Affiliate Disclosure
Last updated: April 2026
The short version
When you click an “Apply” button on a credit-card recommendation in OneFolio and you’re subsequently approved for that card, we may receive a commission from the issuer or from a third-party affiliate network. This commission does not change the cost or terms of the card to you. 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 compute estimated annual rewards based on your transaction history (looked at locally, never sold) and subtract the card’s annual fee. Cards are ranked by net value to you, not by commission to us.
If a card we’d genuinely recommend has no affiliate program, we’ll still surface it and 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 affiliate networks beyond what’s required to attribute a referral (a click ID; not your identity).
- We don’t earn a commission from your existing cards or from card benefits you redeem.
Networks we work with
OneFolio currently uses a mix of direct issuer affiliate programs and third-party networks (such as CardRatings, FlexOffers, and Bankrate). The specific network for a given card is shown next to the “Apply” button on each recommendation. This list may grow over time; we’ll keep this page updated.
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.