Which cards CardLab verifies, and where
Last reviewed · the catalog bundle the app ships
CardLab publishes a credit card catalog for a fixed list of markets, and a tracker that works in all 41 of its country presets. Every earn rate and annual fee in the catalog carries three things: a link to the issuer page it was read from, the exact sentence on that page it was read from, and the date it was read. Nothing is estimated, and nothing is rounded up. CardLab takes no commission from any issuer, so the order cards appear in is not for sale.
Markets, exactly as the app ships them
This table is generated from the catalog bundle the iPhone app ships, not written by hand, so it cannot claim a card that is not in the app. A market has a card catalog only when the bundle actually holds cards for it - the same test the app applies before it offers to rank anything.
| Market | Cards | Issuers | Merchant brands | What you get |
|---|---|---|---|---|
| United States | 89 | 7 | 1,481 | Card catalog and tracker |
| Canada | 49 | 5 | 702 | Card catalog and tracker |
| Greece | 28 | 3 | 0 | Card catalog and tracker |
| United Arab Emirates | 26 | 5 | 432 | Card catalog and tracker |
| China | 23 | 3 | 0 | Card catalog and tracker |
| Japan | 21 | 5 | 691 | Card catalog and tracker |
| Australia | 20 | 6 | 503 | Card catalog and tracker |
| France | 19 | 5 | 478 | Card catalog and tracker |
| Indonesia | 19 | 4 | 413 | Card catalog and tracker |
| Saudi Arabia | 19 | 3 | 397 | Card catalog and tracker |
| United Kingdom | 19 | 5 | 745 | Card catalog and tracker |
| Italy | 18 | 7 | 499 | Card catalog and tracker |
| Poland | 18 | 6 | 0 | Card catalog and tracker |
| Spain | 17 | 7 | 523 | Card catalog and tracker |
| the Philippines | 17 | 4 | 438 | Card catalog and tracker |
| Sweden | 16 | 7 | 0 | Card catalog and tracker |
| Switzerland | 16 | 5 | 0 | Card catalog and tracker |
| the Netherlands | 16 | 3 | 0 | Card catalog and tracker |
| Türkiye | 16 | 4 | 0 | Card catalog and tracker |
| Pakistan | 15 | 4 | 0 | Card catalog and tracker |
| South Africa | 15 | 3 | 0 | Card catalog and tracker |
| Mexico | 14 | 3 | 477 | Card catalog and tracker |
| South Korea | 14 | 1 | 0 | Card catalog and tracker |
| Thailand | 14 | 3 | 0 | Card catalog and tracker |
| Norway | 13 | 6 | 0 | Card catalog and tracker |
| New Zealand | 12 | 4 | 0 | Card catalog and tracker |
| Singapore | 12 | 3 | 413 | Card catalog and tracker |
| Hong Kong | 11 | 4 | 0 | Card catalog and tracker |
| Taiwan | 11 | 4 | 0 | Card catalog and tracker |
| Colombia | 10 | 4 | 0 | Card catalog and tracker |
| Germany | 10 | 5 | 596 | Card catalog and tracker |
| India | 10 | 4 | 0 | Card catalog and tracker |
| Malaysia | 10 | 5 | 0 | Card catalog and tracker |
| Vietnam | 10 | 3 | 0 | Card catalog and tracker |
| Ireland | 9 | 2 | 0 | Card catalog and tracker |
| Egypt | 8 | 3 | 0 | Card catalog and tracker |
| Brazil | 6 | 2 | 431 | Card catalog and tracker |
| Argentina | 3 | 1 | 0 | Card catalog and tracker |
| Nigeria | 0 | 0 | 0 | Tracker only |
Generated from the catalog bundle built 2026-09-28 (schema 11). A market appears with a card catalog only when the shipped bundle holds cards for it.
Markets with the tracker only
These markets ship merchant data but no cards yet. The tracker, calendar, interest and payoff simulators all work there, because they compute from the terms you type in yourself. CardLab will not rank cards in a market where it has none.
- Nigeria ships 0 categorized merchants and no cards, so CardLab offers the tracker there and does not rank cards.
How a rate gets published
A rate reaches the app only after it survives four steps. Of the 1,507 rate and fee claims in the catalog shipping today, 1,507 carry all three pieces of evidence, because a claim that carries fewer is rejected by the build rather than shown with a gap.
How CardLab reads issuer pages
CardLab respects robots.txt on every issuer it reads, and treats a disallowed path as genuinely off limits even when the page behind it would be useful. Several cards are missing from this catalog for exactly that reason. This site asks the same courtesy in reverse and grants it first: every major search and AI crawler is allowed here, including the ones that only ground answers rather than send traffic.
What this does not cover
- CardLab does not list every card in any market. It lists the cards whose terms it could verify from the issuer, which is a much smaller number.
- A card being absent is not a judgement about the card. It usually means the issuer's page hedges its rates, or its robots.txt asks crawlers not to read the page that carries them.
- Rates change. Each figure is shown with the date it was read, and a date in the past is a date in the past - check the issuer before you act on it.
- CardLab is educational. It does not give financial advice, and it does not calculate or predict a credit score.
Common questions about CardLab's coverage
Which countries does CardLab support?
CardLab has two layers. The tracker and the interest, grace, statement and payoff simulators work in all 41 of its country presets, because they compute from the card terms you enter yourself. The card catalog, with real issuer rates and fees, covers a shorter list of markets, named individually on this page.
Where do CardLab's credit card rates come from?
From the issuer's own public product page, never from a comparison site. Each rate and annual fee is stored with a link to that page, the verbatim sentence the number was read from, and the date it was read. A figure with no sentence behind it is rejected by the build and never reaches the app.
How current are CardLab's credit card rates?
Every claim carries its own verification date, and the app shows that date beside the number rather than presenting the rate as timeless. The dates covering the catalog currently shipping are stated on this page. Rates can change at any time, so the issuer remains the authority.
Does CardLab list every credit card in a market?
No, and it does not try to. It lists only the cards whose terms could be verified from the issuer directly. Cards are held back when a page hedges its rates, states a figure as a word rather than a number, or keeps its terms behind a path its own robots.txt disallows.
Does CardLab work in a country with no card catalog?
Yes. The tracker, the billing-cycle calendar, the interest and payoff simulators and the currency handling all work from the numbers you type in, so they are not tied to any catalog. What is unavailable there is card ranking, because CardLab will not rank cards it has not verified.