1. What CardSpec Is
CardSpec ranks credit cards by Net Annual Value (NAV): deterministic math over each card's published terms and the spending profile you enter. This site is operated by CardSpec LLC, a Georgia limited liability company (formation filed and in process). Until the state completes it, “CardSpec” in these terms refers to the site's operator. The site is an informational tool. Using it means you accept these terms. If you don't accept them, don't use the site.
2. Not Financial Advice
CardSpec is not a financial advisor, broker, credit-repair service, or card issuer, and nothing on this site is financial, legal, or tax advice. A NAV figure is arithmetic on published terms and the inputs you chose. It is not a recommendation tailored to your circumstances. Your credit profile, approval odds, existing relationships, and a hundred other personal facts are outside the math. Decisions about applying for or using credit are yours.
3. Accuracy, and Its Limits
We work hard to get card data right and verify correctness. The numbers come from issuers' own published pages. Our methodology explains the whole system.
But issuers change terms whenever they like, and no data is ever perfect. So the site is provided "as is," without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or availability. Always verify current terms on the issuer's site before applying for anything. Every figure we show links back to its source.
4. How We Make Money
Right now, we don't. CardSpec is in beta and carries no affiliate links or paid placements. No issuer pays us anything today. If that changes, some links to card issuers may become affiliate links, where we could be paid a commission if you apply through them. When that happens, we will label those links and disclose the relationships here in accordance with FTC guidance, before any of it goes live.
One thing will not change: compensation will never affect rankings. NAV is the same deterministic formula for every card, whether or not an issuer ever pays us anything, and we say so publicly in our methodology.
5. We Are Not the Issuer
Card applications happen on issuers' sites, under issuers' terms. We are not a party to any agreement between you and a card issuer, and issuer names, logos, and card art appear here only to identify the products being compared. All trademarks belong to their owners.
6. Acceptable Use
You may use the site normally: browse, compare, calculate, share links. You may not scrape, bulk-download, or systematically extract the underlying dataset, probe, overload, or interfere with the service, or misrepresent CardSpec content as your own. If you want the data, ask us.
7. Our Content
The site's original content (rankings, analysis, methodology text, design, and code) belongs to CardSpec. You're welcome to quote or link with attribution.
8. Limitation of Liability
To the maximum extent permitted by law, CardSpec is not liable for any indirect, incidental, consequential, or special damages arising from your use of the site, nor for decisions you make in reliance on it. Our total liability for any claim is limited to one hundred U.S. dollars ($100). Some jurisdictions don't allow certain limitations, so parts of this section may not apply to you.
9. Changes
We may update these terms as the product evolves. The effective date above always reflects the current version, and material changes will be noted on this page. Continuing to use the site after a change means you accept it.
10. Governing Law
These terms are governed by the laws of the State of Georgia, without regard to conflict-of-law rules.