wealthgeist
What the service provides
WealthGeist provides card information and educational reward estimates. It does not issue cards, submit applications on your behalf, decide credit eligibility, or provide personal financial, tax or legal advice. The separate invitation-only budgeting application is outside this public service.
You may browse without an account. Use the analyzer only with information you are entitled to use. The service is intended for people who have reached the age of majority where they live.
Estimates are not promises
Results depend on your inputs, transaction matching, supported card rules and assumptions. Coverage is incomplete. Issuer coding, reward eligibility, fees, caps, redemption choices and offers can differ from the estimate or change after a source is checked.
The analyzer assumes your balance is paid in full and does not calculate interest. Multi-year figures repeat current terms; they are not forecasts of scheduled future changes. Read the methodology and check the issuer’s current terms before applying, switching cards or spending.
Your choices and data
You remain responsible for financial decisions and for reviewing information you rely on. Do not spend more or borrow merely to obtain rewards. Approval, credit limits, rates and offer eligibility are determined by the issuer.
Statement processing is browser-local. Tab storage, optional device saving and their deletion controls are explained in the Privacy Policy. Keep a separate copy of any source records you need; the analyzer is not a records backup service.
Responsible use
Do not attempt unauthorized access, interfere with the service, upload malicious content, or use the site to collect another person’s private information. Do not misrepresent yourself as WealthGeist or imply that we or an issuer endorse you.
Public facts remain subject to applicable law. WealthGeist’s original software, writing and graphics, and third-party names or materials, retain their respective rights. Public availability does not grant a licence to republish protected material or use third-party branding.
External websites and compensation
Issuer and partner websites have their own terms and privacy practices. WealthGeist is not responsible for their applications or decisions. Some application links may earn us compensation, as explained in our affiliate disclosure. Compensation does not determine our calculations or rankings.
Availability, errors and your rights
We aim to provide useful, accurate information but cannot promise uninterrupted service or error-free content. We may correct information, change features or stop offering a feature. To the extent permitted by applicable law, the service is provided without a guarantee of a particular financial result.
Nothing in these terms excludes rights or protections that applicable law does not allow to be excluded. Contact support@wealthgeist.com about an error, concern or dispute so we can review it.
Changes to these terms
We will publish revised terms here with an updated date. Material changes to data use will also be reflected in the Privacy Policy and, where required, brought to your attention before that new use.