The short version
OneFolio does not currently earn a commission on any card or loan. Every Apply link goes straight to the issuer’s own site. The application happens directly with the issuer; we never see your application data.
What we recommend, and why
Our recommendation engine ranks cards on your actual spending and the cards you already own. We estimate each card’s annual rewards on our servers from your categorized spending and subtract the card’s annual fee. Cards are ranked by net value to you, not by commission to us. Your data is never sold or shared with issuers or networks. If no card in our catalog fits, we send your top spending categories and monthly averages, and which catalog cards you already have, without your name or account details, to our AI providers to suggest one.
If we ever join an affiliate program, a card without one will still be recommended when it fits you best, with a link directly to the issuer’s site. We’d rather you have the right card than the one that pays us.
What we don't do
- We don’t weight recommendations by commission size.
- We don’t hide cards that don’t pay a commission.
- We don’t share your transaction data, application data, or contact information with issuers or affiliate networks.
- We don’t earn a commission from your existing cards or from card benefits you redeem.
Affiliate networks
If we join an issuer’s program or an affiliate network (for example CardRatings, FlexOffers or Bankrate), we will update this page first and name the network next to that card’s Apply button.
FTC compliance
This disclosure is provided in accordance with the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 CFR Part 255). If you have questions, you can reach us at admin@1folio.ai.