To use the CardOffers.com website and services, you must first read and agree to all of our agreements and policies listed below.

1. Privacy Policy
2. Web Site Terms of Use
3. General Membership Agreement
4. Card Perks™ Section

The policies and agreements posted on this page apply to all pages and sections found within CardOffers.com, such as (but not limited to):

• Credit Cards
• Card Perks
• Commentaries
• Membership

• Information collected through online forms provided by CardOffers.com, such as (but not limited to) personal names, mailing addresses, e-mail addresses, IP addresses, will not be distributed or sold to any third party and will be held to strict confidentiality. Any information submitted during time of registration is also held to strict confidentiality.
• Personal information, such as e-mail addresses and user names are used mainly to recognize individual members and/or online viewers. In the event CardOffers.com needs to contact an individual, CardOffers.com may use submitted personal information to offer technical assistance, service updates, or membership information.
• Any service subscribed to via a designated form residing on the CardOffers.com server, can be unsubscribed to, at the users requests.
• Cookies are used within the Membership Area and are strictly designed to recognize the user and do not disclose any personal information. The use of cookies is required to access certain areas within CardOffers.com.
• General comments posted via the Cardholder Review Form are posted online and made available to the general public, with the exception of IP Addresses and E-mail Addresses.

a) Links to External Third Party Web Sites - CardOffers.com at any time may contain links to other websites throughout the Internet, any links to such sites are operated and/or owned by third parties. CardOffers.com may not be held liable for any inaccuracies of these links, availability of information, and/or the content of information that may be found within third party website(s).

b) Freedom From Errors - Every effort has been taken to make sure that all  information is accurate within CardOffers.com, but there is no guarantee and/or warranty to the accuracy of any information found within the website.  Contact information has been provided for credit card companies and issuers for viewers of the website, this information is believed to be accurate during the time of publishing, but CardOffers.com will not be held liable for any inaccuracies.

c) Affiliations with Third Parties - CardOffers.com is not associated with the credit cards, or the issuers of the credit cards, or any other U.S. company or organization (private, public, or governmental) that may be listed throughout the website, except for affiliate programs that advertise their products or services throughout CardOffers.com, either through banner advertisements or direct text links. Affiliate partners who have an advertising relationship with CardOffers.com do not have any influence on the opinions and/or reviews posted by the members of CardOffers.com, as all credit card products and services are given equal and unbiased evaluations. However, affiliate partners may receive additional exposure throughout various sections within the CardOffers.com website.

d) No Relation to Company Logos and/or Trademarks - CardOffers.com makes no claim of any form of relationship, or ownership to any of the logos, or trademarks of any credit card issuer whose credit cards may be listed throughout the website of CardOffers.com.

e) Usage of Content - No information or content found within CardOffers.com may be copied without the prior written consent of one, or more of the members of CardOffers.com, for that of commercial, or noncommercial usage.

f) Message Boards / Posted Cardholder Comments - Reviews and evaluations posted within CardOffers.com by Internet users are based on the individual's personal opinion, and do not reflect the opinion of CardOffers.com, or any of it's members. Though CardOffers.com regularly monitors all posted messages for abusive or inappropriate content, it is not responsible for the opinions, evaluations, or reviews posted by Internet users. 

g) Credit Card Reviews & Ratings - Reviews posted by members of CardOffers.com are designed to offer educational and informative information on various U.S. issued credit card products. Reviews and ratings are based on personal opinion only, and do not reflect the opinions or needs of various Internet viewers and/or cardholders. Any serious consideration of a credit card product, or service should not be based solely on the comments, or opinions posted within CardOffers.com.

h) Warranty / Limitation Disclaimer - You, the Internet viewer, understand and agree that the use of this website is for use at your own risk. No liability shall be held against CardOffers.com for any interruption in service, or for any inaccuracies, or lack of reliability of which may be involved, nor does CardOffers.com warrant against the results of such possible incidences that may cause damages and/or inconveniences to the Internet viewer. CardOffers.com will not be held liable for any possible consequential, or any indirect damages that may be brought upon by the use, or inability to use the website CardOffers.com.

i) Final Notation - CardOffers.com may suspend, change, or stop the service, or any aspect of the website (i.e. internal web pages) at any time during operation, including but not limited to any database, message boards, e-mail addresses, or other content without any prior notification, or liability. This agreement may also be changed, or modified by CardOffers.com at any time once the website is active. By using the website, you are bound to the terms and conditions set forth within, once the terms and conditions can no longer be accepted, access to the website, CardOffers.com, should no longer be obtained.

The CardOffers.com General Membership Agreement is an agreement between you (the member) and CardOffers.com. Your use of the services within the General Membership Area is conditioned on your acceptance of this Agreement. Once registering online via our Membership Registration Form, you accept and agree to be bound by all the terms and conditions of the Agreement set forth.

a) Services - CardOffers.com will provide services for which you registered through CardOffers.com's website, all of which are subject to the terms and conditions of the "General Membership Agreement", "Privacy Policies" and "Web Site Terms of Use" described within this document. CardOffers.com reserves the right to modify any service during any period of time in its sole discretion.

b) Registration - In order to have access to CardOffers.com's Membership Area, online visitors must first complete the registration form, with submitted data (to be kept on file) such as (but not limited to); personal name, e-mail address, mailing address, usernames, and passwords. CardOffers.com reserves the right to terminate or reject any registered request for any reason.

c) Member Information - Those who complete the membership registration form are responsible for submitting correct personal information during the time of registration. Members who do not wish to participate in the "Cash Rewards" program do not require to submit their address information in order to become a registered member. Any future changes required by a member, must be submitted by the member via his or her membership account. Any changes made by a registered members is the sole responsibility of the member.

d) One Account per Member - Only one membership account is allowed per person. Numerous accounts are not allowed and may result in forfeiture of earned rewards. Registered members must be at least 18 years old. All members must be a US resident.

e) Cash Rewards Program - CardOffers.com may occasionally post special promotional offers via affiliate programs. The program is optional for all members. Members who choose to participate in the program are responsible to keep all "Member Information" up-to-date, for future payment, tracking, and contact information. This service is available to US residents only. Please note that not all of the cards offered through CardOffers.com are eligible for the cash rewards program. To apply only for cards within the cash rewards program, stay within the Membership section of the site, or look for the green apply button.

f) Payments to Members - Members who choose to participate in the "Cash Rewards" program are eligible to receive payments, which are solely dependent on the member's participation of the program. Members who select a "Special Offer" posted by CardOffers.com via the Membership Area only, complete the application and/or service provided by the advertiser, and are approved and/or complete the transaction that is requested by the advertiser and/or CardOffers.com, will then be credited 'x' amount of cash bonus awards via the members established account with CardOffers.com. There is a maximum of two credit cards that can be approved for the cash reward by each individual who is a CardOffers.com member for every year of membership. Though members can apply for more than two credit cards, the member will only be compensated for a maximum of two credit cards. Payments are not made to individuals who have generated duplicate credit card approvals or duplicate membership accounts. Family, friends or other users who have been referred must create their own unique free membership account to earn cash rewards from CardOffers.com. Payments are made by check, which are made payable to the 'First and Last Name' on file, and will only be sent to members who have a mailing address on file. It is the responsibility of the member to provide accurate mailing information.

g) Frequency of Payments - Payments are made on a monthly basis and are dependent on the transaction reports provided by CardOffers.com's advertisers. Once CardOffers.com receives a transaction report, only those members whose Membership Identification Number (a unique identifier assigned to each member during registration) is listed under "Approved Sale" or "Approved Lead" will then be compensated the cash bonus for the specific product or service listed in the "Cash Rewards" section in which the member has actively participated in. At the end of each month, all cash bonuses for each registered member will be compiled and will determine the payout rate for each member. Checks will be sent to qualifying members 6 - 8 weeks after they have posted by CardOffers.com, but will post in the membership account as soon as the member is approved. Note: cash bonuses will not be credited to a member account until the transaction report is received from the advertiser. The time in which the transaction report is delivered varies among advertisers, and may range anywhere from 24 hours up to 3 - 4 weeks, depending on the credit card applied for. We generally recommend members to allow up to 5 - 10 weeks prior to contacting CardOffers.com support department on any transaction not displayed. CardOffers.com will do the best to pay members on a timely basis within the 6 – 8 week window since approval, if at times there are delays from advertisers, members understand that payments may be slightly delayed to members who are approved for a credit card.

h) Tracking Member Activity - CardOffers.com uses various tracking technologies in conjunction with third party advertising affiliates. In most cases, the tracking used will require a cookie to be placed onto the member's computer. This is required in order to fully track the member activity and to assure that the member is credited for any completed application for a specified product or service. Members must have their browser enable cookies in order to part take in the program. Members must click on the green apply button to have the approval track back to the member's CardOffers.com account. The green apply buttons are located throughout the CardOffers.com site and only apply to those credit cards in where cash rewards are offered by CardOffers.com.

i) Downtime / Site Inactivity - During times of maintenance or other unforeseen occurrences, CardOffers.com and/or advertisers who participate in the "Cash Rewards" program may be temporarily unavailable. Down times may vary and may be the result of various circumstances, many of which may not be the sole responsibility of CardOffers.com. Nevertheless, during such circumstances, CardOffers.com will actively work on resolving the problem, but cannot be held responsible for any for any inconveniences or loss of earned cash bonuses of members.

j) Nonpayment from Advertiser - In the rare event an advertiser does not compensate CardOffers.com for a "Special Offer" that has already been promoted to members, CardOffers.com at it's sole discretion, may choose to reverse any earned rewards that have been processed to members.

k) Fraudulent Activity - CardOffers.com uses various technologies to track and determine whether members overextend, or otherwise abuse the membership area and/or reward program. In the event CardOffers.com determines fraudulent activity, the membership account will be closed and any earned rewards forfeited.

l) Alterations to Links - No alterations can be made to links provided to members within the Membership Area. Any alterations made to any link may result in loss rewards, incomplete tracking, and/or the cancellation of the member account.

M) Payment Disclosures - CardOffers.com reserves the right to increase or decrease cash reward payouts at anytime without notification to members. Payouts displayed online are for reference purposes to members and may or may not be the final payout given to the member once the credit card is approved. Changes to payouts displayed may be the result of advertiser changes in payout policies and/or technical issues that result in incorrect information being displayed online.

N) Termination of Program - CardOffers.com reserves the right to add, remove, and/or update any service provided within the Membership Area. CardOffers.com may contact members about any additional services and/or adjustments to the program. But CardOffers.com has no obligation, under any circumstance, to contact members about changes made within the Membership Area. In the event the "Cash Rewards" program is terminated, any current members whose balances are greater than $10 will be paid accordingly within a 6-month period. Any balances less than $10 will be closed with no further compensation offered to members, and all non-used cash bonuses will expire.

O) Refer a Friend - Members who choose to participate in the "Refer-A-Friend" program are eligible to receive payments in the amount of $20 when their friends are approved for credit cards applied for through the CardOffers.com Membership Section. There is a limit of $20 that can be earned per referred friend; however, there is no limit to the amount of friends that can be referred by one person; or the amount of rewards that a member can receive for referring their friends. However, duplicate or fraudulent accounts will not qualify. Both the referring party and the new party must have active membership accounts with CardOffers.com to be eligible for the program. CardOffers.com reserves the right to modify the program at anytime.

Agreement of these conditions are required in order to become a member of CardOffers.com.

Cardoffers.com provides links to selected merchants for your convenience only. Cardoffers.com, Inc. shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the services provided by Cardoffers.com, Inc. Cardoffers.com, Inc. is not responsible for the contents of any off-site pages referenced. Referencing off-site pages or any commercial product or service does not necessarily constitute or imply its endorsement or recommendation by Cardoffers.com, Inc. Cardoffers.com, Inc. nor any of its employees makes any warranty, express or implied, or assumes any legal liability or responsibility for the accuracy, completeness or usefulness of any information from documents available from this site.