Terms of Service

1. Acceptance of Terms

By accessing this website (The Site), you agree to be bound by these Terms of Service (Terms). If you do not agree, do not use the Site.

The Site is operated by us (We, US, Our), the legal entity behind the platform. In different markets, the Site may operate under region-specific trading names. Regardless of the trading name displayed in your jurisdiction, these Terms apply, and the operating entity remains the contracting party.

2. Description of Service

We provide market-aware comparisons of credit, debit, and prepaid cards, a discovery quiz, card calculators, and educational content (the Services). The Services are informational only. We do not provide financial, credit, legal, or tax advice. No content on the Site constitutes a recommendation to apply for or use any particular card or financial product.

We do not issue cards, extend credit, hold deposits, or process payments. All cards are issued and all accounts are provided by third-party issuers subject to their own terms and regulatory obligations.

3. Eligibility

You must be at least 18 years old to use the Services. By using the Site, you represent that you are of legal age to form a binding contract in your jurisdiction.

4. No Financial Advice

All content on the Site is published for general information and educational purposes only. It does not take into account your personal financial situation, objectives, or creditworthiness. Before applying for any card, you should read the issuer's terms, fee schedule, and key information documents, and consider whether the card suits your needs.

Approval, credit limits, APR, and the rewards and perks you receive are determined by the issuer and may differ from the illustrative figures shown on the Site.

5. Card Information and Rankings

Our methodology scores cards using publicly available data including issuer disclosures, published fee schedules, APR and rewards terms, and product features. Scores and rankings are opinions based on our methodology and are not endorsements, certifications, or guarantees of card quality, suitability, or approval.

We display both sponsored and non-sponsored cards. Sponsored placements are clearly identified with a Sponsored See our Affiliate Disclosure for more detail.

Card availability varies by country and by issuer eligibility rules. A card appearing in your market's comparison does not guarantee that you will be approved or that its terms are available to you. Always confirm the current terms with the issuer before you apply.

6. Advertising and Ad Placements

We generate revenue through two types of commercial placements, both clearly disclosed on the Site:

Sponsored card placements

Issuers may pay to appear in prominent, labelled Sponsored Positions appear on comparison pages, category hubs, quiz results, and the homepage. Sponsored placements are visually distinct from organic results.

Display advertisements

We display advertisements on certain pages of the Site. Ad placements are served on a per-market and per-language basis and are visually distinct from editorial content.

7. Third-Party Links

The Site contains links to third-party websites, including issuer websites, regulators, and other resources. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites.

8. Affiliate Links and Compensation

We may receive compensation from issuers when you click on certain links or are approved for a card. This compensation comes at no additional cost to you. For full details, see our Affiliate Disclosure page.

9. Intellectual Property

All content on the Site is our property or the property of our licensors and is protected by applicable intellectual property laws. You may view, download, and print Content solely for personal, non-commercial purposes.

Card and issuer logos and brand names displayed on the Site are trademarks of their respective owners. Display of an issuer's logo does not imply endorsement by that issuer.

10. User Conduct

You agree not to:

• Do not use the Site for any unlawful purpose or in violation of these Terms.
• Attempting to disrupt the normal operation of the Site;
• Do not misrepresent your identity, location, or eligibility when using the quiz or other interactive features.
• Do not republish, resell, or redistribute our data, scores, or rankings without written permission.

11. Disclaimer of Warranties

The Site and Services are provided "as is" and "as available" without warranties of any kind, either express or implied.

12. Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Site or Services.

13. Credit and Cost Warnings

Borrowing on a credit card costs money. If you do not repay your balance 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.

Fees, APR, credit limits, rewards, and welcome-bonus terms shown on the Site are illustrative and set by the issuer. They may change without notice and depend on your individual circumstances. Always confirm the current terms with the issuer before you apply.

Prepaid and debit cards do not provide credit, but may carry their own fees - such as monthly maintenance, reload, ATM, or foreign-transaction charges. Read the fee schedule before you choose a card.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the European Union member state in which we are established. For consumers residing in the EU, this choice of law does not deprive you of the protection afforded by mandatory provisions of the law of your country of residence.

16. Contact

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