Glossary

The terms AIPromo uses, explained in plain language.

Real final cost: The amount you actually pay after every eligible discount, coupon and payment offer is applied in the correct order. Later rewards are shown separately.
Effective cost: The real final cost minus rewards you will realistically use later. Useful for comparison, not money saved at checkout.
Statement closing date: The day a credit card statement period ends; purchases posted after it move to the next statement.
Payment due date: The last day to pay a credit card statement without late fees.
Posting date: The date a bank records a purchase, which can be later than the purchase date.
Stacking: Combining several offers on one purchase when their conditions allow it.
Sequential discount: A discount applied to the price after a previous discount, so percentages multiply instead of adding.
Minimum spend: The amount a purchase or period must reach before an offer applies.
Reward cap: The maximum reward a campaign pays per customer, card or period.
Cashback: Money credited back after a purchase, usually days or weeks later.
Loyalty points: Program currency earned on purchases and redeemed for products, travel or credit.
Miles: Airline program points used for flights, upgrades and travel benefits.
Point transfer: Moving points from one program to another at a set ratio, often with minimums, fees and delays.
Installment plan: Splitting a purchase into several payments; it changes timing, not the price.
Eligibility: Whether an offer applies to a specific purchase, card, channel and date. AIPromo treats it as yes, no or unknown.
Campaign period: The dates during which a promotion is valid; participation and reward dates can differ.