Advertising Disclosure

He’s Got a Point is viewer-supported. Some of the non-card content and links on this site are sponsored or affiliate-based — meaning I may earn a commission or a flat fee when you make a purchase or take an action through one of those links. Here’s what that means in plain terms.

1. No credit card commissions

I do not make money from credit card companies, their products, or their services — period. There are no affiliate links, referral fees, or commissions tied to any card recommendation on this site. My card picks, rankings, and reviews are entirely my own. No issuer pays me to recommend their product.

2. How this site earns

• Affiliate commissions — For non-card products (mobile apps, tools, services, and similar), some links are affiliate links. If you purchase through one of these links, I may earn a commission at no extra cost to you.
• Sponsored content — Occasionally, a brand pays to have a product or offer featured on this site. When that’s the case, it will be labeled as sponsored.
• Flat-fee placements — Some partners pay a flat fee to appear in certain sections of the site.

3. Editorial standards

I turn down sponsorships for products I wouldn’t use or recommend myself. My editorial conclusions are my own.

4. Spotting sponsored content

Sponsored posts and paid placements are labeled clearly. This disclosure applies site-wide and covers all affiliate relationships.

5. Accuracy

Card terms, rates, annual fees, and sign-up offers change frequently and without notice. The information on this site is for educational purposes — always verify current terms directly on the issuer’s website before applying.

6. What I won’t promote

Not everything is a fit. I don’t accept sponsorships for predatory financial products, payday lenders, buy-now-pay-later services, cryptocurrency platforms, or anything I think would cause more harm than good to the people watching. If a brand doesn’t pass that bar, the answer is no regardless of what they’re paying.

7. Work with me

If you represent a brand or product that would genuinely be useful to this audience and want to explore a partnership, reach out at hesgotapoint0@gmail.com with a brief description of what you’re promoting and what you have in mind. I’m happy to explore what a partnership with you might look like.

8. Questions

For general questions about a specific piece of content or whether something was compensated, reach out at hesgotapoint0@gmail.com.