Why Trust Loyalty Concierge
This page explains how Loyalty Concierge makes recommendations, keeps card information current, and operates as a business.
We explain how we reach every recommendation, in plain language.
We work to keep card and program information current, and correct errors quickly.
We ask only for what is needed and never require a connection to your bank.
Recommendations reflect what is best for you — not what pays us the most.
We refine our data, reasoning, and product based on member feedback.
Our Recommendation Principles
What guides every recommendation surfaced by Loyalty Concierge.
- We maximize the value of the cards you already own before recommending new ones.
- Every recommendation is personalized to the information you share with us.
- Affiliate relationships never determine how recommendations are ranked.
- If your existing wallet is already optimal, we will tell you — no move is a valid move.
- Recommendations are educational information, not financial, legal, or tax advice.
How We Verify Card Information
Card information is reviewed using a combination of official and human sources.
- We roll out a rigorous two-step verification process: every fact is independently checked by two separate research passes, then confirmed by a human reviewer before it is published.
- It covers annual fees, category earn rates, and welcome offers — the live count of verified cards is shown below, straight from our database.
- We are actively expanding two-step verification to the rest of the catalog.
- For cards not yet covered by this process, data comes from official issuer sources and is corrected quickly when members report an issue.
in our database are fully verified as of October 23, 2026. This number is read live from our verification records each time this page loads — it is not a hand-written claim.
We do not claim that every card is always perfectly up to date. Card programs change regularly, and maintaining accuracy across the Canadian market is an ongoing process. When something looks wrong, please tell us — corrections make the product better for everyone.
Our Data Standards
The internal standards we hold our card database and recommendations to.
- Two-step verification is the new standard for our card knowledge base.
- Official issuer information is prioritized whenever available.
- Members can report inaccuracies directly from any card recommendation.
- Reported corrections are reviewed and incorporated as appropriate.
- Our card database improves continuously over time.
Card Data Changelog
Every correction we make to a card's verified facts, logged with a date.
- BMO CashBack World Elite MastercardAug 23, 2026
Annual fee corrected from $0.00/yr to $139.00/yr
- Neo World Elite MastercardAug 22, 2026
Earn rate — groceries corrected from 1.x to 5.x
- Neo World Elite MastercardAug 22, 2026
Earn rate — groceries corrected from 5.x to 1.x
- RBC ION+ VisaAug 22, 2026
Earn rate — gas corrected from 3.x to 1.5x
- RBC ION+ VisaAug 22, 2026
Earn rate — streaming corrected from 1.5x to 3.x
Entries are recorded automatically whenever a verified fee or earn rate changes in our database. See the full changelog.
Privacy
A short, plain-language summary. The full policy has the details.
What we collect. The cards you carry, your goals, roughly where you spend, and account basics like your email address.
Why we collect it. To personalize recommendations and improve the product for members like you.
How it is used. Only to power Loyalty Concierge. We do not sell your information.
You stay in control. You can update or remove your information at any time.
Read the full Privacy Policy.
Security
Security measures currently in place at Loyalty Concierge.
- Secure authentication for member accounts.
- Encrypted connections (HTTPS) across the entire platform.
- Responsible handling of the personal information you share with us.
We only describe protections that actually exist today. As our security program matures, we will update this section accordingly.
Affiliate Transparency
How we think about affiliate relationships — and what they never do.
- Some recommendations may include affiliate links to card issuers.
- Members never pay additional fees when using an affiliate link.
- Affiliate relationships never determine how recommendations are ranked.
- We recommend what is best for the member — even when that means recommending no new card at all.
See our Affiliate Disclosure for the full policy.
Corrections & Feedback
If something looks wrong, please tell us. Corrections make the product better for every member.
- Incorrect card information (rewards rates, categories, benefits)
- Outdated welcome offers or bonuses
- Incorrect annual fees
- Broken links
- Any other inaccuracy you spot
Every card recommendation across Loyalty Concierge includes a Report an Issue link. You can also use the general form below, or email us directly at support@loyaltyconcierge.ca.
Our Product Roadmap
A high-level view of what's shipped, what's underway, and what's next.
- Two-step verification pipeline built and live for our first card set
- Public changelog of card data corrections
- Public card verification status table
- Wallet IQ scoring for every merchant and category
- Rewards Audit that works before signup
- Card Trust Framework with verification metadata and member reporting
- Data Health dashboard for internal review
- Deeper personalization for goals and shopping habits
- Expanded coverage of Canadian rewards programs
- Improved sourcing metadata on card recommendations
- Platform status page
- Published recommendation methodology
Roadmap is informational and reflects current plans. Timelines may change as we learn more from members.
Frequently Asked Questions
How are recommendations created?＋
Recommendations start with the cards you already own. We score how well your wallet earns for your actual spending, then evaluate whether a change — reallocating spend, adjusting a redemption, or considering a new card — would produce meaningfully more value. Rankings are driven by expected value to you, not by affiliate relationships.
Do I need to connect my bank account?＋
No. Loyalty Concierge never connects to your bank and never sees your transactions. You tell us which cards you carry and roughly where you spend — that is enough for us to help.
How often is card information updated?＋
Card information covered by our two-step verification process is checked by two independent research passes and confirmed by a human reviewer before publishing. We're actively expanding that process to the rest of our catalog — for cards not yet covered, we prioritize official issuer sources and correct issues quickly when members report them.
How does Loyalty Concierge make money?＋
The product is free during beta. Over time, some links may become affiliate links — meaning we may earn a commission when you are approved for a product. Members never pay more, and affiliate relationships never determine rankings.
Can I update my Wallet IQ?＋
Yes. You can add, remove, and reorder cards in your wallet at any time, and update your goals and spending. Recommendations refresh whenever your inputs change.
Why might recommendations change over time?＋
Card benefits change, your spending changes, and our data quality improves. When any of those shift, recommendations should reflect the new reality. We would rather update our advice than leave you with a stale answer.
Do you use AI to build Loyalty Concierge?＋
Yes. AI tools are part of how we build and maintain the site and product. What we don't do is let AI generate card facts and publish them unchecked. Every fee, earn rate, welcome offer, and transfer ratio in our database has a verification status and a source, and only facts marked verified are presented as fact elsewhere in the product. If something isn't verified yet, we say so, you'll see it marked as unverified or pending review rather than presented as confirmed.
Our Commitment to Continuous Improvement
Loyalty Concierge is a living product. It will keep improving as loyalty programs evolve, financial products change, and members share feedback.
- Loyalty programs and credit card offerings change frequently.
- We regularly review and improve our card database and recommendations.
- We welcome member feedback and corrections — they meaningfully improve the product.
- If we make a mistake, we want to know so we can correct it.
- Transparency and continuous improvement are core principles of Loyalty Concierge.
Have a suggestion or a correction? Email support@loyaltyconcierge.ca.