About Karl Brown – Founder of The Cards Guy
Karl Brown is the founder of The Cards Guy, a leading resource for credit card reviews, recommendations, and financial insights. With over a decade of experience in the credit card and financial services industry, Karl has dedicated his career to helping consumers make informed decisions about their credit card choices. His passion for maximizing financial potential and empowering people through smart credit card usage led him to create a platform where individuals can easily find cards that align with their unique needs and goals.
Having worked in both the financial and travel sectors, Karl understands the importance of personalized financial solutions. Whether it’s earning rewards on everyday purchases, building credit, or enjoying premium benefits while traveling, Karl’s expertise guides users through the complexities of the credit card landscape.
As the driving force behind The Cards Guy, Karl has built a team of experts who share his commitment to transparency, education, and providing valuable insights to consumers. Under his leadership, the site has become a trusted source for individuals seeking tailored credit card recommendations, comparisons, and real user reviews.
Karl’s mission is simple: to provide the tools, resources, and guidance needed to help consumers make the best financial decisions, whether they’re looking to earn travel rewards, build credit, or find the best cash-back options. His goal is to demystify the credit card process and give users the confidence to navigate the vast array of options available.
When he’s not reviewing credit cards or diving into the latest financial trends, Karl enjoys traveling, exploring new destinations, and spending time with his family. His approach to credit card recommendations is grounded in real-world experience and a deep understanding of how credit cards can improve the everyday lives of consumers.
How We Make Money: Behind the Scenes at The Cards Guy
At The Cards Guy, we’re passionate about helping you make the smartest credit card choices—whether you’re looking for amazing travel rewards, cash back, or building your credit. But, we want to be transparent about how we keep our site running and how we make money so you know exactly how we fund our expert reviews and recommendations.
Affiliate Partnerships and Commission-Based Earnings
The short answer? We make money through affiliate partnerships. When you apply for a credit card through one of our links and get approved, we may earn a commission from the credit card issuer. But don’t worry—this doesn’t affect our recommendations or the content we produce. We’re committed to providing honest credit card reviews based on our extensive research, testing, and real-world experience.
How Affiliate Links Help Us Serve You Better
Here’s how it works: when you click on one of our credit card recommendations, you’re directed to the issuer’s website where you can apply. If you’re approved for the card, the issuer compensates us for sending you their way. This allows us to continue offering free expert advice, detailed credit card comparisons, and the latest updates on credit card offers—all without charging you a penny.
The best part? The price you pay for your credit card never changes because of our commission. It doesn’t cost you anything extra, and you still get the best deal possible.
Why We Use Affiliate Links to Keep The Cards Guy Going
So why use affiliate links at all? Great question! Affiliate commissions are how we can continue delivering high-quality, unbiased credit card reviews and comparison tools. Our site and team of experts are always working behind the scenes to bring you the latest and most relevant credit card insights so that you can make smarter financial decisions.
We make money through affiliate commissions, but that doesn’t affect our recommendations. We provide objective credit card reviews because we believe in helping YOU find the perfect card that aligns with your lifestyle—whether you’re a frequent traveler, a student, or a small business owner looking for premium business credit cards.
What to Expect from Us:
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Total Transparency: We believe in clear, honest disclosure.
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Unbiased Advice: Our reviews are independent and objective. We don’t let affiliate commissions influence our rankings or recommendations.
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No Extra Cost to You: When you apply for a card through our links, you’re not paying more. We receive a commission from the issuer, at no extra cost to you.
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In-Depth Insights: Expect the most detailed credit card comparisons, money-saving tips, and the latest offers on cash-back cards, travel rewards, and business credit cards.
Our Promise to You:
At The Cards Guy, your trust is our priority. We want you to make the best financial decisions possible, whether it’s finding the top travel rewards credit cards, discovering cards that help you build credit, or simply maximizing your cash-back rewards. Our goal is to empower you with expert financial advice while maintaining full transparency about how we fund our site.
If you ever have questions about how we make money or about our affiliate partnerships, don’t hesitate to reach out. We’re here to clarify and ensure you feel confident in every decision you make!



