Important information about PointsPick and our content
PointsPick is an informational and educational resource. Nothing on this website constitutes financial, investment, legal, or tax advice. Credit card terms, interest rates, fees, and rewards programs are complex financial products. You should consult a qualified financial advisor before making decisions based on any information found on this website.
PointsPick earns compensation from credit card issuers when visitors click affiliate links on this website and are approved for credit card products. This compensation may influence which cards are featured prominently on certain pages. However, it does not influence our data-driven rankings, which are generated algorithmically from 35+ verified data sources.
All affiliate links are disclosed with the label "sponsored" in the link's rel attribute and/or with an on-page disclosure notice. We link to our full advertising disclosure from every page containing affiliate links.
Credit card terms, annual fees, interest rates, sign-up bonuses, and rewards structures change frequently. PointsPick makes every effort to keep information current, but we cannot guarantee that all information is accurate, complete, or up-to-date at any given time.
Always verify current card terms, fees, and offers directly on the card issuer's official website before applying. The information on PointsPick should be used for comparison and research purposes only and should not be the sole basis for any financial decision.
PointsPick maintains strict editorial independence. Our card rankings and review scores are calculated algorithmically using objective data: annual fees, reward rates, sign-up bonuses, point valuations, consumer complaint data, and benefit value. No card issuer can pay to improve a card's ranking or review score on this site.
Our editorial methodology is publicly documented at /methodology. Any changes to our ranking algorithm are applied consistently across all cards, regardless of affiliate relationships.
Applying for a credit card will result in a hard inquiry on your credit report, which may temporarily lower your credit score. Approval is not guaranteed and depends on your creditworthiness as evaluated by the card issuer. PointsPick has no involvement in credit card approval decisions and cannot influence the outcome of any application.
We do not guarantee any specific credit card offer, bonus amount, or interest rate. Offers displayed on our site are subject to change without notice and are subject to the card issuer's current terms at the time of application.
This website contains links to third-party websites, including card issuer websites. These links are provided for convenience. PointsPick does not control the content of third-party websites and is not responsible for their accuracy, privacy practices, or any transactions you conduct on those sites.
To the fullest extent permitted by law, PointsPick and its operators shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or any information contained herein. Your use of this website is at your own risk.
If you have questions about this disclaimer or our practices, please contact us. See also our advertising disclosure and privacy policy.
Last updated: January 2026