UNDERSTAND THE MODEL

Information & disclosures.

Planning estimates

RewardsPilot provides credit-card comparisons and financial education tools. Results depend on the spending, eligibility, utilization, and point-value assumptions you enter. They are not a guarantee of savings, approval, reward availability, or redemption value.

Card and program data

The catalog retains historical card records. Terms, offers, annual fees, transfer rules, and award availability may have changed. Confirm current details with the issuer or program before acting. Card artwork and product names identify their respective products and do not imply endorsement.

Model limitations

Annual spending is modeled as a constant monthly plan. Periodic caps reset within that plan. Card recommendations and stack comparisons use deterministic marginal and greedy methods, not an exhaustive mathematical optimum. Use-now/hold comparisons include projected new earning and do not model award inventory or the full opportunity cost of waiting.

Editorial independence

The current app does not rank cards by affiliate compensation. No affiliate application links are included in this release. Contact support@rewardspilot.net with questions about partnerships or disclosures.

No financial actions

The app does not apply for cards, move money or points, or execute redemptions. Provider terms and any applicable agreements remain separate.