Terms of Service

Last updated: May 9, 2026

By accessing or using churncards.com ("the Site"), you agree to these Terms of Service. If you do not agree, do not use the Site.

1. Informational use only

ChurnCards provides credit card information for educational and informational purposes only. Nothing on the Site constitutes financial, legal, tax, or credit advice. We are not a financial advisor, broker, or lender. Always consult with a qualified professional and verify card terms directly with the issuer before making any financial decision.

2. Accuracy

We make reasonable efforts to keep card data accurate and up to date, but credit card terms change frequently. Bonuses, fees, APRs, and eligibility rules shown on the Site may differ from the issuer's current offer. The issuer's website is the authoritative source. We are not liable for errors, omissions, or out-of-date information.

3. Affiliate links

Some links on the Site are affiliate links. We may earn a commission when you apply for and are approved for a card through one of these links. This does not affect our rankings or recommendations. See our affiliate disclosure for full details.

4. No warranty

The Site is provided "as is" without warranty of any kind, express or implied. We disclaim all warranties including, without limitation, warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. Use the Site at your own risk.

5. Limitation of liability

To the fullest extent permitted by law, ChurnCards and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, including without limitation any decision you make based on information shown on the Site.

6. Third-party links

The Site contains links to third-party websites (issuers, affiliate networks, news sources). We do not endorse and are not responsible for the content, policies, or practices of any third-party site.

7. Intellectual property

The original content on this Site (rankings, methodology, written guides) is owned by ChurnCards. Card names, logos, and trademarks are property of their respective issuers and are used for identification only.

8. Changes to these terms

We may update these terms from time to time. The "Last updated" date reflects the most recent revision. Continued use of the Site after changes constitutes acceptance of the revised terms.

9. Governing law

These terms are governed by the laws of the United States. Any disputes arising under these terms shall be resolved in the federal or state courts located in the United States.

10. Contact

Questions about these terms? [email protected]