About CreditPoints — Built by an Immigrant Family, for Immigrants
Meet Oleg & Yunna Manko, founders of CreditPoints. A Ukrainian family that moved to the US in 2018 with two kids and zero American credit history. Today: 20+ credit cards, six-figure points balances, and a mission to help other immigrant families navigate the system.
Who's behind CreditPoints
We're Oleg & Yunna Manko — a Ukrainian family who moved to the US in 2018 with two young kids and zero American credit history.
Navigating the American financial system as new immigrants felt like reading a book in the dark. No clear path from a secured card to premium rewards. Generic "best card" lists that ignored what it actually means to be new to credit, new to a country, and new to a language.
It took us two years to build credit from scratch, three more to figure out which cards actually earn their annual fee, and another year to learn how to combine points across programs for real family trips — Hawaii, Europe, the Caribbean.
Seven years later we hold 20+ credit cards across Chase, Amex, Capital One, Citi, and Bilt, earn six-figure points balances every year, and have flown our family of four to a dozen countries entirely on points.
CreditPoints exists because we wished it had existed for us in 2018 — a tool that speaks your language (literally — English, Russian, Ukrainian, Spanish), explains the trade-offs without marketing fluff, and treats you like a smart adult who can handle real data.
No hype. No paid placements. Just real data and real experience.
How we make money
When you apply for a card through our site and get approved, the issuer pays us a commission — typically $50 to $300, depending on the card.
Here's the part most sites won't tell you.
Different cards pay us different amounts. A premium card like the Chase Sapphire Reserve pays significantly more than a no-fee starter card. That's how affiliate economics work across the entire industry.
We don't let those numbers shape our rankings. Our recommendations come from our actual usage and from the data — not from which issuer pays best this quarter. When we rank a no-fee card above a premium one because it fits your profile better, we do it knowing we'd earn less. We'd rather build trust than chase commissions.
Every card you see in our reviews is one we'd consider for our own wallet — or already carry. If a card isn't worth its fee, we say so, even when it pays us well.
How we rate cards
Historical data, not snapshots
We track every bonus offer change over time. When we say a bonus is "at an all-time high," we have the data to prove it.
AI matched to your profile
Our advisor weighs your income, spending categories, credit history, and goals — not a generic "best for travel" template.
We name the trade-offs
Every premium card has gotchas. We list them on the review page. No "this card is perfect for everyone" fluff.
Updated daily
Issuer terms change frequently. We monitor 90+ cards daily and update our rankings within 24 hours of changes.
What we don't do
- Sell your email or data to third parties
- Write "reviews" for cards we haven't researched in depth
- Take payment from issuers to rank cards higher
- Use scare tactics or fake urgency
- Recommend cards without disclosing the trade-offs
Get in touch
Questions? Spotted an outdated offer? Want to suggest a card we should cover?
Email us: hello@creditpoints.cash
We read every message. Most product improvements come from reader suggestions.
Affiliate disclosure
CreditPoints participates in affiliate programs with multiple credit card issuers and networks (CardRatings, Bankrate, FinanceBuzz, Impact.com partners including Chase, American Express, Capital One, and Citi).
When you click an "Apply" button on our site and are approved for a card, we may receive a commission. This is disclosed on every card review page in compliance with FTC guidelines (16 CFR Part 255).
Affiliate compensation does not affect how we rank or rate cards. See our full Affiliate Disclosure for details.
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