Quick version: some links on this site (and on my Instagram, TikTok and Facebook) are referral or affiliate links. If you use one, I may earn something. Here's exactly what that means.
How I make money from links
When you apply for a credit card through one of my referral links and get approved, I may earn bonus points, miles or a statement credit. When you shop through some of my links (like my Amazon storefront, Rakuten, Capital One Shopping, Dosey or Nuuly), I may earn a commission or cash back. It never costs you extra.
As an Amazon Associate I earn from qualifying purchases.
What I share, and why
My opinions are my own. I only share cards, programs and products I actually use or have used, and the trips you see are ones my family really took, with the real math. If a card isn't a fit for how I travel, I'll tell you that too. Nobody pays me to say nice things, and an affiliate link doesn't change what I'd tell you over coffee.
Card offers change
Welcome offers, annual fees, earning rates and benefits change all the time, sometimes weekly. Anything I mention is what I saw when I wrote it. Always check the current terms on the issuer's site before you apply.
The fine print on card content
The content on this site isn't provided, reviewed, approved or endorsed by any credit card issuer, bank or airline or hotel loyalty program. Any opinions, analyses or recommendations are mine alone.
Not financial advice
I'm a mom who loves points and spreadsheets, not a financial advisor. Nothing here is financial, tax or legal advice. Points and miles work best when you pay your cards in full every month. If carrying a balance is on the table, the interest wipes out the rewards fast, so please skip the card.
Questions?
Email me at [email protected]. Want to know how I handle your info? Here's my privacy policy.
Last updated: October 18, 2026
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