Credit Card Directory - Ratings are based on the CardOffers.com rating system for each credit card within the same category listed in the Credit Card Directory. It is important to note that the posted ratings should not be the only factor in helping you decide which credit card is right for you, as many of the credit cards listed are not suited for all types of individuals. Reviews are believed to be accurate during time of evaluation, however, information posted may change after the review date, therefore, online visitors should first contact the credit card issuer to verify all information. To learn more about how credit cards are evaluated, click here. Cardholder Reviews - Posted cardholder reviews are the opinions and expressions of online viewers who have completed our online cardholder review form. CardOffers.com regularly monitors all posts, but does not approve, nor can be held responsible for information that is posted online. About Links - Links of non-sponsored credit cards are the property of the card issuer. When selected, visitors will leave the CardOffers.com domain and be taken to the card issuer website. Terms and Conditions - By entering this site you agree to the Terms and Conditions of CardOffers.com. Information Source - The Credit Card Directory and Cardholder Review section are provided by CardOffers.com. Learn more about the Partnership Network .