Advertiser Disclosure & Additional Disclosures

Advertiser Disclosure: Upgraded Points, LLC may receive compensation when visitors click on and/or apply to credit cards offers featured on

Compensation may impact the placement of cards within the site from our partner offers and advertisers such as Chase, American Express, Capital One, Citi, Barclays and other banks. does not include all available credit card offers on the market.

Amazon Disclosure: Upgraded Points, LCC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to and affiliated sites.

Disclaimer: Upgraded Points, LLC and its website,, provides information on credit cards, credit card rewards, reward programs, travel information and ancillary information concerning travel and credit cards.  The information provided is for informational purposes only.

Upgraded Points, LLC does not provide any information that should be considered financial, tax or legal advice.

Upgraded Points, LLC uses reasonable efforts to maintain accurate information on, but all visitors should review the terms and conditions of any credit card offer prior to applying for any credit card.

Financial Disclosure: is meant to be an informational resource for maximizing credit card rewards.  By featuring and/or endorsing certain credit cards or credit card offers on, neither Upgraded Points, LLC nor its authors consider the underlying financial aspects of such credit cards when soliciting or endorsing applications.  Before any visitor applies for credit cards, visitors should consider a multitude of additional factors and features of credit cards including but not limited to interest rates, annual fees, transaction fees, grace periods, foreign transaction fees, customer service and the issuer’s position on potential liability associated with unauthorized charges.

Upgraded Points, LLC does not discuss most of the attributes of these credit card offers and no information portrayed on should be construed or considered as providing any financial advice.

Credit cards extend credit to card holders which, if not paid in full each month, can incur significant interest fees and ongoing debt.  Responsible credit card use is encouraged. Obtaining and using credit cards is an important financial decision, which should be assessed by each visitor prior to applying for any credit cards.

Each visitor should individually determine the suitability of such credit cards taking into consideration their own individual financial position and regardless of any bonus offers, points or rewards offered by such credit card offers or credit card issuers. Fees, interest rates, finance charges, and benefits can vary greatly between credit cards and Upgraded Points, LLC does not provide all relevant information that consumers should review prior to applying for such credit cards.

Upgraded Points, LLC highly encourages all visitors to read the fine print of such credit card offers and all disclosures prior to applying for credit card offers found on  When you click on the “Apply Now” button or through an link, you can and should review the specific credit card terms and conditions on the credit card issuer’s website. Offers are subject to change without notice and the terms displayed may not be available to all consumers.

Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.

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Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers, see here.