Privacy Policy

Last updated: February 26, 2026

Overview

CardOptimizer is a credit card eligibility tool. Eligibility analysis runs entirely in your browser. If you choose to create an account, your profile data is also synced to our cloud database so you can access it across devices. We are committed to protecting your privacy. This policy explains what data we collect, how it is used, and your rights.

Data We Collect

Profile & wallet data

When you use the eligibility checker, you provide information such as the number of cards opened, bonus history, and cards in your wallet. This data is always stored in your browser's localStorage for immediate access. If you are signed in, this data is also synced to our cloud database (hosted on Supabase) so you can access it across devices. You can use the tool without creating an account, in which case your data remains only in your browser.

Account & authentication data

If you create an account, we collect your email address and password (hashed). If you sign in with Google, we receive your name, email address, and profile picture from Google. This information is used solely for authentication and displaying your account identity. Authentication is managed by Supabase Auth.

Email subscription

If you subscribe to updates via our email form, we store your email address in our database. We send two types of emails:

  • Newsletters: Occasional updates with new card recommendations, eligibility tips, and strategy guides. Sent at our discretion (not on a fixed schedule).
  • Card offer alerts: Automated notifications when credit card signup bonuses change significantly or new cards are added. Typically no more than a few times per month.

Every email includes an unsubscribe link. You can unsubscribe at any time with one click. Emails are sent via Resend (which uses Amazon SES for delivery).

Analytics

We use Google Analytics (GA4) to understand how visitors use the site — such as which pages are visited and general traffic patterns. Google Analytics collects anonymized usage data and may set cookies on your device. No personally identifiable profile data is sent to Google Analytics. Analytics is loaded by default. If you prefer not to be tracked, you can install the Google Analytics Opt-out Browser Add-on.

Hosting & server logs

Our hosting provider (Cloudflare) may collect standard server logs (IP address, browser type, pages visited) for operational and security purposes.

Advertising

We use Google AdSense, which may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalized advertising by visiting Google Ads Settings.

How We Use Your Data

  • To evaluate your credit card eligibility based on publicly known issuer rules — all processing happens in your browser.
  • To sync your profile across devices when you are signed in.
  • To send you card offer updates if you subscribe to our email list.
  • To understand site usage patterns through Google Analytics.
  • To display relevant advertisements through Google AdSense.

Cookies

CardOptimizer and the services it integrates may store data on your device:

  • localStorage: Your profile data and Supabase authentication session are stored in your browser's localStorage.
  • Google Analytics cookies: GA4 may set cookies (e.g., _ga, _ga_*) to distinguish unique visitors and track session information.
  • Google AdSense cookies: AdSense may set cookies for personalized advertising purposes.

You can manage cookie preferences through your browser settings. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Data Retention & Deletion

Local data: Your profile data in localStorage remains on your device until you clear it. You can delete it at any time by clearing your browser's localStorage for this site or by using your browser's “Clear site data” feature.

Server data: If you created an account, your profile data is stored in our Supabase database. To delete your server-side data, contact us through our contact page and we will delete your account and all associated data.

Email subscription: Every email we send includes a one-click unsubscribe link. You can also contact us through our contact page to have your email permanently removed from our database.

Third-Party Links

This site contains links to credit card issuer websites. When you click an apply link, you leave CardOptimizer and are subject to the issuer's own privacy policy. CardOptimizer does not currently earn commissions from these links.

Children's Privacy

CardOptimizer is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated date.

Contact

If you have questions about this privacy policy, please reach out through our contact page.