Disclaimer

Last updated: October 20, 2026

This Disclaimer applies to milesandpointsguru.com (the “Site”) and to the content Miles and Points Guru publishes on its newsletter, social media accounts, videos, and digital products. It is part of our Terms and Conditions.

For general information and education only

Everything we publish is general information about travel rewards, loyalty programs, and credit cards. It is not tailored to your personal circumstances and is not a substitute for advice from a qualified professional.

Not financial, credit, tax, or legal advice

Miles and Points Guru and its authors are not financial advisors, credit counselors, accountants, tax professionals, or attorneys. Nothing on the Site is financial, investment, credit, tax, or legal advice. Before you open or close a credit card, transfer points, or make any other financial decision, consider your own situation and, where appropriate, talk to a qualified professional.

Credit cards

Credit cards are financial products. Applying for, opening, or closing cards can affect your credit score.
Travel rewards strategies only make sense if you pay your balance in full every month. Interest charges and fees will quickly cost more than any points or miles you earn.
Approval, credit limits, and eligibility for bonuses are decided solely by the card issuer. We cannot guarantee that you will be approved or that you will receive any bonus.
Welcome offers, annual fees, rates, benefits, and terms change often. Some offers mentioned on the Site may have expired or changed since publication. Always confirm the current terms on the issuer’s website before you apply.

Travel, award availability, and loyalty programs

Airline and hotel loyalty programs can change award charts, transfer ratios, partner relationships, fees, and rules at any time, sometimes without notice. Award availability, cash prices, taxes, and surcharges change constantly. Examples and redemption values on the Site reflect what we saw at the time and may not be available to you.

You are responsible for checking passport, visa, health, and entry requirements, travel advisories, and the terms of any booking before you travel. Consider travel insurance where appropriate.

Accuracy and timeliness

We work hard to keep our content accurate and up to date, but we cannot guarantee that all information is complete, current, or error-free. Content is accurate to the best of our knowledge as of the date it was published or last updated. If you spot an error, please let us know through our contact page and we will review it.

Personal experiences and results

Trip reports, case studies, and examples describe our own or other people’s experiences. They are not typical results and are not a promise that you will get the same outcome. Your results depend on your credit profile, spending, travel plans, timing, and many other factors.

Opinions and editorial content

The opinions expressed on the Site are the author’s alone. They have not been provided, reviewed, approved, or otherwise endorsed by any bank, card issuer, airline, hotel chain, or other company unless we explicitly say so. Trademarks and brand names belong to their respective owners, and their use does not imply endorsement.

Affiliate links and advertising

Some links on the Site are affiliate or referral links, and we may be compensated when you use them. See our Advertiser Disclosure for details.

Third-party websites

The Site links to websites and services run by others, including card issuers, airlines, hotels, booking tools, and retailers. We do not control and are not responsible for their content, products, services, or privacy practices. When you leave the Site, their own terms and privacy policies apply.

Your responsibility

You use the Site and act on any information in it at your own risk. To the fullest extent permitted by law, Miles and Points Guru is not liable for any loss or damage arising from your use of, or reliance on, information on the Site. See the Terms and Conditions for full details.

Contact

Questions about this Disclaimer? Email contact@milesandpointsguru.com.