Disclosures
Last Updated: October 14, 2026
Poiiints isn't paid by any card issuer.
Poiiints has no affiliate or advertising relationships with card issuers or networks, and earns nothing when you apply for a card.
Apply links go straight to the issuer.
When you tap Apply, you go to the issuer's own page. The link carries no tracking code for Poiiints. On the website, Poiiints keeps its own record that you tapped Apply; it never changes a value or a ranking.
How cards are ranked.
Every card is valued with the same method, on your spending and your preferences. Nobody can pay to change a value or a ranking. Our Methodology explains how it works.
If this ever changes.
If Poiiints starts earning money from card links, this page will say so before the first such link goes live, and every card will still be valued the same way.
Estimates, not advice.
Every figure is an estimate based on your spending and the issuer's terms as of the date shown. Check the issuer's terms and Rates & Fees before you apply; approval is the issuer's decision. Poiiints isn't a lender and doesn't give financial advice.
Card names.
Card names and trademarks belong to their issuers. Poiiints isn't affiliated with or endorsed by any of them.
Your data.
How Poiiints handles your data is in our Privacy Policy and Security pages.
Questions?
Email eann@getpoiiints.com.