Disclaimer

Card Manager is for general information and personal organization. Nothing here is financial, credit, tax, or legal advice, and it is not a recommendation to apply for, use, or avoid any particular card. Your circumstances are unique — consider consulting a qualified professional before making financial decisions.

Reward rates, fees, fee waivers, lounge access, forex markups, milestones, and other card details are compiled from research and are provided on a best-effort basis. Banks change these terms frequently and without notice. Always confirm the current details directly with the issuing bank before applying for or using a card. Where shown, "confidence" labels reflect our own assessment of a data point's reliability, not a guarantee.

Reward values, point worth, earnings projections, and "best card" suggestions are estimates based on the data and assumptions in the app (and the spending figures you enter). Real returns depend on caps, exclusions, redemption choices, and your actual spending, and will differ.

Card Manager is independent and is not affiliated with, endorsed by, or sponsored by any bank or card issuer. Bank and card names are used for identification and reference only and belong to their respective owners.

We do not currently earn commissions or have paid/affiliate relationships for cards shown on the site. If that changes, we will disclose it clearly here and on any affected content.

Any action you take based on information from Card Manager is at your own discretion and risk. We are not liable for outcomes resulting from your use of the site. See our Terms of Service for more.