Terms and Conditions

1Agreement to these terms

These Terms and Conditions (“Terms”) govern your use of therewardsmaven.com (the “Site”), operated by Rewards Maven (“Rewards Maven,” “we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms and to our Privacy Policy. If you don't agree, please don't use the Site.

2What Rewards Maven is, and isn't

Rewards Maven publishes free news, reviews, comparisons and guides about credit cards, points, miles and travel rewards. Rewards Maven:

• Is not a bank, card issuer, lender, loan broker, credit repair organization or credit reporting agency
• Does not issue credit cards or make credit decisions
• Does not take applications or collect payment information
• Does not guarantee that you will be approved for any card or receive any offer
• Does not charge you to use the Site

Every approval, credit limit, interest rate, fee and bonus is decided by the card issuer alone.

3Information only, not financial advice

Everything on the Site is general information for educational purposes. It is not financial, tax, legal or investment advice, and it isn't tailored to your situation. Our ratings, “Maven's Picks” and recommendations reflect our editors' opinions. Before you apply for a card or make a financial decision, consider your own circumstances and, if needed, talk to a qualified professional.

4Offer details and accuracy

We work to keep card details current, but issuers change annual fees, APRs, welcome bonuses, earning rates and benefits often, sometimes without notice. Information on the Site may be out of date, incomplete or contain errors. The terms shown on the issuer's website at the time you apply are the ones that apply to you. Please review them carefully, including the issuer's rates, fees and eligibility rules.

Point and mile valuations, travel prices, award availability and redemption examples are estimates. Actual value depends on how and when you redeem.

5Advertiser disclosure

Rewards Maven is an independent, advertising-supported publisher. Many of the card offers on the Site come from companies that pay us when you click a link, apply or are approved. This compensation may affect how and where products appear on the Site, including the order in which they appear. Rewards Maven does not include every card company or every offer available. Our reviews reflect our editors' judgment, but please consider these relationships when you read our recommendations.

Opinions, reviews and recommendations on the Site are ours alone. They have not been reviewed, approved or endorsed by any card issuer, unless we say so.

6Third-party sites and offers

When you click an offer or link, you leave the Site and go to a third-party website. We don't control those sites and we aren't responsible for their content, products, terms, privacy practices or security. Your relationship with any card issuer or other third party, including any application you submit, is solely between you and that party.

7Who can use the Site

You must be at least 18 years old to use the Site. The Site is intended for residents of the United States. You agree to use it only for your own personal, non-commercial purposes and to give accurate information if you contact us.

8What you may not do

You agree not to:

• Use bots, scrapers, crawlers or other automated tools to copy or collect content from the Site without our written permission
• Copy, republish or redistribute our reviews, articles, rankings or images
• Interfere with the Site's security or operation, or try to access areas you aren't authorized to
• Upload or send viruses or other malicious code
• Generate fake clicks, traffic or referrals, or tamper with affiliate tracking links
• Send spam or unsolicited messages through our contact form
• Impersonate anyone, or use the Site for any unlawful purpose

We may block or restrict access to anyone who breaks these rules.

9Our content and trademarks

The Site's articles, reviews, ratings, graphics, logos, design and code are owned by Rewards Maven or its licensors and are protected by copyright, trademark and other laws. We give you a limited, personal, revocable right to view the Site and share links to it. You may not copy, modify, sell or create derivative works from our content without our written permission. Card names, issuer logos and other third-party trademarks belong to their owners and are used for identification only.

10Messages and feedback

If you send us comments, tips, suggestions or other feedback, you allow us to use it to improve the Site and our content without paying you or giving you credit. Please don't send us confidential or sensitive information, such as card numbers or account passwords.

11Copyright complaints

If you believe material on the Site infringes your copyright, send a written notice to the contact details in Section 19. Include:

• A description of the copyrighted work
• The URL or location of the material you say is infringing
• Your name, address, phone number and email
• A statement that you believe in good faith the use is not authorized
• A statement, under penalty of perjury, that your notice is accurate and that you are the owner or authorized to act for the owner
• Your physical or electronic signature

12Disclaimer of warranties

To the fullest extent permitted by law, the Site and all content are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose and non-infringement. Nothing here excludes any warranty or right the law doesn't allow us to exclude.

13Limitation of liability

To the fullest extent permitted by law, Rewards Maven and its owners, employees, writers and partners will not be liable for any indirect, incidental, special, consequential or punitive damages, or any lost profits, lost rewards or points, or denied applications, arising out of your use of the Site, any information on it, any card issuer's decision, or your dealings with any third party. Our total liability for any claim relating to the Site will not exceed one hundred U.S. dollars ($100).

Some states don't allow certain limits on liability, so some of these limits may not apply to you.

14Indemnification

To the extent permitted by law, you are responsible for losses and reasonable costs, including attorneys' fees, that Rewards Maven incurs because of your unlawful use of the Site, your material violation of these Terms, or your infringement of someone else's rights.

15Arbitration and class action waiver

Please read this section carefully. It affects how disputes are resolved.

You and Rewards Maven agree to resolve any dispute relating to the Site or these Terms through final, binding arbitration, instead of in court. Arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules, including its rules on fees, and governed by the Federal Arbitration Act. Hearings will take place remotely by phone or video unless the rules call for an in-person hearing.

• Individual claims only. Disputes will be resolved individually. You and we each waive the right to bring or join any class, collective or representative action.
• Small claims. Either party may bring an individual claim in small claims court instead, if it qualifies.
• Opt out. You may opt out of this arbitration agreement within 30 days of first using the Site after these Terms were posted by emailing info@therewardsmaven.com with the subject line “Arbitration Opt-Out” and your name. Opting out doesn't affect the rest of these Terms.
• Severability. If the class waiver is found unenforceable for a claim, that claim will go to court instead of arbitration. Nothing here waives rights the law doesn't allow you to waive.

16Governing law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law rules, except where the Federal Arbitration Act or another law must apply. Any claim not subject to arbitration will be brought in the state or federal courts located in New Jersey.

17Changes to the Site and these terms

We may change, suspend or discontinue any part of the Site at any time. We may also update these Terms. When we do, we will change the “Last updated” date at the top of this page. Changes apply going forward, and changes to Section 15 won't apply to a dispute that already exists.

18General

These Terms and our Privacy Policy are the entire agreement between you and Rewards Maven about the Site. If any part of these Terms is found unenforceable, the rest stays in effect. Our failure to enforce any provision is not a waiver. You may not transfer your rights under these Terms. We may assign them in connection with a merger, sale or reorganization. Provisions that by their nature should continue, including Sections 9 and 12 through 16, survive after you stop using the Site.

19Contact us

Questions about these Terms? Contact us: