Disclaimer
Last updated: October 2026
Earnings & Results Disclaimer
Travel Gratis and its owner, Jeffrey Seavey, make no guarantee of specific results from the strategies, information, or guidance presented in any Travel Gratis publication. Individual results will vary based on personal financial situation, credit history, spending habits, card issuer policies, loyalty program terms, and other factors outside the control of Travel Gratis.
All examples of trips, points earned, and travel value described in Travel Gratis publications are based on the personal experience of the author and are provided for illustrative purposes only. These examples represent what has been possible for the author and should not be interpreted as typical or guaranteed outcomes for any reader.
Not Financial or Legal Advice
The information provided in Travel Gratis publications is for educational and informational purposes only. Nothing on this website or in any Travel Gratis product constitutes financial advice, legal advice, credit counseling, or professional guidance of any kind.
Opening credit cards, carrying balances, and participating in loyalty programs involve financial risk. Readers are encouraged to consult with a qualified financial advisor before making any credit or financial decisions. Travel Gratis assumes no liability for any financial decisions made by readers based on information contained in its publications.
Credit & Financial Risk
Travel rewards strategies involving credit cards carry inherent risks, including but not limited to:
- Impact to your credit score from hard inquiries and new accounts
- Risk of carrying balances and accruing interest if spending is not managed carefully
- Annual fees associated with premium credit cards
- Changes to card terms, reward rates, or program rules by issuers at any time
- Denial of credit applications based on individual credit profiles
The strategies described in Travel Gratis publications are intended only for individuals who pay their credit card balances in full each month. These strategies are not suitable for individuals who carry balances or who may be tempted to spend beyond their means to meet minimum spend requirements.
Loyalty Program Terms
Airline miles, hotel points, and credit card rewards are subject to the terms and conditions of the issuing airline, hotel chain, or bank. These terms may change at any time without notice. Point values, award charts, transfer ratios, and program benefits described in Travel Gratis publications reflect information available at the time of writing and may no longer be accurate at the time of reading.
Travel Gratis makes no representation that any specific redemption, award price, card offer, or program benefit described in its publications will remain available. Readers are advised to verify all current program terms directly with the relevant issuer or loyalty program before making decisions.
Affiliate Relationships
Travel Gratis may contain links to third-party websites or credit card offers. Some of these links may be affiliate links, meaning Travel Gratis may receive compensation if a reader applies for or is approved for a credit card through such a link. This compensation does not affect the editorial content of Travel Gratis publications or the order in which products are recommended. Travel Gratis only discusses products and strategies the author has personally used and believes to be valuable.
No Guarantee of Approval
Credit card approval is determined solely by the issuing bank based on each applicant's individual credit profile. Travel Gratis cannot guarantee that any reader will be approved for any credit card discussed in its publications. Recommendations regarding card sequencing and credit score preparation are based on general strategies and may not apply to every individual situation.
Contact
For questions about this disclaimer or any Travel Gratis publication, please contact us by email at jeff@travel-gratis.com.