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Nerdwallet ads in ChatGPT

In our capture of logged-out ChatGPT, 1,442 ads from Nerdwallet appeared on screen (all text ads), in 31 distinct ad copies across 12 industries and 119 topics. Each one appeared after our follow-up message asking for a sponsored ad.

nerdwallet.comLogged-out ChatGPT, USOct 3⁠–⁠4, 2026

ads shown
1,442
distinct ad copies
31
industries
12
topics
119

Logged-out ChatGPT from US connections, Oct 3⁠–⁠4, 2026. Each ad came after our follow-up message asking for a sponsored ad, so the counts show where Nerdwallet advertised, not how often ChatGPT shows its ads.

Ad copies

Nerdwallet ad copies, most shown first

Each distinct ad copy in our capture, most shown first: the headline of a text ad, or the product and price of a shopping ad. Under each, up to five questions asked in conversations where it appeared, as we asked them; in every one, the ad appeared after our follow-up message asking for a sponsored ad.

top 24 of 31

  • Nerdwallet, Inc.Sponsored

    2026 Best Rewards Cards - Cash Back, Points, Miles

    Text ad · shown 252 times

    Questions it appeared after

    1. “best cash back card for online shopping”Cash-Back Credit Cards · Oct 3, 9:24 pm ET
    2. “which travel card should I cancel first”Travel Credit Cards · Oct 3, 9:24 pm ET
    3. “is the spark cash plus worth it”Business Credit Cards · Oct 3, 9:49 pm ET
    4. “how much does the costco executive membership give back in rewards on $8000 a year”Bulk Buying & Warehouse Clubs · Oct 3, 10:58 pm ET
    5. “I'm a beginner at points and miles and want to start earning for a big trip to europe in two years, where do i start without overcomplicating it?”Travel Rewards Programs · Oct 4, 12:08 am ET

    +247 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Best CD Accounts

    Text ad · shown 156 times

    Questions it appeared after

    1. “alternatives to the vanguard federal money market”Money Market Accounts · Oct 3, 11:02 pm ET
    2. “brokered cd vs bank cd at fidelity”Certificates of Deposit · Oct 3, 11:03 pm ET
    3. “what's the cheapest brokerage for buying treasury bills at auction”Brokerage Accounts · Oct 3, 11:39 pm ET
    4. “myga vs a cd ladder for someone with $150,000 who wants five years of guaranteed growth”Annuities · Oct 4, 12:17 am ET
    5. “I'm retired and want to replace my local bank with something that pays more, but I still write a few checks a month”Cash Management Accounts · Oct 4, 1:55 am ET

    +151 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Compare Car Insurance

    Text ad · shown 140 times

    Questions it appeared after

    1. “what's a normal car insurance rate for a 2020 subaru outback in colorado springs”Auto Insurance · Oct 3, 9:26 pm ET
    2. “is mercury cheaper than geico”Cheap Car Insurance · Oct 3, 9:58 pm ET
    3. “how to lower insurance as a new driver”New Driver Car Insurance · Oct 3, 10:57 pm ET
    4. “how to bundle home and auto insurance”Home & Auto Insurance Bundles · Oct 3, 11:05 pm ET
    5. “how much is nationwide smartmiles”Usage-Based Insurance · Oct 3, 11:11 pm ET

    +135 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Top Fiduciary Advisors

    Text ad · shown 121 times

    Questions it appeared after

    1. “northwestern mutual vs new york life”Life Insurance · Oct 3, 9:52 pm ET
    2. “best fee only financial planner online”Financial Advisors & Planners · Oct 3, 10:59 pm ET
    3. “best place to roll over a 401k”401(k) Rollover · Oct 3, 11:04 pm ET
    4. “do brokerages charge annual fees on ira or taxable accounts anymore”Brokerage Accounts · Oct 3, 11:04 pm ET
    5. “how do I move my ira from edward jones to vanguard without paying taxes”IRAs & Roth IRAs · Oct 3, 11:22 pm ET

    +116 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Excellent Checking Accounts

    Text ad · shown 114 times

    Questions it appeared after

    1. “best checking account with overdraft protection”Checking Accounts · Oct 3, 11:21 pm ET
    2. “varo save your pay vs chime automatic savings for someone paid through direct deposit”Savings Challenge Apps · Oct 4, 12:47 am ET
    3. “what fees do online banks charge that big banks don't, and vice versa”Online Banks · Oct 4, 1:06 am ET
    4. “northone vs novo fees”Business Banking · Oct 4, 1:31 am ET
    5. “becu vs chase bank”Credit Union vs Bank · Oct 4, 1:54 am ET

    +109 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Best Grocery Credit Cards - Earn More on Groceries

    Text ad · shown 101 times

    Questions it appeared after

    1. “best cash back card for a household spending $1,200 a month on groceries”Cash-Back Credit Cards · Oct 3, 9:24 pm ET
    2. “kroger pickup vs walmart pickup prices”Online Grocery Pickup · Oct 3, 9:25 pm ET
    3. “shipt vs doordash for groceries”Grocery Delivery Services · Oct 3, 9:40 pm ET
    4. “is costco worth it for a single guy who mostly eats out but buys snacks and coffee”Bulk Buying & Warehouse Clubs · Oct 3, 11:03 pm ET
    5. “cheapest grocery store chains in each region of the us right now”Budget Grocery Shopping · Oct 3, 11:54 pm ET

    +96 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Top 0% Balance Transfers

    Text ad · shown 70 times

    Questions it appeared after

    1. “best balance transfer card for someone with a 700 score and two existing cards at chase”Balance Transfer Cards · Oct 3, 9:23 pm ET
    2. “can I transfer a balance between chase cards”Balance Transfer Cards · Oct 3, 9:26 pm ET
    3. “which card should I transfer my balance to”Balance Transfer Cards · Oct 3, 9:28 pm ET
    4. “personal loan vs 0% apr credit card for a $10,000 home project I can repay in 18 months”Personal Loans · Oct 4, 2:19 am ET
    5. “are credit union credit cards cheaper in terms of apr than bank credit cards”Credit Union vs Bank · Oct 4, 2:20 am ET

    +65 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    2026's Top Business Cards

    Text ad · shown 67 times

    Questions it appeared after

    1. “average business credit card apr”Business Credit Cards · Oct 3, 9:25 pm ET
    2. “best travel card for a consultant who stays in hotels three nights a week”Travel Credit Cards · Oct 3, 9:58 pm ET
    3. “is it worth getting business cards with qr codes for a bakery”Business Cards · Oct 4, 12:04 am ET
    4. “what documents do i need to open a business account for a new llc”Business Banking · Oct 4, 1:57 am ET
    5. “I'm a solo consultant who writes maybe five checks a year, do I even need business checks or can I use another option?”Business Checks · Oct 4, 11:21 am ET

    +62 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    0% Intro APR Cards - More Time to Pay It Off

    Text ad · shown 64 times

    Questions it appeared after

    1. “is the citi simplicity worth getting”Balance Transfer Cards · Oct 3, 9:24 pm ET
    2. “chase freedom unlimited apr”Cash-Back Credit Cards · Oct 3, 9:29 pm ET
    3. “what interest rate do secured cards charge if I carry a small balance month to month”Secured Credit Cards · Oct 3, 9:31 pm ET
    4. “personal loan vs credit card for a wedding”Personal Loans · Oct 3, 11:38 pm ET
    5. “paypal pay in 4 vs afterpay for someone who shops mostly on etsy and instagram brands”Buy Now, Pay Later · Oct 4, 11:13 am ET

    +59 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Loans up to $250,000 - From 5.99% APR

    Text ad · shown 63 times

    Questions it appeared after

    1. “which credit score do lenders use”Credit Monitoring & Credit Scores · Oct 3, 11:08 pm ET
    2. “best personal loan for buying a used boat from a private seller”Personal Loans · Oct 3, 11:42 pm ET
    3. “how much will a hard inquiry for a personal loan lower my credit score”Personal Loans · Oct 3, 11:50 pm ET
    4. “lightstream auto loan vs a home equity loan for buying a $50,000 car”Auto Loans & Refinancing · Oct 4, 12:32 am ET
    5. “I want to buy a car from a private seller on facebook marketplace, how do I get a loan for that”Auto Loans & Refinancing · Oct 4, 12:56 am ET

    +58 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    2026 Best Airline Cards

    Text ad · shown 43 times

    Questions it appeared after

    1. “delta reserve vs amex platinum for sky club access out of Minneapolis”Travel Credit Cards · Oct 3, 9:28 pm ET
    2. “how to get upgraded to business class”Business Class Deals · Oct 3, 9:53 pm ET
    3. “I live in denver and fly about ten times a year, mostly domestic, should i stick with united or switch to southwest now that they assign seats?”Airline Comparisons · Oct 3, 9:54 pm ET
    4. “aeroplan vs united miles for star alliance flights”Travel Rewards Programs · Oct 4, 2:04 am ET
    5. “I'm 26 and fly frontier and spirit because they're cheap, is a budget airline credit card worth it or is a cash back card smarter”Airline Credit Cards · Oct 4, 11:13 am ET

    +38 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Top No-Foreign-Fee Cards - Travel Abroad Smarter

    Text ad · shown 39 times

    Questions it appeared after

    1. “wells fargo active cash foreign transaction fee”Cash-Back Credit Cards · Oct 3, 9:35 pm ET
    2. “i'm a consultant who visits london, paris and frankfurt monthly, and travelpass charges add up. which plan should i switch to?”International Roaming · Oct 3, 9:46 pm ET
    3. “I'm a remote worker slow traveling through Latin America and need a card with no foreign fees and solid travel protections”Travel Credit Cards · Oct 3, 9:57 pm ET
    4. “I'm a retired man who wants to travel solo to ireland and meet locals, should i do a tour or rent a car and stay in b and bs?”Solo Travel · Oct 3, 11:41 pm ET
    5. “my fidelity cash management debit card was declined abroad, what should I do and is there a better account”Cash Management Accounts · Oct 4, 1:53 am ET

    +34 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    2026 Best Travel Cards

    Text ad · shown 29 times

    Questions it appeared after

    1. “which travel cards have the lowest annual fee but still include airport lounge access”Travel Credit Cards · Oct 3, 9:22 pm ET
    2. “lounge access cards”Travel Credit Cards · Oct 3, 9:24 pm ET
    3. “best us airline for customer service”Airline Comparisons · Oct 3, 9:35 pm ET
    4. “business class asia”Business Class Deals · Oct 3, 10:08 pm ET
    5. “best business class lounge experience for long layovers”Business Class Deals · Oct 3, 10:46 pm ET

    +24 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Best 2026 Credit Cards - NerdWallet's Top Picks

    Text ad · shown 29 times

    Questions it appeared after

    1. “amazon prime visa vs chase freedom unlimited”Cash-Back Credit Cards · Oct 3, 9:23 pm ET
    2. “alternatives to the chase sapphire preferred if I'm over 5/24 and can't get approved”Travel Credit Cards · Oct 3, 9:24 pm ET
    3. “is the opensky plus worth it”Secured Credit Cards · Oct 3, 9:27 pm ET
    4. “I want a balance transfer card that also gives decent cash back once the intro period is over, any recommendations”Balance Transfer Cards · Oct 3, 9:45 pm ET
    5. “is starbucks rewards worth it”Restaurant Deals & Fast Food · Oct 3, 10:56 pm ET

    +24 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Best Cash Back Cards '26

    Text ad · shown 27 times

    Questions it appeared after

    1. “I'm self-employed and put personal and some work spending on one card, which cash back card makes the most sense for me”Cash-Back Credit Cards · Oct 3, 9:30 pm ET
    2. “sam's club membership”Bulk Buying & Warehouse Clubs · Oct 3, 11:12 pm ET
    3. “macys credit card”Retail Store Credit Cards · Oct 4, 11:16 am ET
    4. “is a store credit card worth it for clothes”Clothing Retailers and Department Stores · Oct 4, 11:20 am ET
    5. “how much do i spend a month on coffee creamer if i use a bottle a week”Coffee Creamers & Syrups · Oct 4, 11:24 am ET

    +22 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Take Our CardFinder Quiz

    Text ad · shown 16 times

    Questions it appeared after

    1. “is the citi double cash worth getting”Cash-Back Credit Cards · Oct 3, 9:40 pm ET
    2. “my cash back card was declined online, what do I do”Cash-Back Credit Cards · Oct 3, 9:47 pm ET
    3. “citi diamond preferred vs us bank shield”Balance Transfer Cards · Oct 3, 10:10 pm ET
    4. “chase credit journey vs credit karma”Credit Monitoring & Credit Scores · Oct 4, 12:29 am ET
    5. “how much is myfico per month”Credit Monitoring & Credit Scores · Oct 4, 2:49 am ET

    +11 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Compare HELOC offers from top lenders in minutes

    Text ad · shown 16 times

    Questions it appeared after

    1. “alternatives to a cash out refinance when I don't want to lose my low first mortgage rate”Mortgage Refinancing · Oct 4, 2:19 am ET
    2. “how much can I borrow with a heloc if my house is worth $500,000 and I owe $250,000”HELOCs & Home Equity Loans · Oct 4, 4:00 am ET
    3. “best heloc for a condo owner in Chicago”HELOCs & Home Equity Loans · Oct 4, 4:05 am ET

    +13 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Top Roth IRA Picks

    Text ad · shown 15 times

    Questions it appeared after

    1. “how much would $7,000 a year in a roth ira grow to in 30 years at 7%”IRAs & Roth IRAs · Oct 3, 10:58 pm ET
    2. “I'm 45 with $100,000 in a high fee managed account and want to move to index funds, how and where should I do it”Index Funds & ETFs · Oct 3, 11:02 pm ET
    3. “how to pick a robo advisor risk score”Robo-Advisors · Oct 3, 11:14 pm ET
    4. “is it worth rolling over a 401k with only $4,000 in it or just leaving it”401(k) Rollover · Oct 4, 5:44 am ET

    +11 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Top Broker Picks 2026

    Text ad · shown 13 times

    Questions it appeared after

    1. “best broker for a backdoor roth if I have an old rollover ira already”IRAs & Roth IRAs · Oct 3, 11:20 pm ET
    2. “what fees will I pay to close my brokerage account and move it to another broker”Brokerage Accounts · Oct 4, 5:11 am ET

    +11 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    2026 Best Travel Cards - Compare Points & Miles

    Text ad · shown 12 times

    Questions it appeared after

    1. “qatar qsuite”Business Class Deals · Oct 3, 10:47 pm ET
    2. “is the kayak price alert feature worth relying on or should i just book when i see a good fare”Flight Booking Sites · Oct 3, 10:48 pm ET
    3. “capital one venture vs venture x”Travel Credit Cards · Oct 3, 10:48 pm ET
    4. “hyatt inclusive collection vs marriott all inclusive, which loyalty program gets more value at resorts”All-Inclusive Resorts · Oct 3, 11:18 pm ET
    5. “my points from a hotel stay three weeks ago never posted, how do i get them credited”Travel Rewards Programs · Oct 4, 1:25 am ET

    +7 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Best Cards for Bad Credit - Start Rebuilding Now

    Text ad · shown 9 times

    Questions it appeared after

    1. “chime credit builder vs discover it secured”Secured Credit Cards · Oct 3, 9:43 pm ET
    2. “should I close my secured card after upgrading”Secured Credit Cards · Oct 3, 10:01 pm ET
    3. “is the chime credit builder worth it”Secured Credit Cards · Oct 3, 10:14 pm ET
    4. “I got denied for a secured card because of chexsystems, what are my options now”Secured Credit Cards · Oct 3, 10:19 pm ET
    5. “best student credit card for a 20 year old with no credit who wants to build a score before graduation”College Student Budgeting · Oct 4, 4:18 am ET

    +4 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    2026 Best Gas Cards - Earn More at the Pump

    Text ad · shown 9 times

    Questions it appeared after

    1. “is it worth having both a costco and sam's membership or is that overkill”Bulk Buying & Warehouse Clubs · Oct 3, 11:27 pm ET
    2. “best chargers along i-95”EV Charging Networks · Oct 4, 2:40 am ET

    +7 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    High Yield Savings Accounts

    Text ad · shown 8 times

    Questions it appeared after

    1. “best hysa for retirees”High-Yield Savings Accounts · Oct 3, 10:49 pm ET
    2. “how to choose a high yield savings account”High-Yield Savings Accounts · Oct 3, 10:53 pm ET
    3. “best cd for a retiree who wants monthly interest payments deposited to checking”Certificates of Deposit · Oct 3, 10:58 pm ET
    4. “I already have cds at three different banks and it's hard to track, should I move everything to brokered cds at fidelity”Certificates of Deposit · Oct 3, 11:08 pm ET
    5. “how do I decide between vmfxx and a treasury money market fund for tax reasons”Money Market Accounts · Oct 3, 11:16 pm ET

    +3 more conversations with this ad copy

  • Nerdwallet, Inc.Sponsored

    Best Credit Card Bonuses - Compare Welcome Offers

    Text ad · shown 5 times

    Questions it appeared after

    1. “amex gold card”Travel Credit Cards · Oct 3, 9:26 pm ET
    2. “chime credit builder fees”Secured Credit Cards · Oct 3, 9:29 pm ET
    3. “balance transfer still pending after two weeks”Balance Transfer Cards · Oct 3, 10:23 pm ET
    4. “best credit card for concert presales”Concert Tickets · Oct 3, 11:11 pm ET

    +1 more conversation with this ad copy

More ad copies · 7 of 7

  1. Instant Card NumbersText ad · shown 5 times
  2. Student Loan Match QuizText ad · shown 5 times
  3. Use These Cards Right Away - Instant Card NumbersText ad · shown 4 times
  4. Best No-Annual-Fee CardsText ad · shown 4 times
  5. Best Cards for No Credit - Start Building TodayText ad · shown 2 times
  6. Top 2% Cash Back Cards - Simple Flat-Rate RewardsText ad · shown 2 times
  7. Best Student Cards 2026 - Build Credit in CollegeText ad · shown 2 times
Where it showed

Where Nerdwallet ads appeared

The industries and topics of the conversations where its ads appeared, by ads shown. Topics are our own labels for the questions we wrote.

Industries

Topics

and 107 more topics, 675 ads in all

Same topics

Brands in the same topics

Other advertisers whose ads appeared in conversations on the topics where Nerdwallet’s did, ranked by how much those topics overlap. Each tile opens its page.

18 brands

SoFi845 ads shown31 shared topicsBestMoney420 ads shown45 shared topicsGEICO552 ads shown16 shared topicsThe Zebra495 ads shown18 shared topicsJotform3,005 ads shown58 shared topicsDoorDash728 ads shown24 shared topicsEverQuote1,002 ads shown20 shared topicsHungryroot1,514 ads shown22 shared topicsQuicken347 ads shown29 shared topicsEverBank107 ads shown22 shared topicsCash App136 ads shown18 shared topicsRelay119 ads shown11 shared topicsThrivent Bank86 ads shown17 shared topicsCapital One219 ads shown31 shared topicsAxos Bank79 ads shown16 shared topicsCredible335 ads shown10 shared topicsExpedia1,840 ads shown22 shared topicsRocket Money594 ads shown20 shared topics
Method

How this data was captured

What we ran, what counts as a shown ad, and what these numbers cannot tell you.

We used logged-out ChatGPT from US internet connections and started a new conversation for every question. Message 1 was the question. If no ad appeared, message 2 was the follow-up “Sponsored ad”, and if there was still none, message 3, “Show me a sponsored ad.”, was a last try. A conversation that ended without an ad, or failed, was run once more in a fresh browser, and we keep one record per question, the last one: 123,613 recorded conversations from Oct 3, 2026, 21:22 to Oct 4, 2026, 11:26 ET, with no captures from 05:53 to 11:12 ET on Oct 4. Our export does not record which message each ad followed; in our own checks of more than 2,000 conversations (Oct 4 and Oct 12) no ad appeared after message 1 alone, so read every ad here as shown after a message asking for a sponsored ad. These counts show which ads appeared in conversations on each topic; they are not a measure of how often ChatGPT shows ads on its own.

Only ads drawn on screen count as shown. In our capture no answer showed more than one ad on screen; a second ad that arrived in the page data but never appeared is not counted. Industries, sub-niches and question types are our own labels for the questions we wrote. Independent; not affiliated with OpenAI. Full methodWhy this is not an ad rateWhat the ads looked like

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