Affiliate Disclosure

At RewardSmart, we believe in full transparency with our users. This Affiliate Disclosure explains how we earn money through affiliate partnerships and how this may affect the content and recommendations you see on our website and app.

1. Affiliate Relationships

RewardSmart participates in various affiliate marketing programs, which means we may earn commissions when you click on links to products or services and make a purchase or sign up. These affiliate relationships help us maintain and improve our free services.

1.1 Programs We Participate In

We are a participant in the following affiliate programs:

• Rakuten Advertising: We partner with Rakuten Advertising to earn commissions from qualifying purchases and credit card applications.
• Credit Card Issuer Programs: We may earn compensation from credit card issuers when users apply for and are approved for credit cards through our links.
• Other Affiliate Networks: We may participate in other affiliate programs from time to time to provide you with the best offers and deals.

2. How We Earn Commissions

We may earn commissions in the following ways:

• Credit Card Applications: When you apply for a credit card through our app or website and are approved, we may receive compensation from the card issuer.
• Product Purchases: When you click on affiliate links to retailers and make purchases, we may earn a percentage of the sale.
• Cashback Offers: Some cashback offers displayed in our app or browser extension may include affiliate commissions.
• Sign-Up Bonuses: We may earn compensation when you sign up for financial products or services through our links.

3. Our Commitment to Honest Recommendations

Your trust is our top priority. We want you to know that:

• Unbiased Recommendations: Our card recommendations are based on your actual spending patterns and the best rewards rates for your purchases, NOT on which cards pay us the highest commissions.
• Transparency: We clearly disclose when links are affiliate links and when we may earn compensation.
• No Extra Cost: Using our affiliate links does not cost you anything extra. Prices remain the same whether you use our links or go directly to the merchant.
• Honest Reviews: Our opinions and recommendations are our own. We do not allow affiliate relationships to influence our editorial content or card rankings.

4. How Affiliate Links Work

When you click on an affiliate link on our website or in our app, a small tracking cookie may be placed on your device. This cookie helps our affiliate partners track that the referral came from RewardSmart. If you make a purchase or complete an application within a certain time period (typically 24 hours to 30 days, depending on the program), we may earn a commission.

5. FTC Disclosure Compliance

In accordance with the Federal Trade Commission's guidelines concerning the use of endorsements and testimonials in advertising (16 CFR Part 255), we disclose the following:

• RewardSmart receives compensation for featured placement of certain products and services, or for clicks or purchases made through links on our website and app.
• This compensation may impact how and where products appear on our site (including the order in which they appear) but does not influence our editorial recommendations or advice.
• Not all credit cards or financial products available on the market are featured on our platform.

6. Third-Party Content

Our website and app may contain links to third-party websites and services. These third parties have their own privacy policies and terms of service. We are not responsible for the content, accuracy, or practices of these external sites.

7. No Guarantee of Approval

Please note that clicking on affiliate links or applying for credit cards through our platform does not guarantee approval. Credit card approval decisions are made solely by the card issuer based on their own criteria, including your credit history, income, and other factors.

8. Changes to This Disclosure

We may update this Affiliate Disclosure from time to time to reflect changes in our affiliate relationships or regulatory requirements. We encourage you to review this page periodically. Any changes will be posted on this page with an updated "Last Updated" date.

9. Questions?

If you have any questions about this Affiliate Disclosure or our affiliate relationships, please contact us:

• Email: [email protected]
• Website: rewardsmart.app