How This Site Makes Money
Michael Martinez Finance is an independently operated personal finance website. Some of the links on this site are affiliate links, which means I may earn a commission if you click through and apply for or purchase a product. This comes at no additional cost to you.
I only recommend products and services that I personally use, have thoroughly researched, or genuinely believe will help you. My editorial opinions are my own and are not influenced by compensation. The math, analysis, and recommendations on this site reflect my honest assessment.
Affiliate Relationships
This site may earn commissions through affiliate relationships with the following types of companies:
- Credit card issuers (Chase, American Express, Capital One, Wells Fargo, Citi, and others)
- Banks and financial institutions offering checking, savings, and bonus promotions
- Financial technology platforms and tools
- Software and services mentioned in business-related content
How Affiliate Links Work
When you click an affiliate link and take a qualifying action (such as submitting a credit card application or opening a bank account), the company may pay this site a referral fee. This fee is paid by the company, not by you. Your terms, rates, and approval decisions are determined entirely by the issuer and are not affected by whether you use an affiliate link.
Editorial Independence
Affiliate compensation does not influence the content, topics, or recommendations on this site. I frequently recommend products that do not have affiliate programs and have declined partnerships that do not align with the best interests of my audience. Product rankings, ratings, and “Best For / Not For” assessments are based on my own research, math, and personal experience.
Important Reminders
- Credit card applications result in a hard inquiry on your credit report. Terms apply.
- Always pay your credit card balance in full each month. Carrying a balance incurs interest charges that can outweigh any rewards earned.
- Bank bonuses are typically reported as taxable income (1099-INT). Review all requirements before applying.
- I am not a financial advisor, CPA, or attorney. Content on this site reflects personal experience and opinion, not professional financial advice.
Contact
If you have questions about affiliate relationships on this site, please contact [email protected].
This page was last updated on April 10, 2026.