About & disclosure

Independent

3% Watch is an independent project. It is not affiliated with, endorsed by, or sponsored by X Corp., X Payments LLC, Cross River Bank, Visa, Elon Musk, or any card issuer mentioned. "X", "X Money" and other names are trademarks of their owners and are used only to identify the products discussed.

Not financial advice

Everything here, including the calculator, is general information and arithmetic. It isn't financial, tax or legal advice. Terms change. Always read the issuer's current terms before you sign up.

Affiliate disclosure

Some links on this site may become affiliate links, meaning we could earn a commission if you apply through them at no extra cost to you. Affiliate relationships won't affect which products we list, how we rank them, or what the changelog says. Right now, none of the links on this site are affiliate links.

Sources policy

• Every number and every changelog entry links to a source: the issuer's own page wherever possible, archived copies on the Internet Archive's Wayback Machine for past versions, and reputable third-party reporting (e.g. Doctor of Credit, TechCrunch) where needed.
• We never invent a number or date. When we can only pin a change to a window between two archived snapshots, we say so. Unverified items are labeled "unverified" or "partial".
• Pages are re-fetched automatically and compared against stored text snapshots to catch silent edits to terms.
• Found an error? Every entry links to its source, and confirmed errors are fixed and noted in the changelog.

Data last checked: 2026-10-18.