Advertiser Disclosure
Last Updated: January 24, 2026
How We Make Money
We earn commissions when you apply for credit cards through our links.
Editorial Independence
Our opinions and ratings are our own and not influenced by advertisers.
Free for You
You never pay extra when applying through our site.
Full Transparency
We clearly disclose when we may earn compensation.
How We Earn Money
CardClassroom is a free service that earns money through affiliate partnerships with credit card issuers and financial institutions. When you click on links to credit card offers on our site and successfully apply for and receive a card, we may receive compensation from the card issuer.
This compensation allows us to:
- Keep our service free for users
- Maintain and improve our comparison tools
- Research and provide detailed card information
- Develop new features and calculators
What This Means For You
You will never pay more when applying through our links. Credit card terms, rates, and rewards are exactly the same whether you apply through our site or directly with the issuer.
In fact, we often feature exclusive offers and sign-up bonuses that may not be available elsewhere.
How Compensation May Affect Our Site
Compensation from our partners may influence:
- Product Placement: The order in which cards appear in comparison tables
- Featured Status: Which cards we highlight as "Featured" or "Editor's Choice"
- Coverage: Which cards we include on our site
How We Maintain Editorial Independence
While we may be compensated by partners, we are committed to providing honest, unbiased information:
- Independent Ratings: Our card ratings are based on objective criteria including rewards value, fees, APR, and features—not compensation.
- Honest Reviews: We include both pros and cons for every card, even if we earn from that card.
- No Pay-for-Play: Advertisers cannot pay for positive reviews or higher ratings.
- Comprehensive Coverage: We include cards from non-partners when they're among the best options.
Cards We Cover
We currently cover cards from these major issuers:
- Chase
- American Express
- Capital One
- Citi
- Discover
- Bank of America
- Wells Fargo
- U.S. Bank
Not every link on this site is an active affiliate link today. Some links point directly to the issuer at no benefit to us — we are still in the process of establishing affiliate partnerships and applying to affiliate networks. Wherever a link is an active affiliate relationship, that is disclosed at the point of the link. This page will be updated as partnerships go live.
How to Identify Affiliate Links
We mark affiliate relationships in several ways:
- An information icon (ℹ️) near "Apply Now" buttons
- Disclosure text stating "We may earn a commission"
- Page-level disclosure banners on comparison pages
Questions?
If you have questions about our advertising relationships or editorial process, please contact us at:
- Email: disclosure@cardclassroom.com