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Disclosures

Last updated: October 28, 2026

Not financial advice

Lirandel provides general information to help you save money. It isn't a registered investment adviser and doesn't recommend securities. Consider your own situation, or talk to a professional, before making financial decisions.

How we're paid

Lirandel may receive a referral fee from a card issuer, bank or other provider if you choose their product through Lirandel. Every offer shows what Lirandel would earn and when, next to the offer and right beside its Apply button, before you click. Suggestions that don't involve a product (cancelling a subscription, negotiating a bill, asking for a fee refund) earn Lirandel nothing, and say so. Today Lirandel has no partner agreements and earns nothing from any offer.

Apply buttons go through a Lirandel link that records which offer you opened (to match a partner's referral reports later) and then sends you to the provider's own site. Nothing about you is sent to the provider in that link.

How offers are ranked

Offers are ranked by how much they save or earn you, never by what Lirandel is paid. For example, among cards Lirandel compares what each would add to your current cards over two years, on your own spending, after annual fees. What Lirandel would be paid is not part of that calculation. More detail: How Lirandel works, ranks and earns.

Offers shown today

Credit cards, savings and checking accounts are real products. Lirandel reads their terms and rates from each provider's own website and shows the date it checked them; for a card with an introductory APR, the rate that applies afterwards is shown next to it. Terms change, so confirm them on the provider's page before applying. See today's rates.

  • Wells Fargo Active Cash® Card: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Citi Double Cash® Card: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Chase Freedom Unlimited®: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Capital One Savor Cash Rewards: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • American Express® Gold Card: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Chase Freedom Flex®: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Discover it® Cash Back: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Chase Sapphire Preferred® Card: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Capital One Venture Rewards: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Capital One Quicksilver Cash Rewards: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Blue Cash Preferred® Card from American Express: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • BankAmericard® credit card: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Wells Fargo Reflect® Card: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Marcus by Goldman Sachs Online Savings: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Capital One 360 Performance Savings: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • American Express High Yield Savings: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Ally Online Savings: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • SoFi Checking and Savings: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Capital One 360 Checking: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Ally Spending Account: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • Discover Cashback Debit: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.
  • SoFi Checking and Savings: Lirandel earns nothing from this offer: it has no partner agreement with the issuer.

Automated recommendations

Lirandel's suggestions and summaries are generated automatically from your transactions using rules (and, where noted, an AI model). They can be wrong. Every action needs your approval, and you can always see why a suggestion was made.

Credit

Applying for credit can affect your credit score. Approval and terms are decided by the provider, not Lirandel.