Terms & Conditions

Acceptance of Terms

By accessing or using mycreditperks.com (“the Site”), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Site. We reserve the right to update these terms at any time — continued use of the Site after changes are posted constitutes acceptance of the updated terms.

About MyCreditPerks

MyCreditPerks is a free, independent credit card comparison tool. We provide informational content and a calculator to help consumers estimate rewards value across different credit cards. We are not a bank, financial institution, or credit card issuer.

Informational Use Only

All content on this Site — including card rankings, reward estimates, welcome bonus values, and annual fee calculations — is provided for informational purposes only and does not constitute financial, legal, or credit advice. Reward values are estimates based on publicly available information and standard redemption assumptions. Actual rewards will vary based on your spending habits, redemption choices, and the card issuer’s current terms.

Always review the full terms and conditions of any credit card before applying. Credit card terms, rates, fees, and offers are subject to change at any time.

Affiliate Disclosure

MyCreditPerks earns compensation through affiliate partnerships when you click “Apply Now” links and are approved for a credit card. This compensation may influence which cards are featured on the Site, but it does not affect our commitment to providing accurate and honest comparisons. Our editorial opinions are our own.

We are a participant in affiliate programs operated by CJ Affiliate, FlexOffers, and direct card issuer programs. Clicking affiliate links may result in third-party cookies being placed on your browser — see our Privacy Policy for details.

No Guarantee of Approval

Credit card approval is determined solely by the card issuer based on your full credit profile. Credit score ranges shown on this Site are estimates only. MyCreditPerks makes no guarantee that you will be approved for any card featured on this Site.

Intellectual Property

All content on this Site, including text, graphics, logos, and the rewards calculator, is the property of MyCreditPerks and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.

Third-Party Links

This Site contains links to third-party websites, including card issuers and affiliate networks. These links are provided for your convenience. MyCreditPerks has no control over the content or practices of those sites and accepts no responsibility for them. Visiting a third-party site is at your own risk.

Disclaimer of Warranties

This Site and its content are provided “as is” without any warranties of any kind, express or implied. MyCreditPerks does not warrant that the Site will be error-free, uninterrupted, or free of viruses or other harmful components. We make no warranty regarding the accuracy, completeness, or timeliness of any information on the Site.

Limitation of Liability

To the fullest extent permitted by law, MyCreditPerks shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this Site or its content — including any decisions made based on information found here.

Governing Law

These Terms & Conditions are governed by the laws of the applicable jurisdiction without regard to conflict of law principles.