Affiliate Disclosure

Last updated: July 2026

Loyalty Concierge is an independent Canadian rewards guidance service. Some of the links on our site — particularly links to credit card applications or travel partners — are affiliate links. If you apply for a product through one of these links and are approved, we may receive a commission from the issuer or partner. There is no additional cost to you.

How affiliate relationships influence our recommendations

They don't. Our recommendations are generated by a deterministic engine using the information you share with us: the cards in your wallet, your loyalty programs, your estimated spending, and your goals. We rank suggestions by expected value to you — not by commission.

If we ever list an affiliate product where a better non-affiliate option exists for your situation, the recommendation engine will still surface the better option first.

Transparency

Where an outbound link is an affiliate link, we will identify it clearly. We may not have affiliate relationships with every issuer or program we discuss — the absence of a link doesn't mean a product is less suitable.

Not professional advice

Nothing on the Service constitutes financial, legal, or tax advice. Reward values, card benefits, fees, program rules, and sign-up offers change frequently — always verify current terms directly with the issuer or loyalty program before applying or redeeming.

Contact

Questions about our affiliate practices? Email support@loyaltyconcierge.ca.