Northern Points is a personal blog. Some links on this site are referral links. If you apply through one and are approved, I may receive points, miles or other rewards from the card issuer. This costs you nothing.
I only write about cards I have held or researched, and referral rewards never change my opinion. Card details can change at any time, so always confirm terms on the issuer’s official website before applying.
I am not a financial advisor. Nothing here is financial advice. Using credit responsibly, and paying your balance in full, is your responsibility.