Disclaimer

1. General Disclaimer

The content on this website is published for general information and educational purposes only. Nothing on this site constitutes financial, credit, legal, or tax advice. You should not act or refrain from acting based on any information on this site without first seeking independent professional advice.

2. AI-generated content

Some content on this website - including, but not limited to, glossary definitions, frequently asked questions, articles, and card summaries - is generated or translated with the assistance of artificial intelligence. Although we review this material, AI-generated content may contain errors, omissions, or information that is out of date. All information on this site is provided for general guidance only and must be independently verified before you rely on it. Always confirm fees, APR, rewards, and other terms directly with the relevant issuer or a qualified professional.

3. Credit and borrowing warning

Borrowing on a credit card costs money. If you carry a balance instead of repaying in full each month, interest is charged at the card's APR and can add up quickly. Missed or late payments may incur fees and can affect your credit record. Only borrow what you can afford to repay, and consider whether a card's interest terms suit how you intend to use it.

4. Fees and charges warning

Cards may carry a range of fees beyond the headline annual fee - including foreign-transaction, ATM and cash-advance, late-payment, over-limit, monthly maintenance, and reload fees. These vary by card and by issuer. Read the full fee schedule before you choose a card so you understand the all-in cost of using it.

5. Rewards and welcome-bonus warning

Rewards rates, caps, redemption values, and welcome-bonus terms are set by the issuer and may change without notice. Welcome bonuses usually require a minimum spend within a set time, and rewards may be worth less than the headline figure once restrictions are applied. Read the full terms before relying on any rewards or bonus when choosing a card.

6. Accuracy of card information

We make reasonable efforts to keep card information on this site accurate and up to date, but we do not guarantee the completeness, accuracy, or timeliness of any information displayed. Card fees, APR, rewards, perks, and eligibility may change without notice. Always verify the current terms directly with the issuer before you apply.

7. Approval and eligibility

Whether you are approved for a card, and the APR, credit limit, rewards, and perks you receive, are determined by the issuer based on your individual circumstances. The figures shown on this site are illustrative and are not an offer, a guarantee of approval, or a guarantee of the terms you will be offered.

8. Tax disclaimer

The tax treatment of any rewards, cashback, or other benefits depends on your individual circumstances and may be subject to change. We do not provide tax advice. You should consult a qualified tax adviser regarding your specific situation.

9. Regulatory disclaimer

Card availability varies by country and by issuer eligibility rules. A card appearing on this site does not guarantee that it is available to you or that you will be approved. Always confirm a card's availability and terms with the issuer before you apply.

10. Changes to this disclaimer

We may update this disclaimer from time to time. Changes will be posted on this page.

11. Contact

For questions about this disclaimer, contact us at [email protected].