Terms of Service

By accessing or using PayWithThis (the "Service"), including our website, mobile application, and browser extension, you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

PayWithThis provides editorial reviews, comparisons, rankings, and assessments of credit cards and reward programs. All content is provided for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Nothing on the Service is a recommendation to apply for, hold, or use any particular financial product.

You are solely responsible for your financial decisions. We strongly recommend consulting a qualified financial professional and reading the issuer’s official terms before applying for any credit card or financial product.

PayWithThis is an independent website. We are not affiliated with, endorsed by, or sponsored by any bank, card issuer, payment network, or other financial institution referenced on the Service. All third-party trademarks, product names, and logos are the property of their respective owners and are used for identification and editorial purposes only. See our Disclosures page for more detail.

Reward rates, annual fees, sign-up bonuses, redemption values, and card terms are set by the issuer and change frequently. While we make reasonable efforts to keep information current, we make no representations or warranties as to the accuracy, completeness, or timeliness of any content. You must verify all terms directly with the issuer before applying or making any decision based on information found here.

Point valuations, effective return percentages, and rankings are our editorial assessments based on our own methodology and assumptions. Actual value realized will vary based on individual spending, redemption choices, and issuer behavior.

The Service contains links to third-party websites, including issuer application pages, operated by parties that are not under our control. We provide these links for your convenience only. We are not responsible for the content, policies, or practices of any third-party site, and linking does not imply endorsement.

If you create an account, you are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You agree to provide accurate information and to notify us of any unauthorized use.

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms.
• Scrape, copy, or redistribute content from the Service without our written permission, except as permitted by fair use.
• Interfere with, disrupt, or attempt to gain unauthorized access to the Service or its underlying infrastructure.
• Use the Service or the browser extension to harvest data from third-party sites in a way that violates those sites’ terms.

The Service, including its original content, design, code, and editorial assessments, is the property of PayWithThis and is protected by copyright and other intellectual property laws. Third-party trademarks and card images remain the property of their respective owners.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PAYWITHTHIS AND ITS OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.

You agree to indemnify and hold harmless PayWithThis and its operators from any claims, damages, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the latest revision. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

These Terms are governed by the laws of the jurisdiction in which PayWithThis operates, without regard to conflict-of-law principles. Any disputes will be resolved in the courts of that jurisdiction unless otherwise required by law.

Questions about these Terms? Contact us at support@paywiththis.com.