Terms of use – ApplyOrWait

Acceptance of terms

By accessing or using ApplyOrWait (applyorwait.com), you accept these Terms of use. If you do not agree, please do not use the site.

This site does not give financial advice

ApplyOrWait provides educational content and planning tools about credit card rewards. Nothing on this site is financial, legal, or tax advice, and ApplyOrWait is not a licensed financial advisor, broker, or credit counselor. The roadmap tool generates suggestions from the information you provide and publicly available card data. It does not know your full financial situation. Always do your own research and consider consulting a qualified professional before applying for credit products. Shared plan links carry your inputs in their URL; share them only with people you choose. Calendar reminders do not revalidate your eligibility.

Accuracy and current terms

Card offers, signup bonuses, annual fees, benefits, and issuer policies change frequently and without notice. We work to keep our card database current, but information on this site is presented without warranty of any kind and may be out of date. Always confirm the current terms on the issuer's official site before applying. Content on this site has not been reviewed, approved, or otherwise endorsed by any card issuer or bank.

Approval is the issuer’s decision

Fit and timing guidance is educational and based on your inputs and the rules we can check. Meeting those rules is not approval. ApplyOrWait does not perform credit checks or submit applications on your behalf. No guarantee is made that any issuer will approve you for any product; issuers make approval decisions based on your full credit profile and their own criteria.

Compensation disclosure

No affiliate programs are active today. Every card application link goes directly to the issuer, and we earn no commission from those links. If this changes, we will disclose it on our compensation page before activating affiliate links. Rankings never depend on payouts. See How we make money for details.

Limitation of liability

To the maximum extent permitted by law, ApplyOrWait and its operators are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or reliance on its content, including decisions to apply for or use any credit product. The site is provided "as is" without warranties of any kind, express or implied.

Intellectual property

Card names and issuer trademarks belong to their respective owners and are used for identification purposes only. Their use does not imply affiliation with or endorsement by the trademark owners. All other site content is owned by ApplyOrWait.

Changes to these terms

We may update these terms from time to time. Continued use of the site after changes take effect constitutes acceptance. Questions? Reach us via the contact page.