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Use this site at your own risk.

• Not financial advice. Information here is for general education. It is not advice about which card to open, keep, or cancel.
• Data may lag issuers. Benefits, fees, and credits change. Confirm every amount and rule on the issuer or program’s official pages before you act.
• No guarantees. We do not guarantee approval, offer availability, or that a credit will post to your account.
• Your responsibility. You are responsible for how you use any information from this site.
• As-is. Information on this site is accurate to the best of our knowledge but is provided as-is, without warranties of any kind.
• Liability. We are not liable for any loss or damage arising from your use of this site or reliance on its information.
• No affiliation. Perk Optimizer is not affiliated with or endorsed by any card issuer, bank, airline, hotel, or rewards program. All trademarks belong to their owners.