How Backpocket does the math

Where offer numbers come from.

Elevated-offer data is captured daily from public sources — primarily Doctor of Credit. Each offer carries its capture date and source in the interface. We don't list targeted or referral offers you can't verify yourself.

How cards are valued.

Two framings, always both: cash back (points at their cash floor) and transferable points (valued per program from the table below). We never invent a cents-per-point number for a verdict that isn't in this table.

The Backpocket value is our call, not an average — anchored to the published valuations shown beside it from The Points Guy, Frequent Miler's Reasonable Redemption Values, and One Mile at a Time, re-checked on the date shown. Rows marked * cover programs no published reference values; those are our estimate, and labeled as such. Disagree with a number? The cash floor is always shown, and the verdict math never assumes a redemption better than the baseline.

The rules we check.

Chase 5/24. Chase 24-month same-card cooldown. Sapphire 48-month family rule. Amex once-per-lifetime language. Citi 48-month family clocks. Minimum-spend feasibility against your stated spend. Duplicate holdings. When a rule can't be checked from what you've told us, the verdict says so instead of guessing.

What Backpocket doesn't do.

No affiliate links — verdicts carry no application link at all. No bank logins or credential storage. No approval-odds guessing. No targeted-offer claims. Deterministic results are never presented as AI.

Where AI is used.

One place: chat. Chat answers work from the same computed facts as everything else, and the numbers in chat come from the calculator, not the language model. Verdicts, audits, and card checks involve no AI at all.

Corrections.

Found wrong math or a stale offer? Email support@withbackpocket.com. The whole point of showing the work is that you can check it.