Advertiser disclosure

PointsUser is free to use. When you apply for a credit card through a link on this site and are approved, the card issuer or its affiliate network may pay us a referral fee. That is how the site is funded.

What it doesn't change

The cards, credits and earn rates we show come from the issuers' published terms and are the same whether or not we have a paid link for a card. A card with no affiliate relationship is listed and described exactly like one that has. Deals, award prices and restaurant listings carry no affiliate relationship at all.

What to expect

Apply links open the issuer's own application page. Your application, approval and account are entirely between you and the issuer; we never see your application details. Welcome offers change often, so check the terms on the issuer's page before you apply.

Contact

info@pointsuser.com