Legal
Terms of use
Informational use only
What I write here is general information about credit cards, loyalty programs, and travel. It isn't financial, credit, legal, or tax advice, and it isn't a recommendation tailored to your circumstances.
Accuracy and changes
Card offers, award charts, and program rules change without notice. I verify details and date-stamp them, but the issuer's own terms always govern. Please confirm before you apply or book.
Limitation of liability
I'm not liable for decisions you make based on what you read here, including applications, redemptions, or bookings. Use of the site is at your own risk.
Content ownership
The writing, tables, and templates on this site are mine. You're welcome to quote a short excerpt with a link back; republishing whole pieces isn't permitted.