Does CardPilot guarantee that I will be approved?

No. Issuers make approval decisions. CardPilot does not determine eligibility or guarantee approval for any credit card.

Are card terms guaranteed to be current?

No. CardPilot attempts to keep data useful, but terms change frequently. Always verify details directly with the issuer.

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.

Terms of Service

Last updated: May 2026

These Terms govern use of CardPilot, including public credit card education pages and the browser-based recommendation tool. By using CardPilot, you agree to use it as an educational resource and to verify issuer terms before making credit decisions.

Educational use only

CardPilot provides educational comparisons and estimates. It is not financial, legal, tax, credit, lending, banking, or investment advice. CardPilot does not evaluate your full financial situation or tell you whether you should open a specific card.

Recommendations are model-driven estimates based on user inputs, public card data, and simplifying assumptions. Actual rewards, fees, APRs, approval outcomes, and benefits may differ.

No issuer or lending role

CardPilot is not a bank, lender, broker, credit bureau, credit card issuer, or credit counselor. It does not issue credit cards, make lending decisions, pull credit reports, guarantee approval, or determine eligibility.

Issuer links are third-party links. You are responsible for reviewing the issuer's terms, application disclosures, rates, fees, and privacy practices before applying.

Accuracy and availability

CardPilot makes a good-faith effort to keep content and card data useful, but credit card offers can change quickly. CardPilot does not warrant that every detail is current, complete, or available to every user.

The service may change, pause, or remove pages, tools, or data at any time. Users should not rely on CardPilot as the only source for a credit product decision.

Acceptable use and contact

Do not misuse CardPilot, attempt to disrupt the service, republish substantial portions of the card database as a competing commercial product, or represent CardPilot output as advice from a licensed professional.

Questions can be sent to parkdigitalventures@gmail.com. See also the Privacy Policy and Disclaimer.

Frequently asked questions

Does CardPilot guarantee that I will be approved?: No. Issuers make approval decisions. CardPilot does not determine eligibility or guarantee approval for any credit card.
Are card terms guaranteed to be current?: No. CardPilot attempts to keep data useful, but terms change frequently. Always verify details directly with the issuer.
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.

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Disclaimer: CardPilot provides estimates based on publicly available rewards structures and simplified assumptions. Credit card terms, fees, rewards, APRs, benefits, and offers change frequently. Always verify details with the issuer before applying. This is not financial, legal, tax, credit, lending, or banking advice. See our disclaimer.