Terms of Use

1. Acceptance of Terms

By accessing or using CardBonusTracker (the "Site") at card-bonus-tracker.vercel.app, you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site. We reserve the right to modify these terms at any time; continued use of the Site constitutes acceptance of any changes.

2. Accuracy of Information

All bonus information, annual fees, minimum spend requirements, and card details displayed on this Site are sourced from publicly available information including card issuer websites, press releases, and publicly accessible promotional materials.

Card terms can change at any time without notice. Sign-up bonuses, welcome offers, annual fees, interest rates, and other card terms are subject to change or withdrawal by the issuer at any time. A bonus that was available when you viewed this Site may no longer be available when you apply.

Always verify the current offer directly on the card issuer's official website before submitting an application. CardBonusTracker makes no warranty, express or implied, regarding the accuracy, completeness, or timeliness of any information on this Site.

3. Not Financial Advice

Nothing on this Site constitutes financial, investment, tax, or legal advice. The information provided is for general informational and comparison purposes only. CardBonusTracker does not recommend any specific credit card, issuer, or financial product for your individual circumstances.

Credit card applications affect your credit score. Opening multiple cards in a short period can negatively impact your creditworthiness. Carrying a balance on any credit card will result in interest charges that can far exceed the value of any sign-up bonus. Consult a licensed financial advisor before making significant financial decisions.

4. Affiliate & Referral Compensation

CardBonusTracker participates in affiliate and referral programs with some card issuers and comparison networks. We may receive compensation when you click a link and apply for a credit card through this Site. This compensation may influence which cards we display prominently or feature, but does not affect our editorial assessments of bonus value or card quality.

Affiliate relationships are disclosed on the relevant pages. The fact that we may receive compensation does not mean we endorse or recommend any particular card or issuer above all others for your specific needs.

5. No Affiliation with Issuers

CardBonusTracker is an independent comparison service. We are not affiliated with, endorsed by, sponsored by, or in any way officially connected to Chase, American Express, Citi, Capital One, Discover, Bank of America, Wells Fargo, Barclays, or any other bank, credit card issuer, payment network, or financial institution. All product names, logos, and brands are the property of their respective owners.

6. Limitation of Liability

To the fullest extent permitted by law, CardBonusTracker, its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from: (a) your use of or reliance on any information on this Site; (b) any inaccuracy or omission in card offer data; (c) your application for or use of any credit card product; or (d) any decision made based on information found on this Site. Your use of the Site is entirely at your own risk.

7. Intellectual Property

All original content on this Site — including text, design, graphics, and code — is the property of CardBonusTracker and protected by applicable copyright law. Card names, issuer trademarks, and network logos are the property of their respective owners and are referenced for identification and comparison purposes only. You may not reproduce, distribute, or create derivative works from Site content without prior written permission.

8. Third-Party Links

This Site contains links to third-party websites, including card issuer application pages, affiliate networks, and informational resources. These links are provided for convenience. CardBonusTracker has no control over the content or practices of third-party sites and accepts no responsibility for them. Visiting third-party sites is at your own risk.

9. Governing Law

These Terms of Use are governed by the laws of the United States. Any disputes arising from your use of the Site shall be subject to the exclusive jurisdiction of the appropriate courts.

10. Contact

Questions about these Terms of Use? Contact us at legal@cardbonustracker.com.