What CardReply is
CardReply gives general information and calculations about US credit cards: a hand-checked list of public offers, free calculators, a chat preview over a sample wallet, and a connector that assistants can use. All of it is free today.
It is information, not advice
CardReply is not a bank, a lender, a card issuer or a financial adviser. It does not give investment, tax, legal or credit advice, and it does not know your whole financial situation. You make your own decisions. Check an offer's terms with the bank or card issuer before you act on it.
Offers change, and numbers are only as good as the inputs
Each find is checked by hand on the date shown, and offers can change or end without notice. Many card offers are targeted, so one may not be open to you. A calculation uses only the numbers given to it, and your issuer's statement is what counts. We work to get things right, but we cannot promise that everything is accurate, complete or current.
No one pays us for recommendations
Card issuers and banks do not pay CardReply, and we earn no commission when you open an account or a card.
The connector
The connector is free and read-only. It does not sign in to accounts, add offers, apply for cards or move money. Assistants that use it are made by other companies, and their own terms cover your use of them. We are not responsible for what an assistant says or does with CardReply's answers.
Other websites
We link to banks, card issuers and other sources so you can check them for yourself. We do not control those sites and are not responsible for them.
Fair use
Please do not try to break or overload the website or the connector, copy it at a volume that affects other people, or use it to break the law or a card's terms. We may limit or block access that does.
The pilot and the membership
The membership is not sold on this website yet, and the site takes no payment. Pilot places are arranged by email with a separate agreement. Prices on the site are the planned prices.
Our work
The website, its text, the calculators and the finds list belong to CardReply. You are welcome to link to any page and to quote short parts with credit.
No guarantees, and limits on our responsibility
CardReply is provided as it is, without warranties of any kind. As far as the law allows, CardReply is not liable for losses that come from using it or relying on it, including a missed bonus, a declined application, fees or interest.
Changes
We may update these terms. The date at the top says when they last changed. Using CardReply after a change means you accept the new terms.
Contact
Questions about these terms: hello@cardreply.com. How we handle information is on the privacy page.