# GetCurrentOffer

> GetCurrentOffer is a free search tool that answers one question: for the store you are about to buy from, what is the best way to save? Search a store and it lists every card offer and cashback rate it knows about for that store, ranked by estimated dollars back at the amount you plan to spend, with what you have to do to get each one.

## What it compares

Three kinds of offer, labeled so they are never confused:

- Card offers — attached by a card issuer to a specific card; you usually activate the offer before you pay and pay with that card. Targeted: an offer may not be in every account. Programs: Amex Offers, Chase Offers, Citi Merchant Offers, Capital One Offers.
- Cashback portals — the portal pays anyone who starts the purchase from its site or extension; the rate is public and any card works. Programs: Rakuten, Capital One Shopping. Capital One Shopping is a different product from Capital One Offers.
- Wallet offers — saved in the wallet and applied at checkout with it. Program: PayPal Offers.
- A user's own synced offers (via the optional Chrome extension) are shown as "Your offer".

## How offers are ranked

- Ranking is by estimated dollars back at a spend amount, not by the largest percentage. The default amount is the largest minimum spend among the offers shown, floored at $100; the user can change it and the ranking recalculates.
- Percentage offers are valued as rate x spend, capped at any stated maximum reward. Fixed-amount offers pay their amount and never more than the purchase. Below a stated minimum spend the estimate is $0. Tiered offers ("5% on the first $500") are capped at the tier ceiling.
- Points, miles and "up to" rates are never converted to dollars and are never labelled best.
- The best-offer label always names the amount it applies to, for example "Best for a $100 purchase". The recommendation is the most valuable offer anyone can use (a public rate, or an offer synced from the user's own account); a card offer that may only be in some accounts stays in the list by value with "Check your account" and appears in the potential stack.
- Rate history: the daily refresh records one observation per offer per day. A rate is rated against the same program's rates at the same store over the past 90 days: Excellent (at least 85% of tracked days were lower and the lift over the median is material), Above usual / Below usual (outside the 25th–75th percentile band), or Typical. Under 7 tracked days only the count is shown; under 14 the observed range without a rating. Ratings describe the past only and are never forecasts.
- Potential stack: when one store has a card offer and a cashback portal that both have a real dollar estimate, the two estimates are shown added together with the steps to use both. It is potential, not guaranteed. Two card offers or two portals are alternatives; wallet offers are never part of a stack.
- Affiliate commissions do not affect ranking, and there is no paid placement.

## Freshness and eligibility

- Every offer shows when it was last verified ("Checked today", "Last verified Sep 6"); details show first-seen and last-verified dates.
- Offers with an expiry date drop out after it passes. Offers without one are retired only after their source has stopped returning them for several days; a refresh that returns far fewer offers than usual is treated as a possible failure, not as the truth.
- Card and wallet offers are targeted: a listing means the offer exists, not that it is in a given account. Users should confirm it in the issuer's app and activate it before paying.

## Monetization

Some portal links and card application links pay GetCurrentOffer a commission at no extra cost to the user; application links are marked as advertiser links. Most links, including every card-linked issuer offer, pay nothing. There is also a paid developer API tier.

## Account

No account is needed to search, compare or open an offer. An account adds saved offers, expiry reminders, and the offers synced from a user's own card accounts via the optional Chrome extension, which reads offers already displayed to the user (with each card's name and last four digits to label them) and never collects full card numbers or passwords.

## Website structure

- Search and results: https://getcurrentoffer.com (results: https://getcurrentoffer.com/?q=nike)
- How ranking works (methodology, valuation formulas, stacking, freshness, monetization): https://getcurrentoffer.com/methodology
- My Offers — offers synced from your own card accounts: https://getcurrentoffer.com/my-offers
- What's new — offers first seen this week, rate increases, expiring soon: https://getcurrentoffer.com/whats-new
- All stores we track, A-Z: https://getcurrentoffer.com/offers/merchant
- Store pages: https://getcurrentoffer.com/offers/merchant/<store-slug>
- Program pages: https://getcurrentoffer.com/offers/issuer/amex, /chase, /citi, /capitalone, /capitaloneshopping, /paypal, /rakuten
- Browse by category: https://getcurrentoffer.com/categories (a category page: /categories/<category-slug>)
- Expiring this week: https://getcurrentoffer.com/offers/expiring-this-week
- Blog: https://getcurrentoffer.com/blog
- Developer API: https://getcurrentoffer.com/docs
- MCP server for AI assistants (no account needed): https://getcurrentoffer.com/mcp (docs: https://getcurrentoffer.com/docs/mcp)
- About: https://getcurrentoffer.com/about

## Contact

- Website: https://getcurrentoffer.com
- Email: contact@getcurrentoffer.com
- Report an incorrect offer: https://getcurrentoffer.com/contact