Source standard
Guides prioritize official issuer product pages, membership guides, benefits pages, transfer partner pages, and insurance documents. Secondary commentary is used only when it helps explain practical tradeoffs.
Valuation standard
Statement credits are not treated as cash unless they replace spending a reader would have made anyway. Credits are discounted for enrollment, timing, merchant restrictions, portal pricing, delivery markups, and breakage.
Coverage standard
Protections are described with attention to eligibility, claim caps, covered reasons, exclusions, and whether coverage is primary or secondary. Readers should review current benefit guides before relying on insurance.
Corrections
If a guide is outdated or inaccurate, use the contact page to send the page URL, disputed claim, and source that supports the correction.