How PullThisCard maintains database accuracy, advertising standards, and regulatory compliance for financial content in the United States and Canada.
Earn rates, point valuations, and merchant bonus categories are verified against each issuer's current public terms and conditions before being entered into our database. PullThisCard aims to re-review the database on a monthly cadence, though as a small independent site this is a target we work toward rather than a guaranteed, automated schedule for every card. The one part of the database that IS automatically staleness-checked (welcome bonus offers) is described below.
We do not display interest rates (APR), promotional introductory APR offers, or specific credit score underwriting criteria. This is a deliberate compliance decision: those figures change frequently, vary by applicant, and cannot be accurately represented in a general recommendation tool. Users are directed to the issuer's official landing page for all rate, fee, and credit eligibility information before applying for any card.
Welcome bonuses are treated as time-sensitive offers. Our database tracks the date each bonus was last verified (asOf field), and our automated staleness checks flag any bonus not verified within 90 days as potentially outdated. Flagged bonuses are suppressed from recommendations and suggestion banners until re-verified; we do not display potentially stale bonuses with false confidence. An automated email alert is sent to our data team when any bonus crosses the 90-day threshold.
Verified against issuer terms. Displayed as the nominal earn rate alongside a calculated real cents-per-dollar value using conservative point valuations. The calculation methodology is published at /methodology.html.
Displayed only when verified within the last 90 days. Conservative valuation applied (low-to-mid published redemption value, not best-case). All welcome bonus displays include a disclosure directing users to verify current terms on the issuer's site before applying.
Disclosed inline on the main app page and in full at /affiliate-disclosure.html. Affiliate relationships do not affect card rankings. Compensation is not an input to our recommendation algorithm.
Not displayed. APR varies by applicant creditworthiness and changes with prime rate. Displaying a representative APR would risk misleading consumers about the actual rate they'd receive. Users are directed to the issuer's site for all rate information.
Not displayed or implied. Underwriting criteria are proprietary to each issuer and vary by applicant. We make no representations about a user's likelihood of approval for any card.
Annual fees are acknowledged in card detail views but are not factored into our earn-rate recommendations. That calculation is out of scope for a per-transaction tool. Users are reminded to consider annual fee cost-benefit on the issuer's site before applying.
PullThisCard complies with the following advertising and disclosure standards:
All card data is sourced directly from issuer websites, cardholder agreements, and official terms and conditions pages. We do not rely on data aggregators or third-party card databases as primary sources. Our verification process for each card includes:
dataAsOf field)Our database size changes as cards are added, discontinued, or merged. Rather than quote a specific count here that will drift out of date the next time it changes, the current, always-accurate count is shown in the app itself. We accept user-submitted corrections via our in-app "Report wrong category" feature.
PullThisCard does not collect, store, or transmit users' card numbers, banking credentials, account balances, or transaction history. The wallet (list of card products a user has added) is stored persistently in the user's browser local storage, but is also sent to our servers on each recommendation request, since the recommendation engine runs server-side and needs to know which cards to compare. No card numbers or account-level data are ever included; only the card product names already shown in the app, plus the merchant/category being evaluated. Full detail on exactly what's transmitted and why is in our Privacy Policy.
Affiliate network compliance teams, regulatory inquiries, and data accuracy corrections can be directed to:
PullThisCard
Email: hello@pullthiscard.com
Website: pullthiscard.com
Page last reviewed: July 2026