Advertising & Affiliate Disclosure

Pointify Travel Technologies LLC (“Pointify,” “we,” “us,” or “our”) believes in full transparency with our readers. This page lists every revenue stream we have, names every partner we earn from, and explains how our editorial team stays independent of all of them.

1. How We Earn Revenue

Pointify Travels earns revenue from six distinct streams. Every page on the site earns from at most a couple of these — never all of them at once.

1.1 Subscription fees (Stripe-billed)

We sell Pointify Pro and Pointify Business recurring subscriptions billed by Stripe. These tiers unlock unlimited searches, mistake-fare alerts, calendar fare grids, hidden-city routing, the API, and the MCP server. The subscription fee is the same whether you arrived via affiliate link, organic search, or a referral. See /pricing for current rates.

1.2 Cash-ticket booking margin (Duffel)

When you book a cash flight ticket through /search and check out via our integrated Duffel checkout, Pointify may add a small service fee on top of the carrier's fare. The fee covers payment processing, fraud checks, and our concierge support; it is itemised at checkout before you pay. We never mark up cash fares that we surface from non-bookable upstreams (Google Flights meta-search, ITA Matrix mirrors, etc.) — those are display-only.

1.3 Travel-affiliate commissions (Travelpayouts & direct partnerships)

Pointify is an active affiliate of Travelpayouts (marker 52123), which pays us a commission for completed flight, hotel, and car-rental bookings made through partner sites we link out to. We also work with several direct travel partners — see the partner list below.

1.4 Credit-card affiliate commissions

When you click an “Apply Now,” “Learn More,” or similar CTA on a credit-card review page on our site and you are subsequently approved for the card, the issuer may pay us a referral commission. Affiliate links on Pointify route through /go/<slug>so we can attribute the click; the destination is the issuer's own application page, never a third-party landing page in disguise.

1.5 Loyalty buy-points concierge fees

Pages under /buy-points let you order miles or points through a Pointify concierge agent. We never mark up the program's own price (e.g. 1.75¢/mile for United stays 1.75¢/mile through us). Our revenue on these orders is a flat concierge fee plus an optional account- setup fee, both itemised in the quote you receive before you pay.

1.6 Sponsored content & paid placements

Some content on Pointify may be sponsored or contain paid placements from travel- related brands. Sponsored content is alwayslabelled with a clear “Paid Partnership,” “Sponsored,” or “Advertisement” badge at the top of the section. As of the “Last updated” date above, we do not currently run any sponsored placements; this section is here for completeness and for the day we do.

2. Our Active Partners

Below is the current list of partner relationships from which Pointify earns compensation. Click any partner name to visit their site directly.

We update this list whenever we add, remove, or pause a partner relationship. If a partner is missing from this list, we are not earning from them.

3. Editorial Independence

Our editorial team operates independently from Pointify's revenue and partner relationships. Concretely:

• Advertisers and partners do not review, approve, or endorse our editorial content before publication. The only pre-publication review for any post is by another Pointify editor.
• Card ratings, hotel rankings, and program rankings are determined by editorial staff using objective criteria — signup-bonus value, earning rates, transfer partner quality, fees, perks, and overall value proposition. The methodology lives in /blog/our-rating-methodology.
• We frequently recommend products from which we receive no compensation when we believe they are the best fit for our readers. The American Express Platinum, Capital One Venture X, and Wyndham Rewards Earner Business cards are examples of products we rate highly and currently earn nothing on.
• Compensation never determines the score, rank, or order of recommendations. The ranking algorithm runs against the editorial scores; it has no input from the affiliate-payout table.
• When a comparison page lists products, the default sort is by editorial score, not by our payout. Readers can re-sort by any column they choose.

4. How We Evaluate Credit Cards

Every credit card on our comparison pages is scored against a fixed rubric. Key factors:

• Signup bonus value: dollar value of the welcome offer based on our points-valuation methodology.
• Earning rates: points or miles per dollar across bonus and non-bonus categories, normalised to cents-per-dollar value.
• Transfer partners:the breadth and quality of airline / hotel programs the card's currency unlocks, weighted by the redemption value of those partners' sweet spots.
• Annual fee vs. benefits:whether the credits, perks, and earning potential justify the annual fee for a typical cardholder. Cards that don't are scored down regardless of payout.
• Additional perks: lounge access, travel insurance, purchase protections, statement credits, and other cardholder benefits.

5. How to Identify Affiliate Links

Links to credit-card applications and travel-partner sites on Pointify may be affiliate links. The ones that earn us money have one or more of the following signals:

• The link target is pointifytravels.com/go/<slug> — our internal redirect that attributes the click before forwarding to the partner.
• The link is on a comparison page (e.g. /cards, /credit-cards) or a buy-points landing page.
• The link is buried inside a blog post that includes a small “Some links on this page are affiliate links” banner at the top.

Using an affiliate link does not cost you anything extra. The card terms, fares, points balances, fees, and benefits are identical whether you click our link or go directly to the partner. If you prefer not to attribute the click, just type the partner's URL into your browser.

6. What We Do Not Do

• We do not guarantee approval for any credit card, loan, or financial product. Approval decisions are made solely by the issuer based on your creditworthiness.
• We do not have access to your personal financial information when you click an affiliate link or apply for a card. The application happens entirely on the issuer's site.
• We do not artificially inflate ratings or rankings for cards, hotels, or programs that pay us higher commissions.
• We do not suppress or hide negative information about products from which we receive compensation. If a card is bad for most users, we say so even when we earn from it.
• We do not pay for product reviews — neither inbound (sponsored content disguised as editorial) nor outbound (paying journalists to review Pointify favourably).
• We do not allow advertisers to dictate which topics we cover or which products we feature.

7. 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 Act, California's Online Eraser Law, and other applicable advertising regulations. 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. If you have questions about our advertising practices, or if you believe a specific page is missing the disclosure language it should carry, please contact us and we will investigate within five business days.

8. Changes to This Disclosure

We may update this Advertising & Affiliate Disclosure to reflect changes in our partner relationships, business practices, or applicable law. When we make a material change, we update the “Last updated” date at the top of this page. The full revision history is available on request from [email protected].