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.

    Cookie Policy

    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.

    Upgraded Points, LLC – Cookies and Ads Notice

    Effective Date: October 31, 2023

    This Upgraded Points, LLC (“Upgraded Points”) Cookies and Ads Notice (“Cookie Notice”) applies to the sites and apps where it is posted and covers any interaction with Upgraded Points where personal data may be collected from you through cookies, pixels, and other tracking tools. This includes, our mobile sites and apps. This Cookie Notice describes our cookie and ad practices at Upgraded Points and informs you about the choices you can make.


    What are cookies and pixels?

    Cookies and pixels are different tools that companies use, often simultaneously, to better understand their website visitors. Upgraded Points uses them to help identify, collect, and transfer data from our site to specialized software we use for analytics and advertising purposes.

    Cookies: A cookie is a small text file that is placed on your computer when you visit a company’s website. Cookies typically encrypt data about you which can only be read by the company that placed the cookie there. Cookies can enable you to log into a website faster if you’ve visited it before and can give companies better insights into your behavior on their site, including how long you stay on their site and which pages you visited.

    Pixels: A pixel is a tiny, invisible piece of code that is installed on websites. Pixels collect certain pieces of information that can identify site visitors, including information such as a visitor’s IP address, and monitor web traffic and other site visitor behavior.

    How does Upgraded Points use cookies and pixels on our sites?

    We use cookies, pixels, and other tracking tools in a variety of ways to further our relationship with you. We collect Personal Information of site visitors (“Personal Information”) over time and across different websites when visitors use this website, read our emails, or otherwise engage with us through a computer or mobile device. Here are some key purposes for our cookies and pixels:

    • To recognize new or past customers.
    • To remember your preferences.
    • To assess performance and improve our sites.
    • To serve you with interest-based or targeted advertising (see below for more on interest-based advertising).
    • To observe your behaviors and browsing activities over time across multiple websites or other platforms.
    • To better understand the interests of our customers and our website visitors.
    • To diagnose and fix technology problems.
    • To improve security and prevent fraudulent activity.
    • We also engage third party service providers and vendors (our “partners”) to collect Personal Information this way on our sites, who may also use these types of tools.


    How does Upgraded Points use interest-based advertising on our sites and other sites and platforms?

    We and our partners display interest-based advertising using information gathered about you over time across multiple websites or other platforms, which may include apps. Interest-based advertising, also referred to as “online behavioral advertising,” includes ads served to you after you leave our website, encouraging you to return. They also include ads we think are relevant based on your shopping habits or online activities. These ads might be served on websites or on apps. They might also be served in emails. We might serve these ads, or third parties may serve ads. They might be about our products or other companies’ products.

    How do we gather relevant information about you for interest-based advertising?

    To decide what is relevant to you, we use information you make available to us when you interact with us and our partners. We gather this information using cookies, pixels, and other tracking tools described above. For example, we or our partners might look at your past purchases or browsing behaviors. We might look at these activities on our platforms or the platforms of others. We also work with third parties who help gather this information. These third parties might link your name or email address to other information they collect, such as past purchases made, or online usage information.

    How can you control tracking tools?

    Your browser may give you the ability to control cookies and other tracking tools, depending on the tool type. Certain browsers can be set to reject browser cookies, for example, but cannot control flash cookies Any options you select are browser and device-specific.

    Our Do Not Track Policy: Some websites have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. If you block cookies, certain features on our sites may not work. If you block or reject cookies, not all of the tracking described here will stop.

    You can opt-out of online behavioral advertising.

    Some advertising networks we may use for these purposes may be members of the Digital Advertising Alliance (“DAA”) or the Network Advertising Initiative (“NAI”). Please visit the websites below to learn more about interest-based advertising and to opt out of receiving personalized advertising or content from participating third-party advertising companies:

    Digital Advertising Alliance

    Network Advertising Initiative

    Please note that if you opt out, you may still receive online advertising from us, but it will not be tailored to your interests based on online behavioral information about you. To successfully opt out, you must have cookies enabled in your web browser (see your browser’s instructions for information on cookies and how to enable them). Your opt-out only applies to the web browser you use, so you must opt out of each web browser on each computer you use. Once you opt-out, if you delete your browser’s saved cookies, you will need to opt out again.

    The Digital Advertising Alliance also offers a tool for opting out of the collection of cross-app data on a mobile device for interest-based advertising. To exercise choice for companies participating in this tool, download the AppChoices app here.

    Options you select are browser and device-specific.


    Cookie Categories

    The list below provides the following information about cookies used on the Upgraded Points websites in the prior 12 months: (i) cookie categories along with their purposes; (ii) information about essential cookies (i.e., “Strictly Necessary Cookies”), which are always activated; and (iii) categories of third-parties to which personal data is disclosed via cookies. The categories of third parties to which we may sell or share Personal Information include promotional partners, online advertising networks, marketing companies, and social media companies.

    Strictly Necessary Cookies:  These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you to request our services, such as setting your privacy preferences, logging in to your account, or filling out forms. You can set your browser to block or alert you about these cookies, but then some parts of the site may not work.

    Performance Cookies:  These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. If you do not allow these cookies we will not know when you have visited our site and will not be able to monitor its performance.

    Functional Cookies:  These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you choose to block these cookies, then some or all of these enhanced services may not function properly.

    Targeting Cookies:  These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other sites. These cookies are based on uniquely identifying your browser and internet device. If you choose to block these cookies, you will limit targeted advertising from us.

    Sensitive Personal Information Collected via Cookies

    Some of the cookies listed above may collect the following categories of Sensitive Personal Information:

    Geolocation Information: including precise location data and physical location information when you visit our site or use our apps on your mobile device.

    Your Right to Opt-Out

    You can ask us to stop processing your Personal Information for purposes of targeted advertising or sale to third parties by submitting an opt-out request.

    No Sale of Minors’ Personal Information

    Applicable privacy laws require minors under the age of 13 (VA) and 16 (CA) to opt-in to the sale or sharing of their Personal Information with third parties. Our site is not intended for use by minors under the age of 16, and we have no actual knowledge that we sell or share the Personal Information of minors under the age of 16. As a result, our services are not available to any minor under the age of 16, per our Terms of Use.

    Last updated: October 31, 2023 Protection Status