Terms of use

By using the CardSmart app or this website you agree to these terms.

What CardSmart is

CardSmart is an informational tool that helps you keep track of benefits on credit cards you already hold. It is not a bank, card issuer, lender or financial adviser, and it can’t access or change your card accounts.

Benefit information

We summarize benefits from issuers’ public terms and check them regularly, but issuers change amounts, eligibility and enrollment rules, sometimes without notice. Your card agreement and the issuer’s terms always control. Confirm details with your issuer before relying on them. We aren’t responsible for a credit that doesn’t post, expires or is changed.

Reminders

Reminders depend on your device’s notification settings and may be delayed or not delivered. They’re a convenience, not a guarantee.

Trademarks

Card and issuer names belong to their owners and are used only to identify the cards. CardSmart is not affiliated with or endorsed by any card issuer.

Acceptable use

Don’t misuse the service — for example, by scraping it, overloading it, or signing up other people’s emails.

Liability

CardSmart is provided “as is”. To the extent the law allows, we aren’t liable for indirect or consequential losses, and our total liability is limited to the amount you paid us in the past 12 months (for the free app, zero).

Contact

Questions: hello@getcardsmart.com.