Terms of Service

Last updated: November 2026

These terms cover the Cardful browser extension, the website at cardful.xyz, and the optional Cardful Pro subscription. Using any of them means you accept them. If you do not, do not install the extension.

Cardful is operated from the United States. Questions about anything here go to keys@cardful.xyz.

What Cardful is

Cardful tells you which of the credit cards you already hold is likely to earn the most on a given purchase, using published reward rates that are recorded in the extension itself.

It is not financial advice. A recommendation is arithmetic over a rate table, not a judgement about your finances. It does not know your balance, your interest rate, your credit limit or whether carrying a balance would cost you more than any reward is worth. Decisions about which card to use, and whether to spend at all, are yours.

We are not affiliated with any card issuer or network. American Express, Chase, Citi, Capital One, Discover, Bank of America, Wells Fargo, Visa, Mastercard and every other name that appears in the product belongs to its owner, and is used only to describe the cards you told us you carry. No issuer sponsors, endorses or reviews Cardful.

Rates change without notice, and we can be wrong. We check rates against issuers regularly, date every card with when it was last confirmed, and show you a warning on any card we have not confirmed. That is a real effort, not a guarantee. Before you rely on a number for anything that matters, confirm it with your issuer — their terms govern what you actually earn, not ours.

What is free, and stays free

The recommendation itself is free and always will be: ranking, every merchant, the checkout overlay, unlimited cards, rotating categories, the cheat sheet and your own point valuations. We will not put the answer behind a payment.

Cardful Pro

Pro is $2.99 a month or $29.99 a year, whichever you choose at checkout. It covers the labour-saving features — automatically activating card offers, the offers dashboard, syncing between your devices and bank sync in the iPhone app.

• It renews automatically every month or every year, as you chose, at the then-current price until you cancel. We will tell you by email before the price changes.
• Pro goes on your email address. Sign in to Cardful with the address you paid with, on as many of your own devices as you like, and Pro turns on by itself. It keeps working for a while without a connection.
• Cancel any time with Manage subscription on your wallet at cardful.xyz, or by emailing keys@cardful.xyz. Cancelling stops the next renewal; the month or year you have paid for runs to its end.
• Refunds: ask within 30 days of a charge and we will refund it.
• One Pro covers a household of two. If you invite a partner from your wallet at cardful.xyz and they accept, Pro on either of your addresses covers both of you for as long as it runs. Either of you can stop sharing at any time, and each of you then has only your own Pro.
• Pro is for you. Sharing your sign-in beyond your own household is not permitted, and we may stop renewing an account that does.
• Payment is handled by Stripe. We never see or hold your card details.

Your data

Short version: the extension sends nothing anywhere unless you sign in to sync, and with sync on your cards, point values and (with Pro) offers are stored under your account, which no other account can read. The full account, including exactly what the extension reads on a page and what it refuses to, is in the privacy policy, which is part of these terms.

Two consequences worth stating here because they are not reversible:

• Deleting your data is immediate and final. "Delete my data on the server" removes those rows. We have no backup of them to restore.

Bank sync in the iPhone app

If you use bank sync, you are asking Cardful to sign in to your bank on your behalf, with a login you choose to save on your phone. It is your account and your decision. Automated access may conflict with your bank's terms, and your bank may ask you to verify yourself, restrict access, or lock your account. We do not control that and cannot undo it. If you change a security setting at your bank so the app can sign in without a code, that change is yours, it applies to your account beyond Cardful, and turning bank sync off does not reverse it. Do not save a login that is not yours. Keep your phone protected with a passcode. You can stop at any time by turning saved logins off.

What we do not promise

Cardful is provided as it is, without warranty of any kind. We do not promise that it will be available without interruption, that it will work with every website, or that every rate in it is current. We do not promise that a bank sync will run at any particular time, that any offer will be found or added, or that your bank will continue to allow it.

To the fullest extent the law allows, we are not liable for indirect or consequential loss, or for any reward you did not earn, fee you were charged, or purchase you made after reading a recommendation. Where liability cannot be excluded, it is limited to what you paid us in the twelve months before the claim — which for most people is nothing, and at most twelve months of Pro.

Nothing here limits liability for fraud, or anything else that cannot lawfully be limited. If you are a consumer, you keep whatever rights your local law gives you regardless of what this says.

Ending it

You can stop at any time by removing the extension. We may suspend or stop serving someone who is attacking the service, reselling access to Pro, or breaking the law with it — and if we ever shut Cardful down, we will say so by email to Pro subscribers and refund the unused part of the year.

Changes

We will update this page when these terms change and move the date at the top. A change that materially reduces what you get as a Pro subscriber will be sent to you by email before it takes effect, and you can cancel and be refunded the unused part of the year if you do not accept it.