Affiliate Disclosure
Effective Date: May 1, 2026 | Contact: rhoreturnsmedia@outlook.com
Who We Are
CashbackFocus.com is an independent personal finance website dedicated to helping consumers find the best cash back credit cards, rewards cards, and financial products. We provide objective research, head-to-head comparisons, and educational content to help you make informed financial decisions.
How We Make Money
CashbackFocus.com participates in affiliate marketing programs. This means we may earn a commission when you click on links to financial products and services featured on our site and subsequently apply for or are approved for those products. These commissions help us fund our operations and continue providing free content to readers.
Commissions are paid by the financial institutions and service providers — not by you. You will never pay more (and often pay the same) for a product because you applied through one of our affiliate links.
Affiliate Programs We Participate In
We work with the following affiliate networks and programs:
- CJ Affiliate (Commission Junction) — one of the largest affiliate networks, connecting us with major financial institutions and card issuers
- Impact.com — a leading performance marketing platform used by major banks and fintech companies
- Direct Issuer Programs — we may participate in direct affiliate relationships with card issuers outside of third-party networks
- Amazon Associates — for any book or product recommendations related to personal finance
Not all products or services mentioned on this site are covered by an affiliate relationship. We include products in our comparisons based on their merit, regardless of whether we earn a commission.
Editorial Independence
Our editorial team operates independently from our business and revenue operations. The commissions we earn do not influence:
- Which cards or products are featured in our comparisons
- How cards are ranked in our “best of” lists
- Our star ratings, scores, or review conclusions
- Whether a product receives positive or negative coverage
Our rankings are based on objective criteria including rewards rates, annual fees, sign-up bonuses, APR ranges, redemption flexibility, and overall value. We may feature non-affiliate products and give them high rankings when warranted by their merits.
FTC Compliance Statement
This disclosure is made in accordance with the Federal Trade Commission’s guidelines on endorsements and testimonials (16 CFR Part 255) and the FTC’s guidance on disclosures in digital advertising and online reviews.
We are committed to transparency with our readers. Whenever content on this site may be influenced by a material connection — including affiliate compensation — we will clearly disclose that relationship. Our advertiser disclosure banner appears at the top of all relevant pages and articles.
Important Disclaimers
- Not financial advice: Content on CashbackFocus.com is for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Always consult a qualified professional before making financial decisions.
- Accuracy: We strive to keep all information current and accurate, but card terms, rates, bonuses, and availability change frequently. Always verify current terms directly with the issuer before applying.
- Approval: We cannot guarantee credit card approval. Approval decisions are made solely by the card issuer based on your creditworthiness and other factors.
- Credit impact: Applying for a credit card may result in a hard inquiry on your credit report, which can temporarily affect your credit score.
Contact Us
If you have questions about this disclosure, our affiliate relationships, or anything else about how CashbackFocus.com operates, please contact us:
Email: rhoreturnsmedia@outlook.com
We typically respond to inquiries within 2 business days.
Last updated: May 1, 2026. CashbackFocus.com reserves the right to update this disclosure at any time. Material changes will be reflected in the effective date above.