CardPortfolio provides general informational and comparison content about credit cards. It is not a licensed financial advisor, and nothing on this site constitutes personalized financial, legal, or tax advice. Consult a licensed financial advisor for advice specific to your situation before making financial decisions.
Matching a card's stated criteria on this site does not guarantee credit approval. Approval decisions are made entirely by the card issuer, based on factors this site cannot see or evaluate, including your full credit history and the issuer's own internal criteria.
Card terms, fees, rewards rates, and signup bonuses change over time. This site aims to keep card information current and shows a "last verified" date on each card's page, but this information may not reflect the most recent changes made by the issuer. Always confirm current terms directly on the issuer's official website before applying for any card.
Recommendation explanations on this site are generated using artificial intelligence, based on the numerical calculations shown alongside them. While the underlying math is calculated using fixed, deterministic rules, the written explanations are AI-generated and may occasionally be imprecise. Always verify the actual figures shown (fees, rates, estimated value) rather than relying solely on the written explanation.
CardPortfolio may receive compensation from some card issuers when a customer applies for a card through a link on this site. This compensation does not influence which cards appear in our database or how they are scored in any recommendation - our matching logic is based solely on the rewards structure, fees, and rules shown on each card's own page. Apply Now links are currently plain, non-affiliate links directly to the issuer - some may become affiliate-tracked links in the future.
Dollar-value estimates shown on this site (such as projected annual value) are calculated based on spending information you provide and are estimates only. Actual value earned will depend on your real spending patterns, how you use the card, and terms set by the issuer, and may differ from any estimate shown.
Using this site, including the quiz, chat assistant, or any recommendation feature, does not create a financial advisory, fiduciary, or other professional relationship between you and CardPortfolio.
CardPortfolio is not responsible for financial outcomes resulting from decisions made using information on this site, including but not limited to card applications, purchases, or account management decisions.
This site contains links to third-party websites, including card issuers and partners. CardPortfolio is not responsible for the content, accuracy, or practices of any third-party website linked from this site.
CardPortfolio Premium is $9.99/month and renews automatically until canceled. Cancel anytime from your account page - you'll keep access through the end of your current billing period, and there are no refunds for partial months. This same notice is shown before checkout on the pricing page.
This site is not a bank, credit union, or card issuer, and is not affiliated with any card issuer named on this site except as disclosed above. All card names and issuer names are used for identification purposes only.