The deal, in plain language

What Credit Upside is

Credit Upside is an analysis tool. It reads spending data you provide — a CSV you upload, or accounts you link — and estimates how credit card rewards apply to it. Estimates is the operative word: card terms change frequently, our data can lag, and our valuations of points are assumptions you can and should adjust.

What it is not

It is not financial, legal, or tax advice, and we are not a licensed adviser, broker, or bank. Nothing here accounts for your income, credit profile, or circumstances. Decisions about opening cards, moving spending, or carrying balances are yours, and verifying current terms with the issuer before acting is on you.

Your account

• You must be at least 18 and able to enter a contract to create an account.
• You're responsible for your password. We store only a cryptographic hash of it and cannot recover it for you — only reset it.
• By creating an account you agree to receive service email electronically: verification and sign-in codes, password-reset links, and (unless you turn it off in Settings) the monthly credit-expiry digest. Codes are how sign-in works, so they can't be disabled while you have an account.
• You may delete your account at any time from Settings. Deletion disconnects linked banks at the source and erases your stored data. It is immediate and irreversible.
• We may suspend or close accounts used to abuse the service — scraping, attacking, or attempting to access other users' data — and will tell you if we do, unless the law prevents it.

Linking a bank

Bank connections are provided by Plaid. By linking an account you authorize Plaid to access it on your behalf, read-only, and agree to the Plaid End User Privacy Policy. You can revoke that authorization any time by disconnecting the institution in the app, which also revokes it at Plaid.

Compensation

We may earn a commission when you open a card through certain links. This never affects rankings — the ranking code has no access to which cards pay us, and every paying card is labelled. Details in the advertiser disclosure.

Liability, honestly

The service is provided as-is, without warranties of any kind. We work hard on accuracy and err conservative on purpose, but we do not guarantee any figure on this site, and we are not liable for decisions made from it, to the fullest extent the law allows. Where liability can't be excluded, our total liability for any claim is capped at the greater of $100 or what you paid us in the past 12 months (today: nothing, since the service is free). If a number matters to a real decision, verify it with the issuer first.

Governing law & disputes

These terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law rules. Before any formal dispute, email admin@creditupside.com — most problems are a bug report, and we fix those fast. Any dispute that can't be resolved informally belongs in the state or federal courts of Monmouth County, New Jersey, and each side pays its own costs. Nothing here limits rights your local consumer law doesn't allow contracts to waive.

Changes

If these terms change materially, the date above changes and account holders will be told. Continued use after that is acceptance.

Credit Upside LLC · 3535 Route 66, Building 2 Suite 2, Neptune City, NJ 07753