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Credit Card SignUps
Policy

Terms of Use: Card Reviews, Tools and Offer Links

Last updated August 27, 2026

These Terms of Use (the "Terms") are a binding agreement between you and the operator of CreditCardSignups.com ("we", "us" or "our"). They govern your use of CreditCardSignups.com (the "Site"), including every review, rating, ranking, guide, tool and calculator on it. By using the Site you accept these Terms and our Privacy Policy, which is incorporated by reference. If you do not accept them, do not use the Site.

The Terms take effect on August 27, 2026. They contain a binding arbitration provision and a class action waiver. Read the section titled "Dispute resolution and arbitration" before you continue.

Agreement and eligibility

You must be at least 18 years old to use the Site. By using it you represent that you meet that requirement and have the legal capacity to enter into these Terms. If you use the Site for an organization, you represent that you have authority to bind it, and "you" includes the organization.

The Site is published for residents of the United States and covers credit cards offered in the United States. If you access it from elsewhere, you do so on your own initiative and are responsible for compliance with local law.

The Site provides general information only

Everything on the Site is general information. Reviews, ratings, rankings, guides, comparisons and calculator outputs are not financial, legal, tax, investment or credit advice, and none of them take your personal circumstances into account. A rating or ranking is an editorial opinion about a card in general, not a recommendation that you, specifically, should apply.

Using the Site does not create a fiduciary, advisory, professional or client relationship between you and us. Before you apply for any credit product, consider your own situation and, where appropriate, consult a qualified professional. Any decision you make after reading the Site is yours alone.

We are not a card issuer, lender or broker

the operator of CreditCardSignups.com is not a bank, lender, card issuer, credit broker, loan arranger, credit counselor or credit repair organization. We do not accept or forward applications, do not make or influence credit decisions, and never see the information you submit to an issuer. Approval, credit limit and interest rate are decided solely by the issuer under its own criteria. A description of a card on the Site is not an offer of credit from us, and nothing on the Site modifies any agreement between you and an issuer.

Card offers, rates and accuracy

Card offers change. Welcome bonuses, earning rates, annual fees, interest rates, benefits and eligibility rules are set by the issuer, can change at any time without notice, and can differ by applicant, application channel, state of residence and date. We make reasonable efforts to keep the Site accurate and current, but we cannot guarantee that any offer is still available or that every detail is correct at the moment you read it.

Every card surface on the Site shows the date its terms were last checked and links to the issuer's own terms page. The issuer's current terms control in every case, so verify the offer on the issuer's site before you apply. We do not guarantee that you will be approved for any card, that you will receive any bonus, credit limit or rate described on the Site, or that any card will suit you. Bonus eligibility rules, including rules about prior cardholders and application frequency, belong to the issuer and can disqualify an applicant regardless of what the Site says.

Tools and calculators

The calculators and comparison tools produce estimates from the numbers you enter and stated assumptions, and they simplify how rewards, fees and interest work in practice. Actual results depend on factors the tools do not model, including how the issuer categorizes purchases, which redemptions you choose and what they are worth, and changes in your spending. Tool outputs are not guarantees, projections or advice. Do not rely on them as the sole basis for any financial decision, and check any figure that matters to you against the issuer's terms.

Advertising and affiliate relationships

We receive compensation from third-party affiliate and advertising partners when you apply for a card through certain links on the Site and are approved. Compensation may affect which cards we feature, where they appear on a page and the order of featured placements. It does not affect ratings, the content of reviews or whether a card is recommended. Our Advertiser Disclosure and How We Make Money pages describe these relationships and form part of these Terms.

Third-party sites and applications

Offer links and other links lead to websites we do not own or control, including partner and issuer sites. When you click an offer link, a link on our domain records an anonymous click event and then sends you to the partner's or issuer's site. From that point the third party's own terms and privacy policy apply, and we have no responsibility for its content, accuracy, availability, security or practices.

Any application you submit is a transaction between you and the issuer. We are not a party to it and are not responsible for any dispute, loss or claim arising from it, including a declined application, a bonus that is not awarded or a change to the card after you apply. A link to a third-party site is not an endorsement of it.

Intellectual property and limited license

The Site and its content, including text, ratings, rankings, methodology descriptions, graphics, logos, layouts, data compilations and software, are owned by us or our licensors and protected by copyright, trademark and other intellectual property laws. All rights not expressly granted are reserved.

We grant you a limited, revocable, non-exclusive, non-transferable license to access and view the Site for personal, non-commercial use. You may quote brief excerpts with attribution and a link to the source page. You may not otherwise copy, republish, distribute, sell, license, create derivative works from or commercially exploit any part of the Site without our prior written permission.

Trademarks of issuers and rewards programs

Card names, issuer names, payment network names and rewards program names on the Site are trademarks of their respective owners. We use them only to identify and describe the products under review. That use does not imply that any issuer, network or program sponsors, endorses or is affiliated with the Site. The CreditCardSignups.com name and logo are our trademarks and may not be used without our written permission.

Prohibited conduct

You agree that you will not, and will not help anyone else to:

  • Crawl or scrape the Site at a volume or rate that burdens our systems, or extract content or data for republication, resale or a competing product. Ordinary indexing by search engines that honor our published crawl directives is permitted.
  • Generate automated, fraudulent, incentivized or otherwise artificial clicks on offer links, click offer links to generate compensation for anyone, or interfere with the attribution of any click or application.
  • Interfere with or disrupt the Site, its servers or connected networks, or circumvent, disable or probe any security, rate-limiting or access-control feature.
  • Reverse engineer, decompile or disassemble any software that forms part of the Site, except where applicable law prohibits that restriction.
  • Misrepresent your affiliation with us or any issuer, impersonate the Site or its editorial team, or imply that we endorse you or your products.
  • Republish, mirror, frame or redistribute content beyond the license above, remove any copyright or attribution notice, introduce harmful code, or use the Site for any unlawful purpose.

We may investigate suspected violations, block traffic, and cooperate with law enforcement and our partners in doing so.

Submissions you send us

If you send us a correction, comment, suggestion, story pitch or other material (a "Submission"), you agree that it is not confidential and that we have no obligation to respond to it, use it or credit you. You grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce, modify, publish and distribute your Submission for any purpose, including correcting the Site. You represent that you have the right to grant that license and that your Submission does not violate any law or third-party right. Do not send us account numbers, Social Security numbers or other personal financial information.

Copyright complaints

To report content that you believe infringes your copyright, send a notice under the Digital Millennium Copyright Act (17 U.S.C. section 512) to legal@creditcardsignups.com. Your notice must include:

  • A physical or electronic signature of the copyright owner or a person authorized to act for the owner.
  • Identification of the copyrighted work you claim has been infringed.
  • Identification of the material you claim is infringing, including the address of the page on which it appears.
  • Your name, mailing address, telephone number and email address.
  • A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent or the law.
  • A statement, under penalty of perjury, that the notice is accurate and that you are the copyright owner or authorized to act for the owner.

We remove or disable access to material that a valid notice identifies and may terminate the access of repeat infringers. Under section 512(f), a person who knowingly misrepresents that material is infringing may be liable for damages. If you believe material was removed by mistake, you may send a counter-notice meeting the requirements of section 512(g) to the same address.

Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT, TOOLS AND SERVICES MADE AVAILABLE THROUGH IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY CONTENT, RATING, RANKING, RATE, FEE, BONUS OR CALCULATOR OUTPUT IS ACCURATE, COMPLETE, CURRENT OR RELIABLE. NO ADVICE OR INFORMATION OBTAINED FROM US OR THROUGH THE SITE CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE. YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

Limitation of liability

IN NO EVENT, TO THE FULLEST EXTENT PERMITTED BY LAW, WILL THE OPERATOR OF CREDITCARDSIGNUPS.COM, ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, EDITORS, LICENSORS, SERVICE PROVIDERS OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, ANY LOSS OF PROFITS, DATA, GOODWILL OR OPPORTUNITY, OR ANY DENIED APPLICATION, UNAWARDED BONUS, FEE, INTEREST CHARGE OR CHANGE IN CREDIT STANDING, ARISING OUT OF OR RELATING TO THE SITE, ITS CONTENT, ANY TOOL, ANY OFFER LINK OR ANY CARD YOU APPLY FOR AFTER USING THE SITE, UNDER ANY LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF ONE HUNDRED UNITED STATES DOLLARS ($100) OR THE TOTAL AMOUNT YOU PAID US TO USE THE SITE IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE. BECAUSE THE SITE IS FREE, THAT AMOUNT IS ZERO. THESE LIMITATIONS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Some states do not allow the exclusion of certain warranties or the limitation of certain damages. If those laws apply to you, some of the disclaimers and limitations above may not apply, and you may have additional rights. In that case our liability is limited to the greatest extent permitted by law.

Indemnification

You agree to defend, indemnify and hold harmless the operator of CreditCardSignups.com and its owners, officers, employees, contractors, editors and licensors from any claim, loss, liability, damage, cost or expense, including reasonable attorneys' fees, arising out of your use of the Site, your Submissions, your violation of these Terms or of any law, or your infringement of any third-party right. We may assume the exclusive defense of any such matter, and you agree to cooperate.

Dispute resolution and arbitration

This section requires you to resolve most disputes with us through binding individual arbitration rather than in court, and it limits the time you have to bring a claim.

Informal resolution comes first

Before either of us starts an arbitration or lawsuit, the party raising the dispute must send the other a written notice describing the dispute and the relief sought. Send yours to legal@creditcardsignups.com. We send ours to any email address you have used to contact us. Both parties then have 60 days from the notice to try in good faith to resolve the dispute informally, and neither may begin an arbitration or lawsuit before that period ends.

Binding individual arbitration

Any claim, dispute or controversy arising out of or relating to these Terms, the Site, its content or any offer link (a "Dispute") that is not resolved informally will be resolved by binding arbitration on an individual basis. The Federal Arbitration Act governs this section. The arbitration will be administered by the American Arbitration Association under its consumer arbitration rules in effect when the arbitration is filed, as modified by these Terms, before a single neutral arbitrator. The arbitrator, and not any court, decides any question about the interpretation, applicability, enforceability or formation of this agreement to arbitrate, except that a court decides whether the class action waiver below is enforceable. The arbitrator may award the same individual relief a court could, and the award is final and may be entered as a judgment in any court of competent jurisdiction. Fees are allocated as the provider's consumer rules require. Hearings, if any, may be held by telephone, by video, on written submissions, or in the county where you live if you request an in-person hearing.

Small claims court

Either party may instead bring an individual claim in small claims court in the county where you live or in New Jersey, provided the claim qualifies for that court and remains there as an individual claim.

Class action and jury trial waiver

YOU AND WE EACH AGREE THAT ANY DISPUTE WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND WE EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION. If a court finds this waiver unenforceable as to a particular claim, that claim proceeds in court under the "Governing law and venue" section, and the rest of this section continues to apply to all other claims.

Your right to opt out

You may opt out of this arbitration agreement by emailing legal@creditcardsignups.com within 30 days after you first use the Site or, if you used the Site before these Terms took effect, within 30 days after August 27, 2026. State that you are opting out of arbitration and include your name and the email address you send from. Opting out does not affect any other part of these Terms. If we later change this section, you may reject the change the same way within 30 days after it is posted, and the change does not apply to any Dispute for which a notice was sent before it took effect.

Time limit for bringing claims

Any Dispute must be filed within one year after the claim first arises or it is permanently barred. Where applicable law does not permit this limitation, the shortest period the law allows applies instead.

Governing law and venue

These Terms and any Dispute are governed by the laws of the State of New Jersey and the federal laws of the United States, without regard to conflict-of-laws rules, except that the Federal Arbitration Act governs the arbitration provisions. To the extent a Dispute is not subject to arbitration, it will be brought exclusively in the state or federal courts located in New Jersey, and you consent to personal jurisdiction and venue there. Nothing in this section deprives you of any protection under the consumer protection laws of the state where you live that cannot be waived by agreement.

Changes to these Terms

We may revise these Terms by posting an updated version on this page with a new effective date. For a material change we will, where reasonably practical, also post a notice on the Site before it takes effect. Continued use of the Site after the new effective date constitutes acceptance. If you do not agree to a change, stop using the Site. Changes do not apply retroactively to Disputes that arose before they took effect.

Termination

At any time, with or without notice, we may suspend, restrict or terminate your access to all or part of the Site, or discontinue the Site or any feature of it. Provisions that by their nature should survive termination, including the intellectual property, disclaimer, limitation of liability, indemnification, dispute resolution and governing law sections, survive.

General provisions

Severability

If any provision of these Terms is held invalid or unenforceable, it is enforced to the maximum extent permitted and the remaining provisions remain in full force, except as stated in the class action waiver.

No waiver

Our failure to enforce any provision is not a waiver of our right to enforce it later. A waiver is effective only in a writing signed by us.

Assignment

You may not assign these Terms without our prior written consent. We may assign them without restriction, including to a successor in a merger, acquisition, reorganization or sale of assets.

Entire agreement

These Terms, with the Privacy Policy, the Advertiser Disclosure and any other policy posted on the Site and referenced here, are the entire agreement between you and us concerning the Site and supersede any prior understanding. Headings are for convenience only.

Force majeure

We are not liable for any failure or delay caused by events beyond our reasonable control, including natural disasters, acts of government, labor disputes, internet or utility failures, attacks on our systems, or failures of third-party providers.

Electronic communications

You agree that we may communicate with you electronically, by posting notices on the Site or by email to an address you have used to contact us, and that those communications satisfy any legal requirement that a communication be in writing.

Notice to California residents

Under California Civil Code section 1789.3, California residents are entitled to the following information. The Site is provided by the operator of CreditCardSignups.com. You may contact us at legal@creditcardsignups.com. There is no charge for using the Site. To file a complaint or receive further information, contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

Contact

Questions about these Terms go to legal@creditcardsignups.com. Corrections to a review or to a card's terms go to editorial@creditcardsignups.com. Other ways to reach us are on the contact page.