How We Work
CreditPoints participates in affiliate programs with credit card issuers and networks. Your offer is identical whether you apply through our affiliate link or directly through the issuer's website. The commission is paid by the issuer, not by you.
How We Stay Honest
Affiliate compensation does not influence:
- How we rank cards in our recommendations
- The accuracy of card terms, fees, and bonuses we publish
- The trade-offs and drawbacks we mention in reviews
- Our AI Card Advisor results
We recommend cards with low or no affiliate payout when they're the best fit for a reader. We decline to recommend high-payout cards when they're wrong for our audience.
This is a deliberate editorial policy, not a regulatory requirement.
FTC Compliance
This disclosure is provided in compliance with the Federal Trade Commission's 16 CFR Part 255 (Guides Concerning Use of Endorsements and Testimonials in Advertising).
On individual card review pages, we include card-specific affiliate disclosures where applicable. If you spot a missing disclosure, please email hello@creditpoints.cash — we'll fix it within 24 hours.
Your Choices
You can apply for any card directly through the issuer's website without using our affiliate links. You will receive the same offer, with the same terms.
Using our links helps fund the time we invest in researching, writing, and updating our content. We appreciate readers who choose to support us this way — but we don't condition any content or feature on whether you do.
Have questions? Please email us at hello@creditpoints.cash