Understanding NerdWallet’s Partnerships and Important Disclosures

NerdWallet is committed to providing accurate and up-to-date financial information. It’s important for users to understand that the information presented on our platform may differ from what you find when visiting a specific financial institution, service provider, or product website. All financial and shopping products and services are offered without warranty. When considering offers, please carefully review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. For any discrepancies related to your credit score or credit report information, please contact TransUnion® directly.

NerdWallet operates as an informational platform and is not a bank. Banking services for the NerdUp by NerdWallet credit card are provided by Evolve Bank & Trust, member FDIC. The NerdUp by NerdWallet Credit Card is issued by Evolve Bank & Trust under a license from MasterCard International Inc. Please be aware that your credit score may be impacted by your financial decisions made with various financial services organizations. Credit scores are independently determined by credit bureaus based on multiple factors.

NerdWallet Compare, Inc. NMLS ID # 1617539 provides transparency through NMLS Consumer Access and Licenses and Disclosures.

In California, Finance Lender loans are arranged under Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812.

Insurance services are offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033). Further details are available regarding Insurance Licenses.

NerdWallet partners with Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to offer investment advisory accounts. It’s important to note that NerdWallet receives compensation ranging from 0% to 0.85% of annualized assets under management, paid monthly, for each client referred to Atomic who opens an account. NerdWallet also receives a percentage of free cash interest earned by clients, which presents a potential conflict of interest. These partnerships are crucial to understand for users interested in maximizing financial benefits, including those who might be considered Chase Points Partners in a broader sense, seeking to optimize rewards through various financial services.

Brokerage services for Atomic are facilitated by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC, and an affiliate of Atomic, which also creates a conflict of interest. For comprehensive information about Atomic, please refer to their Form CRS, Form ADV Part 2A, and Privacy Policy. Details regarding Atomic Brokerage can be found in their Form CRS and the Atomic Brokerage General Disclosures. You can verify the background of Atomic Brokerage through FINRA’s BrokerCheck.

It is essential to remember that neither Atomic Invest nor Atomic Brokerage, nor their affiliates, are banks. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including potential loss of principal. Before making investment decisions, carefully consider your investment objectives and all associated fees and expenses.

NerdWallet™ is located at 55 Hawthorne St. – 10th Floor, San Francisco, CA 94105. Understanding these disclosures and partnerships helps users navigate the financial landscape and make informed choices. While NerdWallet aims to empower consumers, being aware of these relationships is key to responsible financial planning, especially for those actively seeking to maximize rewards and understand the ecosystem of chase points partners and related services.

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