Financial and Credit Disclaimer

Not financial, credit, legal, tax, lending, or banking advice

CardPilot provides education and comparison information only. Nothing on this site is financial, legal, tax, credit, lending, banking, or investment advice. CardPilot does not evaluate your full financial situation, debt obligations, income, credit profile, or ability to repay.

Before opening a new credit product, consider your full financial situation and read the issuer's terms, pricing, fees, rewards rules, and disclosures. A licensed professional can provide advice tailored to your situation; CardPilot cannot.

No approval guarantees

CardPilot does not determine whether you are eligible for a credit card and does not guarantee that you will be approved. Issuers make approval decisions based on their own underwriting standards, application data, credit reports, identity checks, income review, and other factors.

A card that appears high in CardPilot results may still be unavailable to you, may require excellent credit, may have restrictions, or may change before you apply. Always verify directly with the issuer.

Not a bank, lender, broker, issuer, or credit bureau

CardPilot does not issue credit cards, broker credit products, provide loans, pull credit reports, furnish credit data, or provide credit repair services. CardPilot is not a bank, lender, credit union, broker, credit card issuer, or credit bureau.

Issuer links take you to third-party websites. Those sites have their own terms, privacy practices, eligibility rules, rates, fees, and application flows.

Educational estimates based on user inputs

Recommendations and rankings are estimates based on spending amounts, preferences, point valuations, and assumptions supplied by the user or set as CardPilot defaults. Actual rewards, credits, redemption values, statement credits, and fees may differ from the estimates shown.

Offers, rewards, annual fees, APRs, welcome bonuses, benefits, credits, caps, category rules, transfer partners, and eligibility requirements can change frequently. CardPilot may not include every card available on the market and may not reflect every targeted or limited-time offer.

Verify with the issuer before applying

You should verify all card details directly with the issuer before applying, including rates and fees, rewards terms, APRs, bonus rules, annual credits, benefit restrictions, eligibility criteria, and any application terms. If CardPilot and an issuer disagree, the issuer's terms control.

Questions or corrections can be sent to parkdigitalventures@gmail.com.

Frequently asked questions

Does CardPilot earn commissions when I apply for a card?

Not at this time. If we introduce affiliate relationships in the future, that fact will be disclosed prominently and rankings will continue to be produced by the same formula on every card in the catalog.

Who runs CardPilot?

CardPilot is operated by Park Digital Ventures. Contact us at parkdigitalventures@gmail.com.

Is CardPilot really free?

Yes. CardPilot is 100% free. There are no accounts, paywalls, or premium tiers. The full calculator and every recommendation is available to everyone.

Does CardPilot affect my credit score?

No. CardPilot only does math on your spending. We never request a credit pull or share your information with issuers. Applying for a card on the issuer's website is a separate action that may affect your score.

Is this financial advice?

No. CardPilot provides educational comparisons and estimates. It is not financial, legal, tax, credit, lending, or banking advice, and it does not guarantee approval. Always verify terms with the issuer before applying.