Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

    Advertising Policy, How We Make Money & Additional Disclosures

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Advertising Policy & How We Make Money

    Upgraded Points, LLC may receive compensation when you click on links and are approved for credit card products from our advertising partners that are featured on

    This compensation may impact the placement of cards within the site from our partners and advertisers, but the credit card information that we publish and the products we recommend are what we would (or already) use ourselves. You can read about our credit card methodology here. does not include all available credit card offers on the market.

    Upgraded Points currently has affiliate relationships with the following banks and financial companies:

    • American Express
    • AARP
    • Axos Bank
    • Bilt Rewards
    • Brex
    • Capital One
    • Chase Bank
    • Citibank
    • Credit One Bank
    • U.S. Bank
    • WebBank

    In addition, Upgraded Points also promotes products and are compensated through affiliate links with the following companies:

    • Accorhotels
    • Agoda
    • Airtreks
    • Allianz
    • Amazon (see more below)
    • Avianca
    • Away Luggage
    • CheapoAir
    • Choice Hotels
    • CLEAR
    • Credit Sesame
    • Cruise Critic
    • Delsey Luggage
    • Expedia, Inc
    • Experian
    • Expert Flyer
    • Hertz
    • Home Away
    • Hotwire
    • InterContinental Hotels Group (IHG)
    • Kayak
    • Momondo
    • Monos
    • NordVPN
    • Orbitz
    • Plastiq
    • Priceline
    • Priority Pass
    • Rimowa
    • Qatar
    • SkyScanner
    • Square Mouth
    • StudentUniverse
    • Travelex
    • Travelocity
    • Trip Advisor
    • VRBO
    • World Nomads

    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.


    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 cardholders 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” or “Learn More” button or through a link on, 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.

    Medical & Legal Disclaimers

    All information and content provided on this website or in connection with any communications supported by Upgraded Points, including without limitation to, website content, website copy, downloadable documents, real-time video, real-time audio, telephonic communications or email communications, pre-recorded video or audio, or other mediums of communication are all intended to be for general informational and educational purposes only and are in no way intended to be interpreted as medical advice or legal advice or create a physician-patient relationship or an attorney-client relationship.

    The content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. The content on this site should not be used or relied upon for the purposes of diagnosing, treating, curing, or preventing any disease. Upgraded Points does not provide medical diagnosis, treatment, or prescription of any kind. You should always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition or medical conditions related to travel. You should never disregard professional medical advice or delay in seeking it because of something you have read on this website or related to this website.

    If you think you may have a medical emergency, call your doctor, go to the emergency department or call 911 immediately. We do not endorse specific tests, physicians, products, procedures, opinions, or other information that may be mentioned on this website. Reliance on information provided by Upgraded Points, any of our employees, or contracted writers, is solely at your own risk. Any links to information or content not created by Upgraded Points should be viewed and considered at your own risk. Upgraded Points is not responsible for the claims of external websites.

    The content is not intended to be a substitute for professional legal advice. You should not disregard professional legal advice.  If you think you may have a legal claim or complaint, consult a licensed attorney. Protection Status