence, enrollment, and restrictions may have different source dates.
Version awareness
Legacy products and targeted account variants are not treated as one card.
Uncertainty should be visible.
Status language separates a usable current record from a transition or unresolved exception. It is information about the record—not a quality score for the card.
Current
Checked against the applicable official source and not known to be changing.
Transition
A published change has a future or phased effective date.
Account-specific
Eligibility or value can differ by offer, account, or product version.
Review due
The source or fact needs another check before it should be relied on.
Disputed
Official sources conflict or a material interpretation remains unresolved.
Retired
The benefit or product is no longer offered for the version described.
Review follows the rate of change.
High-change benefits and announced transitions need closer review than stable definitions. Material corrections should update the affected record and its review state; they should not be hidden behind a generic “last updated” date.
Scheduled review
Priority follows volatility, user impact, and known issuer transition windows.
Triggered review
Issuer announcements, user reports, and source conflicts reopen the record.
Limitations
kardfolio is not the issuer and cannot guarantee account-level eligibility.
Corrections
Reports are checked against official sources before public data is changed.
Found something that moved?
Send the card, the specific benefit, and the official source you found. Do not send an account number, statement, or other sensitive financial information.