SmartRates is supported by display advertising, not affiliates.
We do not earn commissions from product links. Our calculators, comparisons, and content are editorially independent.
How SmartRates Makes Money
SmartRates is a free financial calculator and comparison website. We generate revenue exclusively through display advertising served by Google AdSense and other third-party advertising networks. We do not charge users for any calculator, tool, or content on this site.
No Affiliate Relationships
SmartRates does not have affiliate, referral, or sponsorship arrangements with any credit card issuer, lender, brokerage, or financial product provider listed or linked on this site. We do not receive compensation when you click on product links, submit applications, open accounts, or take any other action with a third-party provider.
This means our product comparisons, calculator defaults, and editorial rankings are not influenced by money from the companies we evaluate.
How Google AdSense Works
Display ads on SmartRates are served by Google AdSense. Google uses cookies and similar technologies to show ads that may be relevant to your interests based on your browsing activity across websites.
SmartRates has no control over which specific ads appear on our pages. We do not receive user data from Google beyond aggregate, anonymized performance metrics (e.g., page-level impression counts).
Your Ad Choices — How to Opt Out
You have choices about how advertising works for you:
• Opt out of personalized ads from Google: https://adssettings.google.com • Opt out of interest-based advertising from participating companies: https://optout.aboutads.info (Digital Advertising Alliance) or https://optout.networkadvertising.org (Network Advertising Initiative) • Manage cookies in your browser: You can block or delete advertising cookies through your browser settings. This will not affect your access to any SmartRates calculator.
Note: Opting out does not stop all ads — you may still see non-personalized advertising.
Editorial Independence
Advertising revenue does not influence any editorial decision at SmartRates. Our calculators use standard financial formulas independent of any advertiser. Our product comparisons, ratings, and news articles are written without input from advertisers.
Any factual error in our content is unintentional and independent of commercial relationships. See our Methodology page for how products are evaluated.
FTC Disclosure Compliance
This Advertiser Disclosure is provided in compliance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 C.F.R. Part 255) and its guidance on .com disclosures. We believe in transparency about how our site operates so you can make informed decisions about the information you read here.
Contact Us
If you have questions about our advertising practices or this disclosure, please reach out via our Contact page. We aim to respond within 2 business days.