Last Updated: March 13, 2026

1. Acceptance of Terms

By downloading, installing, accessing, or using the CardPerks mobile application ("App", “CardPerks”), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

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Your continued use of the App after any modifications to these Terms constitutes your acceptance of the updated Terms.

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2. Description of Service

CardPerks is a mobile application that helps users organize, compare, and maximize the benefits of their credit cards. The App provides features including, but not limited to:

• A digital wallet to organize your credit cards and view associated benefits
• A "Best Card" recommendation engine that suggests which card to use for specific spending categories
• Side-by-side credit card comparison tools
• A curated news feed with credit card industry updates
• AI-powered receipt scanning for expense tracking
• Spending analytics and insights
• Shopping lists with price tracking and return window monitoring
• Location-based card recommendation notifications
• AI-powered best rates for shopping

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CardPerks is an informational tool only. The App is not a financial institution, credit card issuer, bank, credit counselor, or financial advisor.

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3. Information Sources & AI-Generated Content

Sources of Information

The information displayed in CardPerks is collected and aggregated from a variety of sources, including but not limited to:

• Credit card issuer websites