How ranking works

Where offers come from

Public listings are read every morning from the programs’ own pages: Amex Offers, Chase Offers, Citi Merchant Offers, Capital One Offers, PayPal Offers, Rakuten Cash Back. Members who install the Chrome extension can also share the offers already loaded in their card accounts, which is how offers that issuers never publish publicly get listed. Right now the index holds 856 active offers across 766 stores.

The extension reads offers that are already displayed to you. It never collects card numbers or bank passwords. Extension privacy

How an offer is valued

Offers are written as free text, so each title is parsed into a reward, a minimum spend, and a cap. What is not stated is never invented; anything we cannot read confidently stays unranked.

Percentage offers

rate × spend, then capped at any stated maximum. “10% back, up to $15” pays $10 on a $100 purchase and $15 on a $400 purchase.

Fixed-amount offers

the stated amount, never more than the purchase. “Spend $100, get $20 back” pays $20 at $100 and $0 at $50.

Minimum spend

below the threshold the estimate is $0, and the row says what would qualify.

Tiered offers

“5% on the first $500” is capped at the tier, so the estimate stops at $25 no matter how much you spend.

Points, miles and “up to” rates

shown with their own wording and never converted to dollars. A points value depends on how you redeem, and an “up to” rate depends on what you buy, so neither can honestly be called best.

What “Best for $100” means

The label is always tied to an amount, because the winner changes with it. At $100 a flat “$20 back” beats “15% back”; at $200 the percentage wins. Change the spend field and the order, the estimates and the label all recalculate. Ties prefer the percentage offer, then the lower minimum spend. Nothing is labelled best unless it produces a positive dollar estimate at the amount shown.

Targeted offers and eligibility

Card-linked offers are targeted: issuers show different offers to different accounts, and they can be withdrawn without notice. A listing here means the offer exists, not that it is in your account. Confirm it in your issuer app before you buy, and add it to your card first, since issuers do not apply offers retroactively.

How we make money

Some portal links and card application links pay us a commission at no cost to you; application links are marked as advertiser links. Most links, including every card-linked issuer offer, pay nothing. The site also sells a paid developer API tier. Ranking never reads any of this: the order is computed from the reward and your spend amount, and there is no paid placement.

Questions

What is GetCurrentOffer?

GetCurrentOffer is a free search tool for one question: which offer saves you the most at the store you are about to buy from. Search a store and it shows every card-linked offer and cashback rate it knows about for that store, ranked by the dollars you would actually get back. It is not a coupon site and it does not sell anything.

What does it compare?

Two kinds of offer. Card-linked offers (Amex Offers, Chase Offers, Citi Merchant Offers, Capital One Offers) are added to a specific card in the issuer’s app and pay a statement credit after you pay with that card. Shopping-portal and wallet offers (Rakuten, Capital One Shopping, PayPal) pay you for starting the purchase from their site or checking out with their wallet.

Which programs are covered?

Amex Offers, Chase Offers, Citi Merchant Offers, Capital One Offers, PayPal Offers, Rakuten Cash Back. Community members can also share offers they see in their own accounts.

How are offers ranked?

By estimated dollars back at a spend amount, not by the biggest percentage. The default amount is the largest minimum spend among the offers shown, floored at $100, so every threshold offer qualifies. Change the amount and the ranking recalculates. Offers we cannot value in dollars — points, "up to" rates, and text we could not parse — are listed after the ones we can, never flagged as best.

How is the estimated value calculated?

A percentage offer pays rate x spend, capped at any stated maximum reward. A fixed offer pays its amount, and never more than the purchase itself. If your spend is below a stated minimum, the estimate is $0 and the row says what it would take to qualify. Tiered offers ("5% on the first $500") are capped at the tier ceiling. Points and miles are never converted to dollars, because their value depends on how you redeem them.

How often is the information refreshed?

Public listings are re-crawled every morning and the search index rebuilds every ten minutes. Expired offers drop out automatically. Each offer row shows its expiry, and Details shows the date it was listed.