Affiliate Disclosure

Last Updated: May 17, 2026

📢 Disclosure Statement (Plain English) TopCardReviews earns money when you click links to credit card companies and are approved for their products. This compensation does not change what you pay or influence which cards we recommend.

1. How We Make Money

TopCardReviews is an independent comparison and review site for credit cards and personal finance products. We are a participant in several affiliate programs, which means we may earn a commission when:

You click on a card recommendation link (sometimes labeled "Apply Now," "View Offer," or "Learn More")
You are approved for a credit card through that link
You complete a related action (such as activating a card or making a qualifying purchase, depending on the issuer's program)

Our affiliate partners include — but are not limited to — Commission Junction (CJ Affiliate), Impact, FlexOffers, and direct partnerships with credit card issuers such as Chase, American Express, Capital One, Discover, Citi, and others.

2. Not All Cards Are Affiliate Links

Some cards we review do not have an affiliate relationship with us (yet). We include them anyway when they're relevant to readers, because our goal is to provide useful comparisons — not just to maximize revenue.

Affiliate links are labeled with the rel="sponsored" attribute and open in a new browser tab. You can identify them by hovering over any "Apply Now" button — the URL will start with topcardreviews.com/go/ before redirecting to the card issuer.

3. Editorial Independence

Compensation does not influence our recommendations. Specifically:

Our ratings are determined by our editorial team, not advertisers.
We do not accept payment for positive reviews.
We do not allow issuers to pre-approve, edit, or veto our content.
We frequently recommend cards from issuers with whom we have no commercial relationship.
We disclose meaningful drawbacks (high fees, restrictive terms, etc.) even on cards that pay us a commission.

For more on our content standards, see our Editorial Policy.

4. How This Affects You

It doesn't. Affiliate commissions are paid by the card issuer, not by you. You pay the same APR, fees, and terms whether you apply directly through the issuer's website or through our link. There is no extra cost, no hidden markup, and no impact on your application or approval odds.

5. FTC Compliance

This disclosure is provided in accordance with the U.S. Federal Trade Commission's 16 CFR Part 255 "Guides Concerning the Use of Endorsements and Testimonials in Advertising." For more information, visit the FTC Endorsement Guides .

6. Display Advertising

In addition to affiliate links, TopCardReviews may display third-party advertisements served by ad networks such as Google AdSense. These ads:

Are clearly distinguishable from editorial content.
Are not endorsed by TopCardReviews.
May be personalized based on your browsing behavior (cookies). See our Privacy Policy for details on opting out.

7. Questions or Concerns

We believe transparency builds trust. If you have any questions about how we make money or our editorial process, please reach out to [email protected].

8. Thank You

When you use our affiliate links, you help support our team and keep the site free for everyone. We appreciate your trust and your support.

💡 Short Version We get paid when you apply for cards through our links. The price and terms are the same as if you applied directly. We recommend cards based on quality, not commission.