1. Collect
Rates will be collected from reward portals or authorized data sources and stored with a timestamp, merchant identity, offer type, and applicable qualifiers.
2. Normalize
Percentage cash back, fixed-dollar rewards, points, and miles are different instruments. We will display original units rather than pretending they are identical. Any future conversion assumptions will be explicitly labeled.
3. Rank
For straightforward percentage cash-back offers, the highest eligible percentage is shown first. “Up to,” new-member, targeted, card-linked, or capped offers will be flagged instead of silently treated as equivalent.
4. Freshness
Each production rate will have a last-checked timestamp. Because portals can change offers between checks, users should confirm the final rate on the provider site before buying.
5. Corrections
If a rate is wrong or stale, the production site will provide a correction path and maintain the source/time of the replacement value.