Terms of Use

Last updated: October 5, 2026

These terms explain how you can use PointFam at pointfam.com. By using the site, you agree to them. If you do not agree, please do not use the site.

Information only

Everything on PointFam is general information for educational purposes. It is not financial, legal, or tax advice. We do not offer financial, legal, or tax advisory services. Your situation is your own, so talk to a qualified professional before you make a decision that matters to you.

No guarantees

We share what we have learned and what we have checked. We cannot promise any result. That includes whether you will be approved for a card, whether a fee will be waived, what a point or mile is worth, or how much you will save.

Terms change, so check the issuer

Card fees, earn rates, credits, and benefits change often, sometimes without notice. Each article shows a "Last verified" date for when we last checked it. Before you apply for, keep, or close a card, confirm the current terms on the issuer's official site.

How we make money

Right now, PointFam has no affiliate or referral links. If we add them later, we will label each one right next to the link and update our Affiliate Disclosure.

Independence

PointFam is an independent site. It is not affiliated with, sponsored by, or endorsed by the U.S. Department of Defense or any branch of the U.S. military, or by any card issuer we write about.

Content as is

We work to keep our content accurate, but it is provided as is. It may contain mistakes or go out of date. We may update, correct, or remove content at any time.

Links to other sites

We link to issuer pages, government sources, and other sites so you can check things for yourself. We do not control those sites and are not responsible for their content, terms, or privacy practices.

Our content

The writing on PointFam belongs to us. You are welcome to share links and short quotes with credit. Please do not republish whole articles or large parts of them without our permission.

Changes to these terms

We may update these terms. When we do, we will post the new version on this page and change the date above.

Contact

Questions about these terms? Email us at [email protected].