Disclosures & Editorial Policy

Affiliate Disclosure

We plan to implement affiliate tracking in the future. When we do, we may receive compensation from American Express if you are approved for a card through our links. This compensation helps us maintain and improve this free resource.

Important: Whether we earn a commission or not, you pay the same price and receive the same offer. We do not have access to your application information, and American Express does not influence our recommendations.

Editorial Independence

Our recommendations are based solely on our transparent calculation methodology and your personalized quiz responses. We are not paid to promote specific cards, and our calculator treats all cards equally based on their published benefits and terms.

• • We do not alter calculations to favor higher-commission cards
• • Our quiz and algorithm were designed before any affiliate relationships were established
• • We update card information based on official American Express terms, not marketing materials
• • We disclose all material relationships and potential conflicts of interest

Information Accuracy

We make every effort to ensure the accuracy of the information presented on this site, including:

• • Annual fees, credit amounts, and earning rates
• • Benefit descriptions and eligibility requirements
• • Terms and conditions as published by American Express

However, credit card terms change frequently. Always verify current offers and terms directly with American Express before applying. We are not responsible for any discrepancies between our site and the official American Express terms.

Not Financial Advice

Credit card decisions depend on your individual financial situation, credit score, goals, and circumstances. Our calculator provides estimates based on the information you provide, but cannot account for:

• • Your creditworthiness or likelihood of approval
• • Your ability to meet minimum spend requirements
• • Your debt situation or payment history
• • Your specific financial goals and risk tolerance

Card Art and Trademarks

All product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. The use of any trade name or trademark is for identification and reference purposes only and does not imply any association with the trademark holder.

American Express, Amex, Membership Rewards, Centurion Lounge, and related marks are trademarks of American Express Company. This site is not affiliated with, endorsed by, or sponsored by American Express.

Limitation of Liability

We are not responsible for any errors or omissions, or for any losses, injuries, or damages arising from the use of this website or reliance on its content. By using this site, you agree to our Terms of Service and acknowledge that you are using this information at your own risk.