Years ago, credit card review sites and bloggers were dependable sources for advice. But today, with lucrative referral commissions available, recommendations often reflect marketing incentives more than genuine expertise.

Before applying for any card, it’s worth considering the source of the advice and whether it can be trusted.

Travel influencers may be biased

As a content creator and credit card influencer myself, I only recommend cards I have personally used. While I do earn referral points or affiliate commissions on some recommendations, it’s a minor part of my income, so I’m not afraid to share my honest opinions about the 20-plus cards I currently have.

The same can’t be said about travel or points influencers. A few years ago, a credit card offered a substantial payout of $400

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