Last Updated: February 8, 2026
Our Commitment to Transparency
The Points Preneur maintains affiliate relationships with credit card issuers, banks, and other financial service providers. This disclosure explains how we earn money, how it may influence our content, and our commitment to providing honest, analytical recommendations.
How We Earn Money
Affiliate Commissions
We earn commission income when you:
- Click on affiliate links to credit card offers, bank accounts, or other financial products
- Apply for products through our referral links
- Are approved for credit cards or services we recommend
The commission we receive varies by product and issuer, depending on the card, promotional periods, and affiliate program terms.
Miles and Points Consulting
We also earn revenue through:
- Corporate travel optimization consulting
- Individual credit card strategy consultations
These services are separate from our affiliate relationships and are provided under distinct service agreements.
What This Means for You
Financial Incentive
Our affiliate relationships create a financial incentive to recommend products. We receive higher compensation for some products than others, which could influence:
- Which products we choose to review
- The prominence of certain offers on the Site
- The frequency with which we mention specific cards
Editorial Independence
However, our compensation does NOT determine our recommendations or analysis.
We are committed to:
- Analytical rigor: Recommendations based on mathematical modeling and data analysis
- Transparent methodology: Clear explanation of how we evaluate and compare products
- Honest assessment: Identifying when non-affiliate products offer better value
- Reader-first approach: Prioritizing strategies that benefit you over maximizing our commissions
Our Editorial Standards
We DO:
✓ Recommend products based on value analysis, not commission rates
✓ Disclose when better options exist that we don’t have affiliate relationships with
✓ Update recommendations when programs change, even if it reduces our income
✓ Recommend cards we personally use and believe in
✓ Decline partnerships with products we don’t believe offer good value
✓ Clearly mark affiliate links throughout the Site
We DON’T:
✗ Accept payment to rank products higher (payola)
✗ Recommend products solely based on commission
✗ Hide better non-affiliate alternatives
✗ Misrepresent card benefits or terms
✗ Guarantee results or imply relationships with issuers beyond affiliate agreements
✗ Provide promotional content disguised as editorial content without disclosure
FTC Compliance
This disclosure complies with the Federal Trade Commission’s guidelines requiring clear and conspicuous disclosure of material connections between advertisers and endorsers.
Key FTC Requirements:
- Affiliate relationships must be disclosed “clearly and conspicuously”
- Disclosures must be placed where consumers can easily notice them
- Disclosures must be in plain language that consumers can understand
- Disclosures must be made for each affiliate link or recommendation
Specific Affiliate Relationships
We maintain affiliate relationships with the following types of partners:
An an upstart, we don’t have direct affiliate relationships yet with any partners. We may earn affilaite income in the form of miles and points as a cardholder of various Capital One and Chase credit cards.
Credit Card Issuers and Banks
- Major credit card issuers (American Express, Chase, Citi, Capital One, etc.)
- Regional and specialty banks
- Credit unions with affiliate programs
Affiliate Networks
We participate in affiliate networks that aggregate multiple card issuers:
- To be established as partnerships are finalized
Travel and Financial Services
We may also have affiliate relationships with:
- Hotel loyalty programs
- Airline frequent flyer programs
- Travel booking platforms
- Credit monitoring services
- Banking and investment platforms
This list is not exhaustive and may change over time as we establish new partnerships.
Products We Don’t Have Affiliate Relationships With
In some cases, we recommend products where we do NOT earn commissions, including:
- Cards from issuers without affiliate programs
- Products we believe offer superior value despite lower/no commissions
- Strategies involving non-affiliate products
When we recommend non-affiliate products, we clearly state this in our content.
How Affiliate Links Work
Cookies and Tracking
When you click an affiliate link:
- Cookie placement: A tracking cookie is placed on your browser
- Referral attribution: If you apply for the product, the application is attributed to us
- Commission payment: We receive a commission if you’re approved
- Your privacy: We do NOT receive your application details, financial information, or approval status
Cookie duration: Typically 30-90 days, depending on the affiliate program.
Application Process
After clicking our affiliate link:
- You leave our Site and visit the issuer’s website
- You apply directly with the credit card issuer
- Your application is governed by the issuer’s terms and privacy policy
- We are notified if you’re approved (without receiving personal details)
- We receive commission payment from the issuer or affiliate network
Important: We have no involvement in credit decisions, application processing, or customer service after you leave our Site.
Verification and Trust
How to Verify Our Recommendations
You can independently verify our analysis by:
- Checking current offers directly on issuer websites
- Comparing our valuations to other expert sources
- Reading our methodology to understand our analytical approach
- Reviewing issuer terms and conditions before applying
- Consulting financial professionals about your specific situation
Our Credentials
This Site is operated by Neal Gottlieb, a CFO with 25 years of finance and business experience. My professional background as a CFO informs my analytical approach to credit card strategy and rewards optimization.
Conflicts of Interest
We acknowledge potential conflicts between earning commissions and providing unbiased advice. We manage these conflicts through:
Transparency
- Clear disclosure of all affiliate relationships
- Honest communication about our financial incentives
- Explanation of our editorial decision-making process
Methodology
- Data-driven analysis using objective valuation methods
- Transparent modeling of point values and redemption scenarios
- Comparison of products across multiple dimensions, not just commission potential
Accountability
- Regular review of recommendations to ensure continued accuracy
- Updates when better products emerge
- Willingness to recommend against our financial interest when appropriate
Changes to Affiliate Relationships
Our affiliate partnerships may change over time as we:
- Establish new relationships with additional issuers
- Terminate relationships that don’t align with our standards
- Negotiate different commission structures
- Expand into new product categories
We will update this disclosure to reflect material changes in our affiliate relationships.
Questions About Our Affiliate Relationships
If you have questions about:
- Our affiliate partnerships
- How we evaluate products
- Specific commission arrangements
- Our editorial standards
Please contact us at neal@thepointspreneur.com. We’re committed to transparency and will respond to inquiries about our affiliate relationships.
Your Choices
You are never required to use our affiliate links. You may:
- Apply directly through issuer websites
- Use comparison tools from non-affiliate sources
- Consult financial advisors for personalized advice
- Verify all information independently
Our goal is to provide valuable analysis regardless of whether you use our affiliate links.
Legal Disclaimer
THIS DISCLOSURE IS REQUIRED BY LAW AND INFORMS YOU OF OUR FINANCIAL RELATIONSHIPS.
Material connections exist between The Points Preneur and credit card issuers, banks, and financial service providers mentioned on this Site. We receive compensation for approved applications generated through our affiliate links.
This compensation may influence which products appear on the Site and how they are presented, but does not determine our editorial recommendations or override our commitment to analytical integrity.
You should always:
- Verify current offers and terms directly with issuers
- Consider your individual financial situation
- Read all terms and conditions before applying
- Understand that applying for credit may impact your credit score
- Consult qualified financial professionals for personalized advice
Contact Information
The Points Preneur
Neal Gottlieb
Email: neal@thepointspreneur.com
Website: thepointspreneur.com
For questions about this disclosure: neal@thepointspreneur.com
Last Updated: March 2, 2026
This Affiliate Disclosure may be updated periodically. Please review it regularly to stay informed about our affiliate relationships and editorial standards.