Terms & Conditions

Welcome to ValueCreditCards.com. These Terms and Conditions form a contract between you and ValueCreditCards. Please read them carefully. When you use the site, you accept these terms. If you do not agree, do not use the site.

Who we are

ValueCreditCards.com is an information service. We research and compare credit cards, explain features and costs, and publish education. We are not a bank or lender, and we do not approve applications or set rates.

Quick summary of your agreement

By using the site, you agree to:

• Use the site for personal, lawful purposes.

• Respect our intellectual property and brand.

• Follow any policies linked from these terms, including our Privacy Policy.

• Verify offers on an issuer’s website before you apply.

You also understand that:

• We may earn a commission on some links.

• We do not give financial or legal advice.

• Details can change without notice, and issuers make final decisions.

Not financial or legal advice

All content on this site is for education. It is general information, not tailored to your situation, and it should not replace advice from a licensed professional. Credit products carry risks and costs that vary by person, state, and issuer. Before you act, confirm terms with the issuer and consider speaking with a qualified advisor who can review your goals, income, and obligations. Your use of the site is at your own risk, and you are responsible for your decisions.

Affiliate disclosure

We fund our work in part through affiliate partnerships. That means:

• Some links on our pages may earn a commission if you click or if you apply and are approved.

• Our editorial team uses a consistent scoring method and works independently from our business team.

• Sponsored placements are labeled so you can identify them.

• Commissions do not change the price you pay to an issuer.

Eligibility and acceptable use

To use this site you must be at least 18 years old and able to enter a binding contract. You agree not to:

• Copy, scrape, or republish our content without written permission.

• Interfere with the site, probe systems, or attempt to bypass security.

• Use automated tools to harvest data or overwhelm our servers.

• Post or transmit anything unlawful, misleading, or harmful.

Accuracy and updates

We work hard to keep pages accurate and current. Still, card rates, fees, rewards, and eligibility rules can change at any time. Issuers control their products and make final decisions. Always confirm details on the issuer’s website before you apply or redeem rewards. We are not responsible for losses that result from outdated information or delays in updates, but we will correct errors that we find or that you report.

Intellectual property

Everything on the site—text, graphics, logos, tools, and layout—belongs to us or our licensors.

• You may view and use the site for personal use.

• You may not sell, rent, adapt, or create derivative works from our content without written permission.

• Trademarks and brand names belong to their owners and are used for identification only.

User content and feedback

If you send reviews, comments, or suggestions:

• You confirm you have the right to share them.

• You give us a worldwide, non-exclusive, royalty-free license to use, reproduce, edit, and display them in any media.

• We may moderate, edit, or remove submissions that violate these terms or the law.

Third party links

Our pages link to banks, card issuers, and other websites. Those sites have their own terms and privacy rules, and we do not control or endorse their content. If you click a link, you do so at your own risk. Review their policies and confirm details directly with them before you act.

Promotions and offers

• Welcome offers and rates often have limits, spend requirements, and end dates.

• Balance transfer offers can include a transfer fee and an intro period that expires.

• Issuers decide who is approved and for what credit line.

• We do not guarantee approval or specific outcomes.

Availability and changes to the service

We aim to keep the site fast and available. Outages can happen due to maintenance, network issues, or events beyond our control. We may change or discontinue features at any time. When we update these terms, we post the new date at the top. Your continued use after changes means you accept the revised terms.

Disclaimer of warranties

To the fullest extent allowed by law:

• The site and all content are provided “as is” and “as available.”

• We do not promise uninterrupted service, error-free content, or a particular result.

• We disclaim warranties of accuracy, fitness for a particular purpose, and non-infringement.

Limitation of liability

To the maximum extent permitted by law, ValueCreditCards and its team are not liable for indirect, incidental, special, or consequential damages, including lost profits, lost data, or business interruption. Our total liability for any claim related to your use of the site will not exceed one hundred US dollars. Some jurisdictions do not allow certain limits, so parts of this section may not apply to you.

Indemnification

You agree to defend, indemnify, and hold ValueCreditCards and its affiliates harmless from claims, losses, costs, and expenses, including reasonable legal fees, arising from your use of the site, your content, or your violation of these terms or applicable law.

Governing law and disputes

These terms are governed by the laws of the United States and the State of Delaware, without regard to conflict rules. Any dispute arising out of or relating to these terms or the site will be resolved in the state or federal courts located in Delaware. You consent to the personal jurisdiction of those courts and waive objections to venue. If a party seeks an injunction or other equitable relief, those courts may grant it to prevent harm while a case proceeds.