disclosures

pointlss currently has no paid placements, sponsorships or referral links. no issuer pays to appear or to rank higher. rankings come only from the calculation described on our about page.

if we add referral links in the future, they'll be clearly labelled where they appear, this page will be updated, and they won't change how cards are ordered.

pointlss is an independent information tool. it is not a registered financial adviser, broker or lender. nothing on the site is a recommendation to apply for, keep or cancel any product. your situation may differ from what the tool assumes.

pointlss is not affiliated with, endorsed by or sponsored by american express, chase, td, cibc, capital one, visa, mastercard, air canada, aeroplan, marriott, hyatt or any other issuer, network or loyalty program. names are used only to identify products.

• card details are gathered automatically from issuer websites and public points publications, then checked daily.
• each card shows the date it was last verified and its sources. cards marked "not verified yet" haven't been checked.
• targeted, in-branch and referral offers can differ from what we show.
• fees, earn rates and offers can change without notice. the issuer's terms always take precedence.

dollar values are estimates based on the point values in your settings, your estimated spend and exchange rates you control. actual redemption value varies widely. welcome bonus values assume you meet the spend requirement without changing how you spend.

the wallet assistant writes explanations using an ai model. it's given the numbers our engine calculated and told not to invent figures, but it can still make mistakes. card data updates are also gathered with ai assistance and checked against automated rules.

email hello@pointlss.com and we'll fix it.