Affiliate Disclosure
Last updated November 1, 2026
How affiliate links work here
Some links on 524Tracker that point to a card issuer's website are affiliate links. They pass through an affiliate network (for example CJ Affiliate) before reaching the issuer. Pages that carry these links show a short affiliate disclosure next to them, and affiliate links are tagged so search engines can identify them as sponsored.
How the site earns commissions
If a visitor follows an affiliate link, applies for a card, and is approved, the issuer or its affiliate network may pay the site operator a commission. The commission comes out of the issuer's marketing budget. It does not add any cost to the applicant, and it does not change the offer the issuer shows. Not every outbound link is an affiliate link: links without a network relationship go straight to the issuer's public pages and earn nothing.
Commissions do not set the tool output
The tracker and calculators on this site run entirely on dates and values the visitor enters. Affiliate relationships never feed into a count, a calculation, or a reference date, and no issuer pays to change how the tools describe its application patterns. Card lists shown next to the tools are informational starting points for a reader's own research. They are not rankings, ratings, or personalized recommendations, and a card's presence in a list does not mean it suits any particular reader.
Why offers must be confirmed with the issuer
524Tracker does not restate card bonuses, annual fees, APRs, or other offer terms as its own claims, because those terms change and vary by applicant. The issuer's current offer page is the controlling source. Review it, including the pricing and terms document linked from it, before applying. A community-observed pattern such as 5/24 is also not an issuer policy and cannot predict an application decision.
Questions
Questions about this disclosure or about a specific link can be sent through the contact page. Corrections to how a relationship is described are welcome and are handled under the site's editorial and sourcing policy.
Written and maintained by Jason Ramirez, creator of 524Tracker. Jason writes from personal credit-rebuilding and software-building experience; he is not a licensed financial advisor or credit counselor.
This tool is for informational and educational purposes only. Credit card application practices, offer terms, and approval decisions change and vary by applicant. Community observations are not issuer policies. Always review the exact current offer and terms directly with the issuer before applying. The site cannot determine eligibility, guarantee approval or bonus eligibility, or predict credit-score impact. This is not financial advice.