Terms of use

Education, not advice

Everything on thepointsinvestor.com, including the tools, valuations, examples and the Points Challenge, is general education about loyalty programs and credit card rewards. It is not financial, credit, tax or legal advice, and it does not take your situation into account. Card approval, fees, rewards and award prices are set by the issuers and programs and change without notice. Check the current terms with the issuer or program before you apply, transfer or book.

Accuracy

We date and source every value and correct errors when we find them, but we cannot guarantee that every figure is current or complete. Transfers between programs usually cannot be reversed, so confirm award space before you move points. We are not responsible for decisions you make, or losses you suffer, from using the site.

The tools

The tools are free to use for your own travel planning. They run in your browser, and the values you enter stay on your device. Please don't copy the tools or the datasets to publish them elsewhere, or scrape the site, without asking us first.

Content and trademarks

The text, tools, data compilations and graphics on this site belong to Points Investor LLC. You are welcome to quote short passages with a link back. VER System™, CVP Formula™, Investor Cost™ and Flexibility Index™ are trademarks of Points Investor LLC. Airline, hotel, bank and card names belong to their owners and are used only to identify them; we are not affiliated with or endorsed by them unless we say so.

Links and affiliate links

We link to other sites for convenience and are not responsible for their content. Some links may earn us a commission, as explained in our Disclosures.

Changes and contact

We may update these terms; the date below shows the latest version. These terms are governed by the laws of the State of Wyoming, USA, without limiting any rights you have as a consumer where you live. Questions: info@thepointsinvestor.com.