PointsTravelClub is an independent publication. Some of the credit-card offers on this site come from companies that pay us a referral commission when you click through and are approved.\n\n## What this means\n\n- It does not change our editorial coverage. We rank cards by point value, perks, and real-world usefulness — not by what pays us the most.\n- We don’t cover every card. If we don’t think a card is competitive, we don’t list it, regardless of whether it pays a referral fee.\n- Annual fee, APR, and bonus details come directly from the issuer’s public terms at the time of publishing and may change. Always check the issuer’s page before applying.\n\n## Opinions are our own\n\nReviews and recommendations on this site reflect the views of our editorial team and have not been reviewed, approved, or endorsed by any bank, card issuer, airline, hotel chain, or other entity.\n\n_Last updated May 2026._
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