We rate credit cards by real value, not commissions.

CreditPoints is built by points enthusiasts who actually use these cards. No sponsored rankings. No fluff.

Who's behind CreditPoints

PG

I'm the founder of CreditPoints.

I've held 10+ US credit cards over 5+ years. I've redeemed points for international business class flights, hotel stays at properties I couldn't otherwise afford, and tens of thousands of dollars in travel.

I built CreditPoints because every "best credit card" site I read was secretly ranking cards by affiliate payout — not by what's actually best for the reader.

That's the gap we fill. We track historical bonus offers, build AI-powered recommendations from your real spending, and tell you when a card is wrong for you — even when we'd earn a commission for the click.

How we make money

When you apply for a card through one of our links, we may earn a commission from the issuer. This is how we keep the site free.

But here's the part most sites don't tell you:

Different cards pay us different amounts. A premium card might pay us $300+ per approval. A no-fee starter card might pay us $50.

We don't let those numbers shape our recommendations. Our AI Card Advisor ranks cards based on your profile, not on what pays us most.

You'll find cards in our reviews that we recommend even though they pay us nothing. We do this because the alternative — recommending only high-payout cards — is exactly the trap most affiliate sites fall into.

How we rate cards

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Historical data, not snapshots

We track every bonus offer change over time. When we say a bonus is "at an all-time high," we have the data to prove it.

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AI matched to your profile

Our advisor weighs your income, spending categories, credit history, and goals — not a generic "best for travel" template.

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We name the trade-offs

Every premium card has gotchas. We list them on the review page. No "this card is perfect for everyone" fluff.

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Updated daily

Issuer terms change frequently. We monitor 90+ cards daily and update our rankings within 24 hours of changes.

What we don't do

  • We don't sell your email or data to third parties
  • We don't write 'reviews' for cards we haven't researched in depth
  • We don't take payment from issuers to rank cards higher
  • We don't use scare tactics or fake urgency
  • We don't recommend cards without disclosing the trade-offs

Get in touch

Questions? Spotted an outdated offer? Want to suggest a card we should cover?

Email: hello@creditpoints.cash

We read every message. Most product improvements come from reader suggestions.

Affiliate disclosure

CreditPoints participates in affiliate programs with multiple credit card issuers and networks (CardRatings, Bankrate, FinanceBuzz, Impact.com partners including Chase, American Express, Capital One, and Citi).

When you click an "Apply" button on our site and are approved for a card, we may receive a commission. This is disclosed on every card review page in compliance with FTC guidelines (16 CFR Part 255).

Affiliate compensation does not affect how we rank or rate cards. See our full Affiliate Disclosure for details.

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