About Points & Prime

Everyone in this category writes as though they have carried every card in their wallet for a year. We have not carried any of them, and we would rather say so than imply otherwise.

What we do instead: read the published terms from the issuer, compile the rates into one reviewed file, compute the break-even arithmetic in public so you can re-run it with your own spending, put the source link next to every number, and date the check. Across 22 content pages that currently means 41 sourced figures drawn from 6 published sources, each one dated on the line where it appears.

Two other numbers where zero is the good answer: sponsored placements: 0 and free products accepted: 0. No issuer has paid for a position on this site, and none has seen a page before you did.

An enthusiast who's genuinely into this. I read the terms, compile the published rates, and do the math. No lab coat, no credentials, no test lab. That framing is deliberate and it is worth being explicit about, on a site about money.

There is no financial credential here. No CFP, no CFEI, no analyst, no advisory board, no “financially reviewed by”. The publishers that outrank us in this category have those things and display them prominently, and they are right to. We do not have them, and the worst thing we could do is manufacture something that looks like them.

What is genuinely first-hand about this site is narrower and, we think, more checkable: we read the terms, we compiled them, we did the arithmetic, we cited the sources, and we dated the work. Anyone can verify every one of those claims by following the links. The method in full.

Points & Prime is published by Type 5 Marketing LLC. It launched in 2026, which is worth stating plainly rather than letting a design imply a decade of history: this is a new site, and its argument rests on its method rather than on its age.

It is a small operation. One writer, a defined set of programs, and a deliberately modest publishing pace, because in this category the real constraint is not writing pages — it is keeping every published figure accurate forever. Twenty pages that are all correct beat forty where a third have gone stale.

If you search whether an Amazon card is worth it, a striking number of people append “reddit” to the query. They are not short of information — the results are wall to wall with large, well-staffed finance publishers. They are short of an answer they believe.

That is the gap. Three things we do about it:

• Publish the arithmetic. Not a verdict — the working, so you can substitute your own spending and get your own answer.
• Say when the answer is no. Every decision page carries a “Skip this if…” section at the same weight as the upside. A page that cannot say don’t is an advert.
• Date every number. Rates and fees change. A figure without a date is a claim about the past pretending to be a claim about now.

Amazon pays a flat fee when a reader signs up for a program through one of our links. We are not paid per purchase, we earn nothing on what you buy afterwards, and it does not decide what we recommend — the evidence for which is that we recommend against one of the two cards we cover for most readers, and that trust pages like this one carry no links at all.

The full affiliate disclosure · Editorial policy · How we research

If a figure here is out of date or wrong, tell us: info@pointsandprime.com. We check it, correct it, and re-date the page. The contact page has a form if you prefer.