Terms of Service
Terms and conditions for using CardRewards.ai.
Last updated: March 29, 2026
1. Acceptance of Terms
By accessing or using CardRewards.ai (the "Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.
2. Description of Service
CardRewards.ai is a free credit card comparison and recommendation engine. We analyze publicly available credit card data — including earn rates, annual fees, welcome offers, benefits, and transfer partner valuations — to help you identify which cards may provide the most value based on your spending patterns.
3. Not Financial Advice
The information provided by CardRewards.ai is for educational and informational purposes only. We are not financial advisors, and nothing on this site constitutes financial, investment, tax, or legal advice.
Credit card recommendations are generated algorithmically based on the spending categories and amounts you provide. Actual rewards, benefits, and terms are determined by the card issuer and may differ from what is displayed. Always review the issuer's official terms before applying for any credit card.
Applying for credit cards may affect your credit score. We encourage you to consider your own financial situation before applying.
4. Accuracy of Information
We make reasonable efforts to keep credit card data accurate and up-to-date. However, card issuers may change terms, rates, benefits, or availability at any time without notice to us. We do not guarantee the accuracy, completeness, or timeliness of any information on the Service.
If you notice incorrect information, please let us know and we will review and correct it.
5. User Accounts
Some features of the Service may require creating an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to notify us immediately of any unauthorized access.
We reserve the right to suspend or terminate accounts that violate these terms or are used for fraudulent purposes.
6. Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose or in violation of applicable laws.
- Scrape, crawl, or use automated means to access the Service in a way that places excessive load on our infrastructure.
- Attempt to gain unauthorized access to any part of the Service or its underlying systems.
- Reproduce, redistribute, or commercially exploit our content, data, or recommendations without written permission.
- Impersonate any person or entity, or misrepresent your affiliation.
7. Intellectual Property
All content on CardRewards.ai — including text, graphics, logos, algorithms, and software — is owned by or licensed to us and is protected by copyright and other intellectual property laws. Credit card names, logos, and trademarks are the property of their respective issuers.
8. Third-Party Links and Content
The Service may contain links to third-party websites, including card issuer pages, review sites, and YouTube videos. We are not responsible for the content, accuracy, or practices of third-party sites. Visiting these sites is at your own risk.
9. Affiliate Disclosure
CardRewards.ai may participate in affiliate programs with credit card issuers in the future. If and when we do, affiliate relationships will not influence our card rankings or recommendation algorithm. Rankings are determined by our scoring formula, not by compensation. Any affiliate relationships will be clearly disclosed on the relevant pages.
10. Limitation of Liability
To the fullest extent permitted by law, CardRewards.ai and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to:
- Decisions made based on recommendations or information on the Service.
- Loss of data, profits, or goodwill.
- Errors, inaccuracies, or omissions in credit card data.
- Service interruptions or unavailability.
The Service is provided "as is" and "as available" without warranties of any kind, express or implied.
11. Indemnification
You agree to indemnify and hold harmless CardRewards.ai and its operators from any claims, damages, or expenses arising from your use of the Service or violation of these terms.
12. Changes to Terms
We may update these Terms of Service at any time. Material changes will be posted on this page with a revised date. Continued use of the Service after changes constitutes acceptance of the updated terms.
13. Governing Law
These terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in Texas.
14. Contact
Questions about these terms? Contact us at:
- Email: legal@cardrewards.ai
- Contact form: cardrewards.ai/contact