Data-driven credit card advice. Independent from banks. Built for maximizers.
Points Collective exists because most credit card "advice" online is just thinly veiled advertising. We take a different approach: independent, data-driven analysis of credit card products, points strategies, and travel hacking techniques. We do the math so you don't have to.
What We Cover
Best Cards
Side-by-side comparisons with real numbers: annual fees vs. rewards value, broken down by spending category.
Points Strategy
How to earn, transfer, and redeem points for maximum value. Including sweet spots most people miss.
Travel Hacking
Practical guides to booking premium travel using points and miles, from first-class flights to luxury hotels.
Reviews
In-depth, honest reviews of credit cards, loyalty programs, and travel products.
Our Approach
Every card recommendation includes real math: expected annual value based on typical spending patterns, not best-case scenarios.
We are not affiliated with any bank or card issuer. Our editorial opinions are completely independent.
We update our content regularly as card benefits, annual fees, and point valuations change.
How We Make Money
We earn commissions when you apply for cards through our links. This is how we keep the site free. However, our rankings and recommendations are based entirely on our independent analysis. We frequently recommend cards that don't pay us commissions if they're the best option for readers.
Free: Points Starter Guide
Learn which cards to get first, how to maximize signup bonuses, and the basics of points & miles.
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