Affiliate Disclosure

Last updated: July 2026

Some links in this content are referral/affiliate links. If you sign up through them, I may earn a bonus, commission, or reward at no extra cost to you. I only recommend products I actually use and believe in.

What that means in practice

When I mention a specific credit card, booking tool, or financial product, some of those links may be affiliate or referral links. That relationship never determines what I recommend — I write about the cards and tools I actually use with my own family, and I turn down partnerships that don't fit that bar.

Points Concierge is not financial advice

The Points Concierge service (Card Strategy Session and Trip Planning Session) is travel and points strategy only. It is not financial, investment, tax, or credit advice, and nothing discussed on a Points Concierge call should be treated as a personalized recommendation about investments, debt, or credit beyond travel rewards strategy. I am not a licensed financial advisor. For decisions about investing, debt payoff strategy, or credit beyond travel rewards, please consult a qualified professional.

Questions

If you have questions about a specific link or partnership, email nate@thepatiencepath.com.