Advertiser Disclosure

Points to the T is an independent publication operated by FTLM, LLC. Some links on this site are affiliate links, which means we may earn a commission when a reader applies for or purchases a product through them, at no additional cost to the reader.

We work with credit card issuers and travel partners through affiliate networks including (but not limited to) Impact, ShareASale, FlexOffers, and direct partnerships. Our editorial recommendations are not influenced by these relationships. We only recommend products we believe represent good value for our readers' situations.

Per FTC §255 guidelines, every page on this site that contains affiliate links carries a clear disclosure. Our newsletters with affiliate links include disclosure in the email body. Social posts use #ad or #affiliate tags as appropriate.

Opinions expressed here are the author's alone and have not been reviewed, approved, or otherwise endorsed by any of the entities mentioned.

Last updated: 2026-05-01.