Terms of use
Last updated: July 2026
Not financial advice
Cardence is an informational tool. Its recommendations are estimates generated from published credit-card reward rates and the details you provide. They are not financial, investment, or tax advice, and Cardence is not a financial advisor, broker, or agent of any bank or card issuer. Always confirm current reward rates, caps, fees, and offers directly with your card issuer before making a purchase decision.
Accuracy & live offers
Reward-rate data is verified periodically (currently as of July 2026) but bank terms change frequently. Cardence does not yet track time-limited bank offers or instant discounts, which can outweigh base rewards. We make no guarantee that a recommended card is the optimal choice for a given transaction.
Limitation of liability
Cardence is provided “as is,” without warranties of any kind. To the extent permitted by law, we are not liable for any loss arising from decisions made based on recommendations, or from any inaccuracy or unavailability of the service.
Acceptable use
Use Cardence for your own personal, non-commercial card decisions. Don't attempt to scrape, overload, reverse-engineer, or abuse the service or its APIs.
Contact
Questions? Email hello@cardence.app.