Terms of Service

Effective date: March 1, 2026 — Last updated: March 1, 2026

Acceptance of Terms

By accessing and using CardCompare ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site. We reserve the right to update these terms at any time, and continued use constitutes acceptance of any changes.

Description of Service

CardCompare is a free credit card comparison and education platform. We provide:

•Side-by-side credit card comparisons with editorial scores

•Rewards calculators, quiz tools, and card recommendation engines

•Educational guides and blog content about credit cards and personal finance

•User reviews and community discussion features

CardCompare is not a financial advisor, bank, or credit card issuer. We do not offer credit, process applications, or make lending decisions.

Accuracy of Information

We make every effort to ensure that card details — including rewards rates, annual fees, sign-up bonuses, and APRs — are accurate and up to date. However, credit card terms change frequently, and there may be a delay between when an issuer updates its offer and when our site reflects the change.

Always verify current terms directly with the card issuer before applying. CardCompare is not responsible for discrepancies between our listings and the issuer's current offer.

Affiliate Relationships

CardCompare earns compensation when users apply for credit cards through our affiliate links and are approved. This is how we fund the site and keep it free for users.

Our editorial rankings and scores are determined independently of our affiliate partnerships. Compensation does not influence which cards are recommended, their ranking position, or their editorial score. Our full methodology is published on our How We Rank page.

User Accounts and Data

CardCompare does not require user registration. Tools like the wallet tracker, favorites, and quiz results are stored locally in your browser using localStorage. This data is not transmitted to our servers and can be cleared at any time through your browser settings.

If you subscribe to our email newsletter, you can unsubscribe at any time using the link provided in each email.

User Reviews

Users may submit reviews of credit cards through the Site. By submitting a review, you agree that:

•Your review is based on your genuine experience with the card

•You will not include false, misleading, or defamatory content

•You will not include personal information of third parties

•CardCompare may display, edit for clarity, or remove your review at our discretion

We reserve the right to remove reviews that violate these guidelines or appear to be spam.

Intellectual Property

All content on CardCompare — including text, graphics, logos, tools, and software — is the property of CardCompare or its content suppliers and is protected by copyright law. You may not reproduce, distribute, or create derivative works from our content without written permission.

Credit card names, logos, and trademarks belong to their respective issuers and are used on this site for identification purposes only.

Limitation of Liability

CardCompare is provided "as is" without warranties of any kind, either express or implied. To the fullest extent permitted by law:

•We are not liable for any financial losses resulting from credit card applications, rewards calculations, or recommendations provided on the Site

•We are not responsible for the content, policies, or practices of card issuer websites you visit through our links

•We do not guarantee the accuracy, completeness, or timeliness of any information on the Site

•Our total liability for any claim related to the Site shall not exceed $100

Prohibited Uses

You agree not to:

•Use the Site to scrape, crawl, or systematically download card data for commercial purposes

•Attempt to reverse engineer, decompile, or circumvent any security features of the Site

•Submit false reviews or manipulate user-generated content

•Use the Site in any way that violates applicable laws or regulations

•Impersonate any person or entity in connection with your use of the Site

Governing Law

These Terms are governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of CardCompare shall be resolved through binding arbitration in accordance with applicable rules, unless otherwise required by law.

Contact

For questions about these Terms of Service, contact us at [email protected].