Advertiser Disclosure
This is an independent, advertising-supported comparison website. We may receive compensation from our partners when you click links on our site and take certain actions on their websites. This compensation helps keep this site free to use.
Compensation is one of several factors that may affect which products we feature, how prominently we feature them, and where they appear on our site, including, for example, their order on the page. Other factors may include our ratings and analysis, product availability, product features, and relevance to the page. We don't cover every credit card or offer available in the market. The order or prominence of products on our site does not necessarily reflect the rating we assign to a product or our assessment of its overall quality.
Compensation never affects our product ratings, analysis, or opinions, and our partners cannot pay us for a higher rating or a more favorable review.
Terms of Use
Last Updated: September 24, 2026
These Terms of Use (“Terms”) govern your access to and use of this website and its content, features, and services (collectively, the “Site”), operated by 8400 Ventures, LLC (“we,” “us,” or “our”).
By accessing or using the Site, you agree to these Terms. If you do not agree to these Terms, please do not use the Site.
The Site is intended primarily for individuals who are at least 18 years old and located in the United States.
Our collection and use of personal information is described in our Privacy Policy. Our relationships with advertisers are described in our Advertiser Disclosure.
1. ABOUT THE SITE
The Site is an independent, advertising-supported publisher of information, comparisons, ratings, reviews, and other content about credit cards and related financial products.
We are not a bank, lender, credit card issuer, credit reporting agency, or financial, legal, tax, or investment advisor. We do not issue credit cards, make credit decisions, determine your eligibility for financial products, or process credit card applications.
When you choose to apply for a financial product, you apply directly with the applicable issuer or other third-party provider and are subject to that third party’s terms, conditions, policies, and eligibility requirements.
2. FINANCIAL INFORMATION AND PRODUCT OFFERS
Information on the Site is provided for general informational and educational purposes only. It is not individualized financial, legal, tax, investment, or other professional advice and does not take into account your particular financial circumstances.
You are responsible for your own financial decisions. If you need advice specific to your circumstances, you should consult an appropriately qualified professional.
Credit card offers, interest rates, fees, rewards, bonuses, benefits, eligibility requirements, and other product terms are established by the applicable issuers or other third-party providers and may change at any time, including without notice to us.
We work to provide accurate and current information, but we do not guarantee that all information on the Site is complete, current, or error-free. Before applying for or using a financial product, you should review the official terms and conditions provided by the issuer or other third-party provider.
We do not guarantee that you will qualify or be approved for any product, that any product will be suitable for you, or that you will receive any particular rate, bonus, reward, benefit, savings, or other result.
3. RATINGS, REVIEWS, AND OPINIONS
Our product ratings, grades, reviews, and other opinions reflect our assessment based on our methodology and the information available to us at the time of publication.
These ratings, reviews, and opinions are subjective and are not guarantees that a particular product is the best or most appropriate choice for you.
We receive compensation from some of the financial-services companies whose products appear on the Site. For more information about our relationships with advertisers and how compensation may affect the products featured on the Site, please see our Advertiser Disclosure.
4. THIRD-PARTY PRODUCTS AND WEBSITES
The Site contains links to third-party websites, including websites operated by credit card issuers, financial institutions, affiliate networks, advertisers, and other third parties.
These third-party websites and the products and services offered through them are provided and controlled by third parties, not by us.
We do not control and are not responsible for the content, availability, accuracy, products, services, terms, privacy practices, security, or conduct of third-party websites or providers.
Your use of any third-party website or product is subject to that third party’s terms and policies and is at your own risk.
The inclusion of a link to a third-party website does not by itself imply that we control or are responsible for that third party or its products or services.
5. INTELLECTUAL PROPERTY AND LIMITED LICENSE
The Site and its contents, features, and functionality, including text, ratings, grades, methodologies, comparisons, data compilations, graphics, images, logos, designs, software, and the selection and arrangement of those materials, are owned by us, our licensors, or other applicable rights holders and are protected by copyright, trademark, and other intellectual property laws.
Names, logos, trademarks, and other intellectual property associated with credit card issuers, financial institutions, and other third parties are the property of their respective owners.
We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your personal, non-commercial use.
Except as expressly permitted by these Terms or by us in writing, you may not copy, reproduce, republish, distribute, transmit, display, sell, license, modify, create derivative works from, or otherwise exploit any part of the Site or its content.
All rights not expressly granted to you are reserved.
6. PROHIBITED USES
You agree not to:
- use the Site for any unlawful purpose or in violation of these Terms;
- copy, reproduce, aggregate, republish, distribute, or commercially exploit our content, ratings, grades, comparisons, methodologies, or data without our permission;
- use robots, spiders, scrapers, crawlers, or other automated tools to access, copy, extract, monitor, or collect content or data from the Site, except as expressly permitted by us, including through machine-readable permissions we make available for that purpose;
- use content or data from the Site to train, develop, fine-tune, or improve an artificial intelligence or machine-learning model, except as expressly permitted by us;
- use our content, ratings, grades, comparisons, methodologies, or data to build or support a competing product or service without our permission;
- frame, mirror, or embed any material portion of the Site without our written permission;
- interfere with the operation, availability, or security of the Site;
- introduce viruses, malicious code, or other harmful technology;
- attempt to gain unauthorized access to the Site, our systems, or systems connected to the Site;
- impose an unreasonable or disproportionately large load on the Site or its infrastructure;
- remove, alter, or obscure copyright, trademark, or other proprietary notices;
- misrepresent your identity or affiliation with any person or organization; or
- use the Site to improperly collect information about other users.
We reserve the right to restrict or terminate access to the Site if we believe a user has violated these Terms or is using the Site in a manner that could harm us, the Site, our users, or third parties.
7. SITE AVAILABILITY AND CHANGES
We may modify, suspend, restrict, or discontinue any part of the Site at any time.
Although we work to maintain current information, content, financial products, and offers may change, and we do not guarantee that all information will be current at all times.
We do not guarantee that the Site will always be available, uninterrupted, secure, or free from errors or technical problems.
8. DISCLAIMER OF WARRANTIES
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT OR GUARANTEE THAT THE SITE OR ITS CONTENT WILL BE ACCURATE, COMPLETE, CURRENT, AVAILABLE, UNINTERRUPTED, SECURE, OR ERROR-FREE.
WE MAKE NO WARRANTY OR GUARANTEE REGARDING ANY PRODUCT, SERVICE, OFFER, WEBSITE, OR OTHER MATERIAL PROVIDED BY A THIRD PARTY.
Nothing in these Terms excludes any warranty that cannot legally be excluded.
9. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, 8400 VENTURES, LLC AND ITS MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO:
- your use of or inability to use the Site;
- any information or content available through the Site;
- any financial decision made based on information available through the Site;
- any third-party website, product, service, or offer; or
- any unauthorized access to or alteration of your communications or data,
REGARDLESS OF THE LEGAL THEORY ASSERTED AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID DIRECTLY TO US, IF ANY, DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.
10. INDEMNIFICATION
To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless 8400 Ventures, LLC and its members, officers, employees, contractors, agents, licensors, and service providers from and against claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:
- your violation of these Terms;
- your unauthorized use of the Site or its content;
- your violation of applicable law; or
- your violation of the rights of any third party.
11. TIME LIMIT ON CLAIMS
To the fullest extent permitted by applicable law, any claim or cause of action arising out of or relating to the Site or these Terms must be commenced within one year after the claim or cause of action arose. Otherwise, the claim or cause of action is permanently barred.
12. CHANGES TO THESE TERMS
We may update these Terms from time to time.
When we make changes, we will update the “Last Updated” date at the top of this page. Changes will become effective when posted unless otherwise stated or required by applicable law.
Your continued use of the Site after updated Terms are posted constitutes your acceptance of the updated Terms.
If you do not agree with updated Terms, you should stop using the Site.
13. GOVERNING LAW AND VENUE
These Terms and any dispute arising out of or relating to the Site or these Terms will be governed by the laws of the State of Colorado, without regard to its conflict-of-laws principles.
To the extent permitted by applicable law, any legal action or proceeding arising out of or relating to the Site or these Terms must be brought in a state or federal court located in Colorado, and you consent to the jurisdiction of those courts.
We make no representation that the Site or its content is appropriate or available for use outside the United States.
14. GENERAL TERMS
These Terms constitute the entire agreement between you and us regarding your use of the Site.
Our Privacy Policy describes our collection and use of personal information. Our Advertiser Disclosure describes our relationships with advertisers.
If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be enforced to the greatest extent permitted by law and the remaining provisions will remain in full force and effect.
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.
You may not assign or transfer your rights or obligations under these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, or other corporate transaction.
Section headings are provided for convenience only and do not affect the interpretation of these Terms.
15. CONTACT US
If you have questions about these Terms of Use, contact us at:
8400 Ventures, LLC
Email: privacy@8400ventures.com