About PointsPick

Data-driven credit card intelligence

Our Editorial Team

PointsPick Editorial Team — Credit card researchers with 10+ years of personal finance experience. Our analysts specialize in consumer credit products, loyalty programs, and financial industry data analysis.

Our team includes former bank employees, travel hackers with over 2 million lifetime points earned, and data engineers who built the infrastructure behind our 38,000++ page database.

Our Expertise

• Credit Card Analysis: 10+ years analyzing card terms, rewards structures, and issuer strategies
• Loyalty Programs: Deep knowledge of airline miles, hotel points, and transferable currencies
• Data Infrastructure: We pull from 35++ verified sources and update data continuously
• MCC Intelligence: Comprehensive understanding of merchant category codes and how issuers code transactions
• Application Strategy: Experience with bank application rules, velocity limits, and approval strategies

Our Mission

PointsPick exists to bring transparency to the credit card industry. We believe consumers deserve access to the same caliber of data that banks and financial institutions use internally — without having to pay for it or wade through biased "sponsored" rankings.

What We Do

We aggregate data from 35+ independent, verified sources to build the most comprehensive credit card comparison platform available. Our 38,000+ pages cover:

• Card Reviews: Data-driven analysis of every major credit card
• Card Comparisons: Side-by-side feature comparison for any two cards
• MCC Intelligence: Merchant category code lookup so you know exactly what rewards you earn
• Best-For Rankings: Category-specific recommendations backed by data, not opinion
• Free Tools: Calculators for 5/24 status, which card to use, point valuations, and more

Our Data Sources

Every data point on PointsPick is traceable to its source. We pull from:

• Official credit card product pages and terms (verified at time of publication)
• CFPB Credit Card Agreements Database
• Expert point and mile valuation sources
• Community-sourced approval datapoints from 450K+ member forums
• Visa and Mastercard merchant category databases
• SEC filings for issuer financial data

How We Make Money

PointsPick earns compensation when visitors click affiliate links and are approved for credit cards. This compensation helps fund our data infrastructure and keeps the site free.

Important: Affiliate relationships do not influence our rankings. Our scores and recommendations are generated algorithmically from our data. We display the same rankings regardless of whether a card has an affiliate relationship. See our Advertiser Disclosure for full details.

Editorial Independence

Our ranking methodology is fully transparent and available on our Methodology page. No issuer can pay for placement or influence their score. If you believe any information is inaccurate, contact us and we will review and update within 48 hours.

Contact

Questions about our methodology, data accuracy, or editorial decisions? Contact the editorial team.