Legal

Terms of Use

The short version: this is editorial information, not financial advice, we are paid when you open an account through our links, and the issuer’s own terms always control.

Before launch: replace [LEGAL ENTITY] and [CONTACT EMAIL] throughout, and have this page reviewed by a lawyer licensed in your state. This is a solid, honest starting draft written to match how the site actually behaves — it is not legal advice and it has not been reviewed by counsel.

Acceptance

By using US Card Index you agree to these terms. If you do not agree, please do not use the site.

What this site is

We publish editorial comparisons of credit and debit card products available in the United States. Everything here is general information for a general audience.

Not financial advice. Nothing on this site is personalized financial, tax, legal, investment or credit advice. We are not a bank, a lender, a broker or a licensed financial advisor. Your own circumstances decide whether a product makes sense, and only the issuing bank decides whether you are approved, on what credit line and at what rate.

How we are paid

We are not. US Card Index has no advertising, affiliate or referral relationship with any issuer or bank, receives no compensation for the products listed, and does not link to any of them. If that ever changes it will be disclosed before any paid link goes live. The full statement is on How This Site Works.

Accuracy of offer information

Welcome bonuses, earn rates, APRs, fees, credit requirements and benefits are set by the issuer and can change or be withdrawn at any time, without notice to us. We review the figures periodically and show the review date on the page, but we cannot guarantee that any figure is current at the moment you read it. The terms shown on the issuer’s own application page always control. Verify every number there before you apply.

Not every offer is listed

We do not review every card available in the United States, and the products shown are not a complete list of everything you might qualify for. Business and co-branded airline cards are deliberately out of scope for now.

Third-party sites

We currently link to no issuer or third-party site. If outbound links are added later, the destination site’s own terms and privacy policy apply once you leave this domain.

Intellectual property

The editorial content, rankings, design and code of this site belong to [LEGAL ENTITY]. Card names, issuer names, logos and other marks belong to their respective owners; we use them nominatively to identify the products we write about, which does not imply any endorsement of, or affiliation with, US Card Index.

Acceptable use

Do not scrape, republish or resell our content wholesale, attempt to interfere with the site, or use it to mislead others about your relationship with any issuer.

Disclaimer and limitation of liability

The site is provided “as is”, without warranties of any kind, express or implied, to the fullest extent permitted by law. To the extent permitted by law, [LEGAL ENTITY] is not liable for any indirect, incidental or consequential damages arising from your use of the site or from any decision you make based on information found here.

Governing law

These terms are governed by the laws of the State of [STATE], United States, without regard to its conflict of law rules.

Changes

We may update these terms. The date at the bottom of this page reflects the latest version.