Terms of Service

Acceptance of Terms

By accessing or using CardOptimizer, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the site.

Description of Service

CardOptimizer is a free tool that helps you check your eligibility for credit cards based on publicly known issuer rules and policies. The tool analyzes the information you provide to estimate whether you are likely to be approved and eligible for welcome bonuses. Eligibility analysis runs entirely in your browser.

You may optionally create an account to sync your profile data across devices. Account creation is not required to use the eligibility checker. When signed in, your profile data is stored in our cloud database in addition to your browser.

Not Financial Advice

The information provided on CardOptimizer is for educational and informational purposes only. It does not constitute financial, legal, or professional advice. Eligibility results are estimates based on community data points and publicly available issuer policies — they do not guarantee approval or denial. Always do your own research and consider consulting a financial advisor before making credit decisions.

Accuracy of Information

We make reasonable efforts to keep card data, eligibility rules, and offer details accurate and up to date. However, credit card issuers may change their terms, rules, and offers at any time without notice. CardOptimizer makes no warranty that the information on this site is complete, accurate, or current. Card information is collected from official issuer pages and trusted community sources, but may not reflect real-time changes.

External Links

Application links on CardOptimizer point directly to official card issuer websites. CardOptimizer does not currently earn commissions or referral fees from any card issuer. If this changes in the future, it will be disclosed here.

User Responsibilities

• You are responsible for providing accurate information when using the eligibility checker.
• You acknowledge that eligibility results are estimates and do not guarantee any particular outcome.
• You are solely responsible for any credit card application decisions you make.
• If you create an account, you are responsible for maintaining the security of your login credentials.

Limitation of Liability

CardOptimizer, its creators, and contributors shall not be held liable for any direct, indirect, incidental, or consequential damages arising from the use of this tool. This includes, but is not limited to, credit application denials, lost welcome bonuses, or hard inquiry impacts on your credit score.

Intellectual Property

All content on CardOptimizer — including text, design, code, and graphics — is the property of CardOptimizer unless otherwise noted. Credit card names, logos, and trademarks belong to their respective issuers and are used for identification purposes only.

Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the site after changes constitutes acceptance of the updated terms.

Contact

If you have questions about these terms, please reach out through our contact page.