We're Not Bankers.
Thank God.
Most credit card advice is written by guys in suits who haven't worried about an overdraft fee since 1998. We're different.
The Origin Story (It’s Not Glamorous)
CardSnark started with a simple realization: Credit card companies rely on you being confused.
They use terms like "APR," "variable prime rates," and "revolving utilization" to keep you in the dark while they quietly siphon 25% interest from your paycheck. I was tired of seeing my friends get fleeced by predatory lenders just because they didn't understand the fine print.
So, I built this site. It’s not run by a hedge fund. It’s run on caffeine and spite.
Our 3 Simple Rules
How we operate differently from the giants.
No Corporate Speak
If we can't explain a credit card benefit in plain English, it's probably a scam. We translate "banker" into "human."
Math > Marketing
Banks love to dangle "60,000 Points!" while hiding a $695 annual fee. We do the math to see if you actually come out ahead.
If It Sucks, We Say It
Most review sites are afraid to offend the banks. We aren't. If a card has predatory fees, we will tell you to stay away.
JJ
Founder & Chief Snark Officer
"Wait, how do you make money?"
Good question. We believe in radical transparency.
CardSnark is free for you to use. We keep the lights on through affiliate commissions. This means if you click a link on our site and get approved for a card, the bank pays us a referral fee.
We would rather be honest and poor than rich and liars. (Okay, rich and honest would be nice, but you get the point).
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