Accuracy
Corrections
A clear route for reporting and correcting factual errors.
Report a correction
If you find an inaccurate card term, broken source, calculation concern, or other factual error, submit it through our Support page using the Card Data Correction category. You may also email support@optimalcardsetup.com.
Please include the affected URL, the statement or value at issue, and a first-party source when one is available. Do not send account numbers, card numbers, or other sensitive financial information.
How reports are reviewed
We compare the report with issuer materials or other authoritative evidence and check whether the issue also affects card data, comparison pages, guides, or optimizer behavior. A report is not treated as verified until the supporting evidence has been reviewed.
How corrections appear
We correct confirmed inaccuracies at their source. When an error materially changes an article’s analysis or conclusion, the article should carry a visible correction note explaining the substantive change. Minor spelling, formatting, and clarity edits may be fixed without a separate note when they do not alter meaning.
Changing card terms
A term that was accurate on its stated verification date may later change. We treat that as an update rather than evidence that the original report was inaccurate, while still updating affected current-data surfaces after verification. Always confirm the offer and governing terms with the issuer before applying.
Read the full Editorial Policy and Methodology for our broader sourcing, independence, and modeling standards.
Recent card-data changes
Changes to the card data the optimizer uses, dated the day our catalog changed. Each card page shows its current terms and issuer source.
Corrected the homepage example and the two guides that quote it. The example subtracted each card's sticker annual fee, but the optimizer subtracts annual fees net of the credits the catalog counts, so the page named a pair the optimizer does not return for the same profile: Blue Cash Preferred with the Wells Fargo Autograph at $721.55 a year. The example now comes from the same solve the optimizer runs: Amex Gold with Capital One Venture X at $789.54 a year, with $145 in annual fees after $575 of counted credits, against $432 for a flat 2% card. No card data changed.
Amex GoldCapital One Venture XAmex Blue Cash PreferredWells Fargo Autograph
Added the IHG One Rewards Premier Select, which Chase launched on October 1, 2026: a $350 annual fee, 12x at participating IHG hotels, 6x on dining and all other travel including rideshare and local transit, and 3x on everything else, with no foreign transaction fee and no earning cap. Counted credits are the anniversary night (up to 60,000 points, $100), half of the $200 airline credit ($100) and Global Entry ($30), so the optimizer's effective fee is $120; the $300 of IHG food and beverage vouchers and the United TravelBank, DoorDash and Instacart benefits are counted at $0. Unlike the IHG One Rewards Premier, the Select's terms put no December 31, 2026 limit on its travel rate. The welcome offer is not modeled.
Removed the Robinhood Gold Card's 5x rate on flights and hotels booked through the Robinhood travel portal. Robinhood's Rewards Program Rules (September 2026) say portal purchases earn the same 3 points per dollar as everything else and "are no longer eligible for extra Points"; some Robinhood help pages still show the old 5x. The card now earns a flat 3x everywhere in the optimizer.
The Bilt Obsidian's 2x travel rate now covers flights, hotels and car rentals, agencies and cruises only. Bilt's Card Offer Terms (September 18, 2026) limit the 2x to merchants whose Mastercard merchant code is airlines, hotels, motels, resorts, cruise lines or car rental agencies, so tours, attractions, trains, campgrounds and other travel now earn 1x. The Bilt Travel portal rates (3x flights, 4x hotels) are unchanged.
Wording only, no earn or fee changes. The Bilt Palladium's $400 hotel credit needs hotel stays of two nights or more booked through Bilt Travel. Apple Card needs an iPhone or iPad to add to Wallet. The Discover it Chrome's 2% gas category excludes stations tied to supermarkets, supercenters and wholesale clubs, and restaurants inside hotels or retail stores, and bakeries, may not qualify. The Fidelity Rewards Visa's Purchase Security and Lost Luggage benefits end January 1, 2027, per Fidelity's guide to benefits.
Bilt PalladiumApple CardDiscover it ChromeFidelity Rewards Visa
Local transit now earns the generic travel rate on the Chase Sapphire Preferred (2x), United Club Card (2x), IHG One Rewards Premier (5x, ending with the rest of its general-travel 5x after December 31, 2026), Chase Ink Business Preferred (3x, inside its shared $150,000 travel pool) and Bank of America Premium Rewards (2x). Chase's Rewards Category FAQ lists trains, buses, taxis, limousines, ferries, tolls and parking in its Travel category. The same FAQ excludes sightseeing, excursions and tourist attractions, so the four Chase cards no longer earn their travel bonus on the optimizer's tours and activities category, which now earns each card's base rate. The Sapphire Reserve is unchanged.
Chase Sapphire PreferredUnited Club CardIHG One Rewards PremierChase Ink Business PreferredBank of America Premium Rewards
The Wells Fargo Autograph Journey's $50 annual airline credit is now counted. Wells Fargo describes it as a one-time statement credit each year on the first airline purchase of at least $50, automatic and usable on any airline, so the optimizer's effective fee for the card falls from $95 to $45.
The United Explorer's Instacart credit is now counted at $0 (it was $60) because Chase requires an active Instacart+ membership, which is free for three months and then paid. Counted credits fall from $120 to $60 a year, so the optimizer's effective fee rises from $30 to $90. The rideshare credit now notes that enrollment is required.
Added credits the issuers list that the catalog was missing, each counted at $0 so no net value changes: DashPass on the Freedom Unlimited and Freedom Flex, a monthly DoorDash promo on IHG One Rewards Premier, the Hotel Collection credit on the Amex Business Gold, and per-stay hotel experience credits on the Capital One Venture X and Venture.
Chase Freedom UnlimitedChase Freedom FlexIHG One Rewards PremierAmex Business GoldCapital One Venture XCapital One Venture
Added a note that Bank of America's BofA Rewards bonus, which replaced Preferred Rewards, adds 10% to 75% on top of card rewards depending on your combined Bank of America and Merrill balance and is not included in these cards' rates. The Premium Rewards airline-credit note no longer says you must choose an airline.
Bank of America Customized CashBank of America Premium Rewards
The Hilton Honors Aspire page now says its 7x car-rental rate applies to purchases made directly with select major car rental companies, while travel agencies and cruises earn 3x; the optimizer still counts the combined category at 7x. Its Waldorf Astoria and Conrad credit is described as up to $100 per booking. The Hilton Honors Surpass's $200 credit is now named Hilton Credit, as American Express names it. No value changed.
Added a note that Capital One has been issuing select new accounts on the Discover network since March 2026, so a new Venture, Savor or SavorOne account may be on that network. The listed network is display only and does not change the modeled earn rates.
Capital One VentureCapital One SavorCapital One SavorOne for Fair Credit
Wording and benefit-list fixes with no rate, cap or fee change: DashPass dates on the Sapphire Preferred, the Sapphire Reserve dining credit's term and OpenTable check, enrollment notes on the United Explorer rideshare and Amex Platinum digital-entertainment credits, the Instacart membership requirement on the United Club Card, the IHG United TravelBank registration step, the Ink Business Preferred DoorDash discount, Stream.ESPN.com on the Blue Cash Disney bundle, Delta Stays covering prepaid vacation rentals, and the Venture X travel credit earning no rewards and expiring at the account anniversary. Card pages also now list the IHG Platinum Elite status on the United Club Card, the free checked bag and boarding group on Southwest Priority, IHG Diamond and spend-bonus thresholds, and the Amex Platinum hotel statuses.
Chase Sapphire PreferredChase Sapphire ReserveUnited Explorer CardUnited Club CardSouthwest Rapid Rewards PriorityIHG One Rewards PremierChase Ink Business PreferredAmex PlatinumAmex Blue Cash PreferredAmex Blue Cash EverydayDelta SkyMiles GoldDelta SkyMiles PlatinumCapital One Venture X
The Capital One Quicksilver page now says Capital One has been issuing select new credit card accounts on the Discover network since March 2026, so a new account may be Mastercard or Discover. The listed network stays Mastercard, the typical one, because no Capital One page names a network for a new applicant. The fee, rates and credits are unchanged.
The Hilton Honors Aspire's $400 Hilton Resort credit is now counted at $0 by default (it was $200), because it applies only at Hilton Resorts properties and needs a qualifying stay. The $200 airline credit and the annual free night still count at $200 each, so the optimizer's effective fee for the Aspire is $150 (it was $0). The card's fee, credit amounts and earn rates are unchanged.
Corrected the Chase Sapphire Reserve's lounge note, which said "unlimited" Chase Sapphire Lounge guests. Chase's page gives access to Chase Sapphire Lounges by The Club with up to two complimentary guests, and Priority Pass Select with up to two guests per visit (additional guests are $27 each). The Edit hotel credit now reads up to $250 for each prepaid booking, up to $500 a calendar year (it was described as $250 twice a year), the Apple TV and Apple Music credit is listed at Chase's stated $324 a year with activation required by June 22, 2027, and the DoorDash entry now separates the $420 of promos from the DashPass membership. These credits and perks are counted at $0, so no optimizer figure changed.
Added a note that Bilt Neighborhood Dining restaurants pay bonus Bilt Points on top of the card's own earn rate, with the amount shown in the Bilt app for each restaurant (Bilt's pages list up to 4X, 6X and 5X for the Blue, Obsidian and Palladium). It is not modeled: the multiplier varies by restaurant, Bilt pays it on any eligible card linked to a Bilt account, and Bilt can change or revoke it.
The PenFed Power Cash Rewards note now states the conditions PenFed lists for its 2% rate (PenFed Honors Advantage): military or veteran status, or being the primary owner of both this card and a qualifying PenFed checking account, with a $500 minimum daily balance or $500 monthly direct deposits for Free Checking. The optimizer still models the 1.5% rate.
The Delta SkyMiles Gold and Platinum priority-boarding perk now reads Zone 5, as American Express's card pages name it (it said Main Cabin 1). The Platinum companion-certificate note now covers Delta Main fares, redemption toward the flight portion of a Delta Vacations package, government taxes and fees of $22 to $250, and the exclusion of Delta Basic fares. Perks are listed, not valued.
IHG One Rewards Premier updated for Chase's October 2026 refresh: the annual fee is now $150 for new applicants (was $99), and grocery stores earn 5x. The $20,000 spend credit was removed. A $100 airline credit (after $250 of flights bought directly from an airline, counted at $50) and a quarterly food-and-beverage voucher (counted at $0) were added, and the anniversary night now covers up to 50,000 points. Chase's terms narrow the 5x on general travel after December 31, 2026, so only direct airline tickets and car rental agencies stay at 5x; the card page discloses this, and the optimizer keeps the current rates until then. Press coverage reports that existing cardholders first pay $150 in 2027; Chase's card page does not say so.
Added the Amex Business Gold's 3x on flights and prepaid hotels booked on AmexTravel.com, as Amex's card page states. Amex Travel car rentals and cruises, and direct travel, stay at 1x.
The PayPal Debit Card's international transaction fee is now modeled at 2.5% (it was 0%), following its cardholder agreement, last updated January 26, 2026. The earlier 0% reflected only currency conversion, not the fee on purchases from non-U.S. merchants.
Added missing credits, all counted at $0 by default: the Amex Gold's $100 Hotel Collection credit (per qualifying stay of two nights or more booked through Amex Travel), and the DashPass and quarterly DoorDash benefit on the World of Hyatt Card and the Marriott Bonvoy Boundless.
The Capital One Quicksilver page now notes that some existing accounts moved to the Discover network earn 3% at grocery stores and gas/EV stations; the optimizer uses the flat 1.5% Capital One advertises to new applicants. Its network is now listed as Mastercard.
The Delta SkyMiles Gold and Platinum card pages now list the cardholder's second checked bag as free on domestic Delta flights, in addition to the first bag. Perks are listed, not valued.
Card pages now disclose that Chase Ultimate Rewards points transfer to World of Hyatt at 4:3 (1,000 points become 750 Hyatt points) on the Sapphire Preferred and Ink Business Preferred for every account from October 1, 2026. The optimizer still values Ultimate Rewards with one blended rate.
The Amex Business Gold's $20 monthly business credit now lists Grubhub, office supply stores, and UPS.com shipments; Amex removed FedEx effective October 1, 2026. The credit's modeled value is unchanged.
Chase Freedom Flex's foreign transaction fee changed from 3% to 0%, matching Chase's site (effective September 20, 2026).
Added the Hilton Honors Aspire's 7x on car rentals booked directly and its $100 a year Waldorf Astoria and Conrad on-property credit.
Added missing credits: DashPass on the Ink Business Preferred, Instacart+ on the Ink Business Cash and Ink Business Unlimited, ChatGPT Business, Squarespace, and Walmart+ on the Amex Business Gold, and Global Entry/TSA PreCheck on the Fidelity Rewards Visa.
Chase Ink Business PreferredChase Ink Business CashChase Ink Business UnlimitedAmex Business GoldFidelity Rewards Visa
Bank of America Customized Cash's travel choice category now includes transit, following Bank of America's own category definition.
Wells Fargo Autograph now unlocks Wells Fargo point transfers to travel partners on its own.
Added the Venture X's Global Entry/TSA PreCheck credit (up to $120 every four years) and the Southwest Priority card's 7,500 anniversary points.
The CLEAR Plus credit's maximum rose from $209 to $219 (effective July 1, 2026). The optimizer still counts it as $0 by default.
Foreign transaction fees are now modeled on every card, with an optional category for purchases abroad. U.S. Bank Altitude Go and the PayPal Cashback Mastercard charge 3%, as does the Robinhood Gold Card for accounts opened on or after July 1, 2026.
US Bank Altitude GoPayPal Cashback MastercardRobinhood Gold Card
Amex Green is marked closed to new applicants (Amex stopped taking applications on July 23, 2026). Existing cardholders can still include it as a card they hold.
Removed 114 travel-portal earn rates that modeled purchases that cannot happen: Chase Travel, Capital One Travel, Citi Travel, the U.S. Bank Travel Center, and Robinhood's portal accept only their own issuer's cards.
Chase Sapphire PreferredChase Ink Business PreferredCiti Strata PremierCostco Anywhere VisaBank of America Premium RewardsWells Fargo AutographWells Fargo Autograph JourneyAmex Green