Terms of Service & Financial Disclaimer
Effective Date: August 11, 2026
Card Recommendation Engine is an informational calculation tool provided for educational and estimation purposes only. Content and calculations on this website do not constitute formal financial, investment, legal, or credit advice. Credit card terms, annual fees, APRs, and sign-up bonuses are set exclusively by card issuers (such as Chase, American Express, Capital One, Citi) and are subject to change without notice. Always verify official issuer terms before submitting an application.
1. Agreement to Terms
By accessing or using Card Recommendation Engine (cardrecommendation.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services or calculation tools.
2. Estimations & Algorithm Limits
Calculated Net ROI values are estimations derived from user spending inputs, standardized point valuations, and current published card offer terms. Actual reward values earned depend on individual approval, card issuer terms, statement credit fulfillment, and personal redemption habits.
3. Issuer Affiliations & Third-Party Links
Card Recommendation Engine provides links to third-party card issuer application portals. We do not control and are not responsible for third-party privacy policies, issuer underwriting decisions, or changes to credit card offer terms.
4. Intellectual Property
All original algorithms, text, graphic layouts, visual design systems, and code trademarks on cardrecommendation.com are the property of Card Recommendation Engine. Third-party brand names, logos, and trademarks (e.g., Chase, Amex, Citi) belong to their respective corporate owners.
5. Contact Information
If you have questions regarding these Terms of Service, please contact our compliance department at legal@cardrecommendation.com.