How credit cards actually work

Updated 30 September 2026

The mechanics nobody explains properly. Every answer here is measured across the offers we track rather than asserted, so you can see how common each rule actually is.

How credit card reward caps actually workA cap is the ceiling on what an offer pays out, and it matters more than the rate.Do credit card reward points expire?Usually yes.Fuel surcharge waiver, explained properlyA fuel surcharge waiver removes a fee, it does not pay you anything.How long a credit card offer actually lastsIt depends entirely on who published the offer.How to read a credit card offer before you payMost disappointment with credit card offers comes from six conditions that are published but not prominent.Minimum order value: the condition that quietly kills the discountA minimum order value is the spend below which an offer pays nothing.When paying online or offline changes your rateMany offers apply only to one channel, and the published terms say so.Why the payment route decides whether an offer firesAn offer can depend not on what you buy but on how the payment is routed.The spends that earn nothingRewards are not paid on every rupee.What a credit card reward point is actually worthThere is no single answer, and anyone who gives you one is guessing.

Offers by merchant Offers by category Offers by card network

Offer counts are the number of distinct live offers on each page, rebuilt nightly. Last rebuilt 30 September 2026.

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