Terms & conditions

Last Updated: August 2026

Welcome to Point Savvy Traveler ("Website," "we," "our," or "us"). By accessing and using this Website, you agree to comply with and be bound by these Terms & Conditions. If you do not agree with these terms, please do not use this Website.

1. Educational Purposes Only

The content provided on Point Savvy Traveler is for informational and educational purposes only. While we strive to provide accurate and up-to-date information regarding points, miles, travel rewards, credit cards, and travel strategies, we make no guarantees regarding the completeness, accuracy, or reliability of any information presented.

Nothing on this Website should be considered financial, legal, tax, accounting, or investment advice. You should consult with qualified professionals regarding your individual circumstances before making financial decisions.

2. Credit Card and Travel Information

Credit card offers, welcome bonuses, benefits, annual fees, airline programs, hotel loyalty programs, award pricing, and travel promotions can change at any time without notice.

While we make reasonable efforts to keep information current, it is your responsibility to verify all details directly with the applicable bank, airline, hotel, travel provider, or merchant before applying for products, transferring points, booking travel, or making purchasing decisions.

3. Affiliate Relationships

Some links on this Website may be affiliate links. This means we may earn a commission if you click a link and make a purchase or complete an application, at no additional cost to you.

Our recommendations are based on our own opinions and experiences. Affiliate relationships do not influence our editorial content. Please review our Affiliate Disclosure for additional information.

4. No Guarantees

Travel rewards results vary based on individual circumstances, creditworthiness, spending habits, travel goals, award availability, and loyalty program rules.

We do not guarantee approval for any credit card, specific travel outcomes, award availability, point valuations, or savings amounts.

5. Third-Party Websites

This Website may link to third-party websites, products, services, and resources. We are not responsible for the content, policies, accuracy, availability, or practices of any third-party websites.

Accessing third-party websites is done at your own risk.

6. Intellectual Property

All content on this Website, including text, graphics, logos, images, downloads, and original materials, is the property of Point Savvy Traveler unless otherwise stated and is protected by applicable copyright and intellectual property laws.

You may not reproduce, distribute, modify, republish, or exploit any content from this Website without prior written permission.

7. User Responsibility

By using this Website, you acknowledge that any decisions regarding credit cards, points transfers, travel bookings, purchases, or financial matters are made solely at your own discretion and risk.

You agree to conduct your own research and verify information before acting upon it.

8. Limitation of Liability

To the fullest extent permitted by law, Point Savvy Traveler and its owner shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of this Website or reliance on any information provided herein.

9. Changes to These Terms

We reserve the right to update or modify these Terms & Conditions at any time without prior notice. Changes will become effective immediately upon posting to this page.

Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

10. Contact

If you have any questions regarding these Terms & Conditions, please contact us through the Contact page on this Website.