Some links to credit cards on WorthTheFee earn us a commission when you're approved for a new account. You pay nothing extra. The card issuer pays an affiliate network, and the network pays us.

This is how we keep the core product — card tracking, ROI math, statement scanning — free for one card forever.

• CJ Affiliate (Commission Junction)
• FlexOffers
• Impact
• Bankrate Affiliate Network

Cards available through these networks display an "Apply" button that routes through the affiliate link. Cards we don't have an affiliate relationship with are still fully tracked and shown identically — they just route to the issuer's site directly.

1. You click Apply on a card page.
2. You're routed through an affiliate network's tracked link to the issuer's official application.
3. You apply directly with the issuer. We never see your application data.
4. If you're approved, the issuer pays the affiliate network a flat commission per approved account. The network pays us a share.

We never receive ongoing commission. We don't earn on your spend, your rewards, or your fees.

• Sorted by user value, not payout. Default sort on every comparison view is ROI, fee, or category fit — never commission amount.
• "Cancel" is a verdict. We surface cancel and downgrade recommendations as readily as apply. We have no incentive to talk you out of cancelling.
• No paid placements. No issuer can pay us to feature their card. Our card library is editorial.
• Same data for every card. Whether or not we earn a commission, the benefit data, ROI math, and verdict logic are identical.

If you'd prefer not to use affiliate links, you can always navigate to the issuer's site directly. Search "Amex Platinum" or "Chase Sapphire Reserve" and apply from there — your benefits are identical, and we're happy to track the card for you regardless of how you applied.

If you want to support the product, applying through our links costs you nothing and helps us keep building.