Naya Works is a personal site about AI, credit cards, financial independence and interview prep. This page explains how card links on the site work, so you know what to expect.
Referral links
Some card links on Naya Works are referral links. If you apply through one and are approved, I may earn a referral bonus, such as bonus points, at no extra cost to you. Where a page contains a referral link, it says so near the link. Pages that mention a card without a referral link, including the co-branded Amex Platinum cards from Schwab and Morgan Stanley, earn me nothing.
How I write about cards
Card details come from issuer pages and several travel and points sites, and I note when a figure is unconfirmed. I try to explain who a card is good for and who it is not good for. A referral link existing for a card is not a reason it appears on the site or how it is described.
Offers change
Welcome offers, credits and fees change often and vary by applicant. Always confirm the current terms with the issuer before applying. Each guide shows when it was last updated.
Not financial advice
Everything here is general information and my own opinion. I am not a licensed financial advisor, and nothing on the site is personal financial, tax or legal advice. Your situation may be different, so consider your own circumstances before applying for any card.
Questions
If something on the site looks out of date or unclear, tell me through the contact options on the About page.