Advertising Disclosure

Pointify Travel Technologies, Inc. (“Pointify,” “we,” “us,” or “our”) believes in full transparency with our readers. This Advertising Disclosure explains how we earn revenue, how that revenue may affect the content you see on our site, and the editorial standards we maintain to ensure our recommendations remain trustworthy and unbiased.

1. How We Earn Revenue

Pointify Travel earns revenue in several ways, including but not limited to:

• Affiliate commissions: When you click on certain credit card links on our site and are approved for a card, we may receive compensation from the card issuer. These are commonly known as “affiliate” or “referral” links.
• Subscription services: We offer premium membership plans that provide enhanced deal alerts, booking tools, and other travel services.
• Advertising: Certain content on our site may be sponsored or contain paid placements from travel-related brands. Any such content will be clearly labeled.

2. Our Editorial Independence

Our editorial team operates independently from our business and advertising partnerships. This means:

• Advertisers and partners do not review, approve, or endorse our editorial content before publication.
• Our card ratings and rankings are determined by our editorial team using objective criteria including signup bonus value, earning rates, transfer partner quality, annual fee, perks, and overall value proposition.
• We frequently recommend products from which we receive no compensation if we believe they are the best fit for our readers.
• Compensation from affiliates does not influence the scores, ratings, or reviews that our editorial team assigns to any product.

3. How We Evaluate Credit Cards

Every credit card on our comparison pages is evaluated using a consistent methodology. Key factors include:

• Signup bonus value: The estimated dollar value of the welcome offer based on our points valuation methodology.
• Earning rates: Points or miles earned per dollar across bonus and non-bonus spending categories.
• Transfer partners: The quality and breadth of airline and hotel loyalty programs you can transfer points to, and the redemption value those partners unlock.
• Annual fee vs. benefits: Whether the card's credits, perks, and earning potential justify its annual fee.
• Additional perks: Lounge access, travel insurance, purchase protections, and other cardholder benefits.

4. How to Identify Affiliate Links

Links to credit card applications on our site may be affiliate links. When you see a button labeled “Apply Now,” “Learn More,” or similar call-to-action text that directs you to a card issuer's website, it is likely an affiliate link. We also display a disclosure banner at the top of pages that contain affiliate links.

Using an affiliate link does not cost you anything extra. The card terms, interest rates, fees, and benefits are the same whether you apply through our link or directly through the issuer.

5. What We Do Not Do

• We do not guarantee approval for any credit card product. Approval decisions are made solely by the card issuer based on your creditworthiness.
• We do not have access to your personal financial information when you click an affiliate link.
• We do not artificially inflate ratings or rankings for cards that pay us higher commissions.
• We do not suppress or hide negative information about products from which we receive compensation.

6. FTC Compliance

This disclosure is provided in accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 CFR Part 255). The FTC requires that material connections between endorsers and advertisers be clearly disclosed so consumers can make informed decisions.

We are committed to maintaining full compliance with FTC guidelines and applicable advertising laws. If you have questions about our advertising practices, please contact us.

7. Changes to This Disclosure

We may update this Advertising Disclosure from time to time to reflect changes in our business practices or applicable laws. When we make material changes, we will update the “Last updated” date at the top of this page. We encourage you to review this disclosure periodically.