Important: CardCompass is an informational and comparison service. We are not a financial advisor, bank, or credit card issuer. Nothing on this site constitutes financial advice. Always consult a qualified financial professional before making credit decisions.
1. Acceptance of Terms
By accessing or using CardCompass (cardcompass.io), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our service.
We reserve the right to modify these terms at any time. Continued use of CardCompass after changes are posted constitutes acceptance of the revised terms.
2. Description of Service
CardCompass provides an informational platform for comparing credit card products. Our services include:
- Credit card comparison tables with editorial ratings
- A personalized card-matching quiz based on self-reported spending habits
- Educational content about credit card rewards, points, and cash back strategies
- Links to apply for credit cards via affiliate partners
- A newsletter with credit card news and deal alerts (opt-in only)
3. Not Financial Advice
CardCompass does not provide financial, legal, tax, or investment advice. The information on this site is for general informational and educational purposes only.
The card quiz results, projected earnings estimates, and editorial rankings are tools to help you research options — they are not personalized financial advice tailored to your complete financial situation. The projected yearly earnings shown are estimates based on general spending patterns and should not be relied upon as guarantees of actual rewards you will earn.
We strongly encourage you to consult a qualified financial advisor before making significant credit decisions.
4. Accuracy of Information
Credit card terms — including annual fees, sign-up bonuses, rewards rates, APR ranges, and eligibility requirements — change frequently at card issuers' discretion without notice to us. While we work to keep our information current and accurate, we cannot guarantee that all information is up to date at the moment you read it.
Always verify current terms directly with the card issuer before applying. CardCompass is not responsible for any inaccuracies in card terms or for actions you take based on information that was accurate when published but has since changed.
5. Affiliate Links & Compensation
When you click "Apply Now" and apply for a credit card through our site, we may earn a commission from the card issuer. This compensation arrangement is described in detail in our Advertiser DisclosureHow We Rate Cards.
By clicking an "Apply Now" link, you are leaving CardCompass and entering the card issuer's website. That transaction is governed solely by the issuer's terms and conditions. CardCompass is not a party to any credit card agreement between you and a card issuer.
6. Card Approval
CardCompass does not guarantee that you will be approved for any credit card you apply for through our site. Approval decisions are made solely by the card issuer based on their criteria, which may include your credit score, income, existing debt, and other factors. Applying for a credit card may affect your credit score.
7. User Conduct
You agree not to:
- Use CardCompass for any unlawful purpose
- Attempt to gain unauthorized access to any part of our service or infrastructure
- Use automated bots, scrapers, or other tools to extract data from CardCompass without permission
- Interfere with or disrupt our services or servers
- Submit false information through our forms
8. Intellectual Property
All content on CardCompass — including text, ratings, scores, graphics, and the CardCompass brand — is owned by CardCompass, Inc. or licensed to us. You may not reproduce, distribute, or create derivative works without our prior written permission.
Credit card names, logos, and trademarks belong to their respective issuers. CardCompass is not affiliated with, endorsed by, or officially connected to Chase, American Express, Capital One, Citi, Discover, or any other card issuer unless explicitly stated.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARDCOMPASS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE, CARDCOMPASS — INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST DATA, OR CREDIT APPLICATION DECISIONS.
Our total liability to you for any claim arising out of your use of CardCompass shall not exceed $100.
10. Disclaimers
CARDCOMPASS IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES.
11. Governing Law
These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Delaware.
12. Contact
For questions about these Terms, contact us at help@cardcompass.app.