Terms of Use

1. Acceptance

By using Credit Card Cafe, you agree to these terms. If you do not agree, please do not use the platform. These terms apply to all visitors, registered users, and anyone who accesses any part of the service.

2. What Credit Card Cafe Is

Credit Card Cafe is an informational and organizational tool for credit card research. It helps you compare cards, track your wallet, and estimate rewards. It is not a financial institution, credit provider, or financial advisor.

Nothing on this platform constitutes financial, legal, or tax advice. Card information — including rates, fees, and rewards — is provided for informational purposes only and may not reflect the most current terms from issuers. Always verify details directly with the card issuer before applying.

3. Your Account

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must be at least 18 years old to create an account. Provide accurate information — accounts created with false information may be removed.

4. Acceptable Use

You agree not to:

• Use the platform for any unlawful purpose.
• Attempt to gain unauthorized access to any part of the service or its underlying infrastructure.
• Scrape, crawl, or systematically extract data from the platform without written permission.
• Submit false, misleading, or malicious content through any reporting or feedback feature.
• Impersonate any person or entity.

5. Accuracy of Card Data

We make every effort to keep card information accurate and up to date. However, credit card terms change frequently, and we cannot guarantee that all information on the platform is current or error-free. Credit Card Cafe is not liable for decisions made based on information found here.

6. Affiliate Disclosure

Credit Card Cafe may display links to card application pages. Some of these links may be affiliate links, meaning we receive a commission if you apply and are approved. This does not affect our rankings or recommendations — cards are evaluated independently of affiliate relationships.

7. Intellectual Property

All content, design, and code on this platform is owned by Credit Card Cafe unless otherwise noted. You may not reproduce, distribute, or create derivative works without explicit written permission.

8. Limitation of Liability

To the fullest extent permitted by law, Credit Card Cafe and its operators are not liable for any indirect, incidental, or consequential damages arising from your use of the platform, including financial decisions made based on information found here.

9. Changes to These Terms

We may update these terms from time to time. Continued use of the platform after changes are posted constitutes acceptance of the updated terms. The "last updated" date at the top of this page will reflect any changes.

10. Contact

Questions about these terms? Reach out at hello@creditcardcafe.com.