Important: We are not financial advisors. These recommendations are for informational purposes only. Credit card approval depends on your creditworthiness. Please review all terms on the issuer's website before applying. Rates and bonuses are subject to change.
Editor's Picks
Top Travel Cards 2025
Can't decide? These three are consistently winners.
Best Overall
Chase Sapphire Preferred®
Chase Sapphire Preferred®
Best starter travel card. Huge bonus, flexible points, great partners.
By accessing and using Award Concierge ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.
2. Nature of Service
Award Concierge provides informational content about credit card products for educational purposes only. We are NOT:
A financial advisor, broker, or credit counselor
A credit card issuer or lender
Providing personalized financial advice
3. No Financial Advice
The content on this Site is for informational purposes only and should not be construed as financial advice. You should consult with a qualified financial professional before making any financial decisions. Credit card approval is determined by the card issuer and depends on your individual creditworthiness.
4. Accuracy of Information
While we strive to provide accurate and up-to-date information, credit card terms, rates, fees, and bonuses change frequently. We make no warranties about the accuracy, completeness, or reliability of any information on this Site. Always verify current terms directly with the card issuer before applying.
5. Affiliate Relationships
We may receive compensation from credit card companies when users click on links or apply for cards through our Site. This compensation may affect the order in which products appear but does not influence our editorial content or recommendations.
6. Third-Party Links
Our Site contains links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these external sites.
7. Limitation of Liability
Award Concierge shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Site or any credit card products you apply for based on information found here.
8. Changes to Terms
We reserve the right to modify these terms at any time. Continued use of the Site after changes constitutes acceptance of the new terms.
Privacy Policy
Last Updated: January 2025
1. Information We Collect
Award Concierge collects minimal information:
Quiz Responses: Your quiz answers are processed locally in your browser and are NOT stored on our servers or transmitted to us.
Analytics Data: We use Google Analytics to collect anonymous usage data including pages visited, time on site, and general geographic location.
Cookies: We use cookies for analytics and to improve your experience.
2. Information We Do NOT Collect
We do NOT collect:
Personal identifying information (name, address, phone number)
Financial information (credit score, income, Social Security number)
Credit card application data
3. How We Use Information
Analytics data is used solely to improve our Site and understand how visitors interact with our content. We do not sell or share personal data with third parties for marketing purposes.
4. Third-Party Services
When you click on credit card links, you leave our Site and interact directly with the card issuer. Please review their privacy policy for information about how they handle your data during the application process.
5. Your Rights
You have the right to request information about data we may have collected. Contact us for any privacy-related inquiries.
Advertiser Disclosure
Last Updated: January 2025
How We Make Money
Award Concierge is a free resource supported by advertising. We may receive compensation from credit card issuers when you:
Click on links to credit card products
Apply for and are approved for a credit card
How This Affects Our Content
What compensation MAY influence:
The order in which products appear on our Site
Which products we choose to feature prominently
What compensation does NOT influence:
Our editorial ratings and recommendations
The accuracy of information we provide
Our quiz algorithm and card matching logic
Our Editorial Standards
Our recommendations are based on independent research considering factors such as sign-up bonuses, rewards rates, annual fees, perks, and overall value for different types of travelers.
Not All Products Included
We do not feature every credit card available in the market. Our Site includes products from companies that compensate us, as well as some that do not.
Verify All Information
Credit card terms change frequently. Always verify current rates, fees, bonuses, and terms directly with the card issuer before applying.