Financial Disclaimer

Last Updated: March 10, 2026

⚠️ Important: The Card Nerd is an informational tool only. We are not financial advisors, and our recommendations should not be considered financial advice.

1. Not Financial Advice

The information provided by The Card Nerd, including AI-generated recommendations, is for informational and educational purposes only. It does not constitute financial, investment, or credit advice.

You should consult with a qualified financial advisor before making any financial decisions, including applying for credit cards.

2. No Guarantee of Accuracy

While we strive to provide accurate and up-to-date information about credit cards, we cannot guarantee:

The accuracy, completeness, or timeliness of card information
That card terms, fees, or rewards have not changed since our last update
That you will be approved for any particular credit card
That you will receive the advertised benefits or rewards

3. Credit Card Terms

Credit card terms, including annual fees, interest rates, rewards, and benefits, are subject to change by the issuing banks. Always verify current terms directly with the card issuer before applying.

4. Credit Impact

Applying for credit cards may impact your credit score. Multiple applications in a short period can negatively affect your credit. We are not responsible for any impact to your credit score resulting from your use of our Service.

5. No Affiliation

The Card Nerd is not affiliated with, endorsed by, or sponsored by any credit card issuers, banks, or financial institutions mentioned in our Service. All trademarks and brand names are the property of their respective owners.

6. Affiliate Relationships

We may receive compensation from credit card issuers when you click on certain links or apply for cards through our Service. This compensation may influence which cards we feature, but it does not affect our editorial content or recommendations.

7. AI-Generated Content

Our AI assistant uses Google Gemini to provide personalized recommendations. AI-generated responses:

Are based on the information you provide about your wallet
May contain errors or inaccuracies
Should be verified independently before making decisions
Are not a substitute for professional financial advice

8. Location-Based Services

Our nearby stores feature uses Google Places API to show locations where your cards may earn rewards. We cannot guarantee:

The accuracy of store locations or categories
That stores accept your specific credit cards
That advertised rewards will apply at those locations

9. User Responsibility

You are solely responsible for:

Verifying all credit card information before applying
Reading and understanding card terms and conditions
Managing your credit responsibly
Making informed financial decisions

10. Limitation of Liability

The Card Nerd, its owners, employees, and affiliates shall not be liable for any financial losses, credit score impacts, or other damages resulting from your use of our Service or reliance on our information.

11. Changes to Information

Credit card offers, terms, and availability are subject to change without notice. We update our database periodically, but there may be delays between when issuers change terms and when we update our information.

12. Contact Us

If you have questions about this Financial Disclaimer, please contact us at:

Email: legal@thecardnerd.com