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Affiliate Disclosure

This page explains how Credit Card Reviews makes money. We are a commercial publication — we earn revenue from advertising and from referral fees paid by credit-card issuers and other finance partners when readers act on our links. We want this relationship clear up front, before you click anything.

The short version

When you click a link on this site to apply for a credit card or sign up for a finance product, the destination site may pay us a fee if you complete the action. The fee does not change the price, rate, fee, or terms of the product you sign up for. You pay the same as if you had arrived at the issuer directly.

Our active partnerships

Digify, LLC, the operator of this site, has financial relationships with the following kinds of partners:

  • Affiliate networks — we participate in CardRatings, FlexOffers, the Bankrate Affiliate Network, and Awin / Impact / CJ as we are approved for specific card programs. These networks contract with credit-card issuers and pay us a fee for each approved application that originates from our links.
  • Direct issuer programs — where available, we work directly with issuers (American Express, Chase Refer-A-Friend, Capital One, Discover, and others as we are approved) rather than through a network.
  • Display advertising — we serve display ads through Google AdSense, and search-partner advertising through Yahoo and the Microsoft Search Partner Network. The ads you see are selected by those networks, not by us.
  • Adjacent-finance partners — when a credit-card topic connects to debt consolidation, personal loans, or other finance products, we may earn a referral fee from our partner network for related offers. This includes the in-house network of Digify, LLC's parent organisation, Loyal Companies.

We do not earn commission on Amazon products. We are not an Amazon Associates affiliate, and we are not part of any sibling brand's Amazon program.

What this means for our reviews

We try very hard to keep the commission rate out of the ranking decision. Specifically:

  • We rank cards on the math first (earn rate, break-even on annual fee, net cost of carrying a balance, redemption flexibility), then on qualitative factors (program quality, customer service, issuer reputation).
  • If the card that wins on the math is not the one that pays us the most, the card that wins on the math gets the top recommendation. Always.
  • If we have no affiliate relationship with a card that legitimately wins a comparison, we still recommend it. The link in that case will be a regular link to the issuer site, not an affiliate link, and that is fine.
  • We disclose the affiliate relationship in every article that contains affiliate links — both at the top and at the bottom of the article.

FTC disclosure

Digify, LLC has commercial relationships with credit-card issuers, affiliate networks, and finance-product partners referenced on this site. When we link to a credit-card application, a personal-loan provider, or another partner offer, we may earn a referral fee if you complete the action. This is a "material connection" under 16 CFR § 255 (the FTC's endorsement guidelines), and this page is the disclosure.

What pays us, and what does not

  • Paid: approved credit-card applications via our affiliate links; display-ad impressions and clicks; sign-ups for adjacent-finance offers.
  • Not paid: reading our articles; subscribing to our newsletter; clicking a link to an issuer site where we do not have a partnership; following our recommendation to skip a card.

Questions

If you want to know whether a specific link in a specific article is an affiliate link, email [email protected] and we will tell you. We are happy to be specific.

This article was AI-assisted and reviewed by our editorial team.