United States coverage
What exists today, what is being built, what waits on a partner
Nothing on this page is a coverage claim. There are no United States card offers in the catalogue, so there is nothing here to rank and nothing to apply for. When that changes, it will change because verified issuer terms arrived, and the verification method below is the one they will pass through.
Skarp is a month you plan, then optional card ranking on those lines using terms taken from issuer documents. The Canadian month is live. The United States catalogue is not, and this page says plainly what exists today, what is being built, and what cannot move until a partner signs.
Where each capability stands
The month
Public rates
Card catalogue
Ranking
Applications and referral
What Skarp is building for the United States
Leftover first
Take-home, the lines you spend on, and what the month should save. The leftover is the figure on screen. Ranking waits until those lines exist, and until this market has verified terms to rank against.
Then cards, on those lines
When a catalogue is live, every card is scored on what it returns for the spending you typed, minus the fee. Two readers with different lines get different orders, because they should.
Terms taken from issuer documents
Every published term carries the document it came from, when we retrieved it, the effective date the issuer assigned to it, and the text that was served. A term we cannot verify is not shown.
Paid by referral, and it says so
Readers pay nothing. The model is a referral fee from the issuer, disclosed next to the ranking rather than in a policy nobody opens. No United States issuer arrangement is in place yet, so nothing on this market pays us today.
Compensation is not an input to the ranking
The ordering logic is published so the claim can be checked instead of trusted. A card that pays us nothing is ordered by the same arithmetic as one that pays.
Coverage and partnerships in preparation
There are no United States card offers in the catalogue. Issuer agreements and verified current terms are what stand between this page and a ranking, and both are in progress.
How a card gets onto the list
01
Terms are captured with their source
An issuer document is read, each material term is recorded with its provenance, and the record enters as a draft. No automated job can publish it.
02
A reviewer checks it against the document
A named person compares the draft to the issuer's own page and approves or rejects it. The decision is recorded.
03
The engine scores it, and nothing else does
Ranking is arithmetic over verified terms and your declared spending. Compensation, partnership status, and editorial opinion are not inputs.
How card terms are verified
A term enters as a draft, never as a published value, and an automated job cannot promote it. Each material term carries four provenance fields: the exact request or document URL, the time we retrieved it, the effective date the source itself assigns, and the served text. The effective date is the one that matters, because a source can publish late and a retrieval time alone would make a stale figure look current. A reviewer compares the draft against the issuer's own document before anything is published, and the publication is recorded against a named person.
Public federal datasets assist discovery and reconciliation. They do not become terms. A twice yearly survey cannot tell a reader what a card charges today, and we do not let it try.
How the ranking will work
One number per card: what the card returns on the spending a reader declares, minus what it costs to hold. Points and miles convert to dollars at a valuation that carries its own source, and a program with no sourced valuation is left out of the ranking rather than given a guess. Where a card's value depends on a cap, a rotating category, or an activation the reader may never perform, the model assumes the reader does not perform it. First year value and ongoing value are reported separately, because a waived first year fee flatters a card exactly once.
A card whose terms we cannot verify is absent from the ranking. It is not shown with a caveat. A hedge in small type is not a defence to a wrong figure in large type.
How Skarp is paid
Readers pay nothing. Revenue comes from referral agreements with issuers, disclosed wherever a recommendation or an apply path appears. Compensation is not an input to the ranking, and the ordering logic is published so the claim can be checked rather than trusted.
The planned issuer handoff
The first United States launch is a referral redirect. A reader compares cards on Skarp, then completes the application on the issuer's own site. Skarp sends no applicant information. What passes is the attribution needed to credit the referral, agreed with the issuer in advance. A secure issuer intake adapter is documented as a later option and is not built.
What is blocked, and on what
- Card offers are blocked on issuer agreements and verified current terms.
- The referral handoff is blocked on a signed destination and agreed permitted claims.
- United States disclosure, privacy, messaging, and licensing positions are blocked on counsel review, and that review is scoped to the actual handoff rather than to a label on a website.
- Some federal data sources are blocked on issued API keys, and one is blocked on a licensing decision about third party series rights.
Issuers and data partners
If you issue cards in the United States, the integration contract sets out what Skarp needs, what it publishes, what it will not claim, and how referral attribution works.
Contact the partnerships teamPut this against your month
What is left to spend this month?
The month works on this market today, in US dollars, in this browser. Nothing here ranks a card or sends you to apply.
No account. Nothing you type is sent to us.