About BonusBoarding

Our mission

BonusBoarding started with a simple frustration: most credit card "advice" online is either a wall of fine print no normal person will read, or a thinly disguised ad steering you toward whatever pays the website the most. We wanted a third option — guides that explain how rewards actually work, do the dollar math honestly, and tell you when a card or bonus isn't worth it.

Everything we publish is built to answer one question: what would I tell a friend who asked me this? That means real recommendations, real trade-offs, and worked examples with numbers — not generic filler.

What we cover

We focus on four areas where a little knowledge translates directly into money saved or earned:

• Credit card strategy — picking the right card for how you actually spend, maximizing welcome bonuses, deciding whether an annual fee earns its keep, and understanding issuer rules like Chase 5/24.
• Points & miles — transferable currencies (Chase Ultimate Rewards, Amex Membership Rewards, Capital One miles, Citi ThankYou), transfer partners, transfer bonuses, and how to redeem for outsized value instead of leaving points to wither.
• Travel rewards — airline and hotel loyalty programs, airport lounges, TSA PreCheck and Global Entry, and credit card travel protections most people never claim.
• Banking & credit — checking and savings bonuses worth chasing, high-yield savings, building US credit from scratch (including guides for newcomers and immigrants), and reading your credit report.

Who is behind BonusBoarding

BonusBoarding is written and edited by Ray, the site's founder, with help from a small editorial team that researches offers and checks numbers before anything goes live. Ray is the founder of BonusBoarding. He writes practical, no-fluff guides on US credit cards, points, miles, and travel rewards — sharing the strategies he uses to earn and redeem rewards for maximum value, with a special eye for newcomers building credit in the US.

Ray has been earning and burning points for years across the major US programs — Chase, American Express, Capital One, Citi, and the main airline and hotel loyalty schemes — and writes from that hands-on experience. He also came to the US as a newcomer himself and built his credit from zero — no history, no score — which is why guides for immigrants, students, and anyone starting from scratch get first-class treatment here instead of an afterthought. Read more on the author page.

How we keep things accurate

Credit card terms change constantly — welcome bonuses, annual fees, earning rates, and award prices all move. We take accuracy seriously because getting it wrong can cost you real money. In short:

• Every factual claim is checked against primary sources — issuer websites, loyalty program terms, and official announcements — before publishing.
• Time-sensitive numbers (bonuses, fees, APRs) are verified, and we tell you to confirm current terms with the issuer because offers change without notice.
• We update or correct articles when the facts change, and corrections from readers get priority.

The full process — including how we evaluate and rank cards, and our stance on independence — is on our Editorial Standards page.

How we make money (and why it doesn't change our advice)

BonusBoarding earns money two ways: display advertising, and affiliate commissions when a reader applies for some (not all) of the cards and accounts we mention. We only ever recommend products we genuinely believe in, and a partner relationship never buys a better review or a higher ranking. Plenty of the cards we rate most highly pay us nothing. For the full details, see our Affiliate Disclosure.

What we are not

We're a publisher, not a financial advisor, bank, or broker. Nothing here is personalized financial advice, and we can't tell you whether you'll be approved for a particular card — for that, talk to the issuer or a licensed professional. See our Disclaimer for the specifics.

Get in touch

Questions, corrections, or topic suggestions are always welcome. Email us at [email protected] — we read everything, and we'll fix anything that's out of date.