Terms & Conditions
Last updated: August 3, 2026. By using CardWhisper at cardwhisper.com, you agree to these terms. The site is operated by CardWhisper.
Informational use only
CardWhisper provides educational estimates of credit card value based on publicly available information, our methodology, and inputs you provide (such as spending and eligibility details). Nothing on this site is financial, credit, tax, or legal advice. We do not arrange credit, underwrite applications, or guarantee any outcome with an issuer.
Estimates & accuracy
Rankings, dollar values, earn rates, fees, bonuses, and other figures are estimates only. Issuers change offers, eligibility rules, and terms without notice. Always confirm current details, rates, and requirements directly with the issuer before you apply or make a decision.
Approval odds
This estimate compares the score and income ranges you selected with listed card requirements. It cannot predict approval or guarantee it. Approval odds labels (for example, Excellent, Good, Fair, or Poor) are rough indicators only. They do not reflect a hard credit pull, an issuer decision, or your actual likelihood of approval. Issuers use their own criteria, which may include credit history, income, existing relationships, and other factors we do not see.
Affiliate relationships
Some apply links are affiliate links. If you apply through those links and are approved, we may earn a commission at no extra cost to you. Affiliate relationships do not affect how we calculate rankings or scores.
Shared ranking links
Sharing a rankings URL may store a snapshot of the associated spending profile and results on our servers so others can view the same estimate. Those snapshots are retained for up to 30 days. See our privacy policy for details.
Your responsibility
You are responsible for the information you enter and for any applications you submit. Applying for credit can affect your credit file. Use the site at your own risk.
Changes
We may update these terms from time to time. Continued use of the site after changes are posted means you accept the updated terms.
Questions about these terms, or a correction request? Email support@cardwhisper.com. See our privacy policy and methodology for how we handle data and calculate values, or browse cards on the rankings page.