Affiliate Disclosure

Who we work with

We earn affiliate revenue from the following partner categories:

• Credit card issuers. Through affiliate networks such as CardRatings, as well as direct issuer relationships.
• Shopping portals. Programme-run portals such as AAdvantage eShopping, Mileage Plan Shopping, and similar mileage-accruing portals.
• Programme join referrals. Direct referral links to loyalty programmes (e.g. Flying Blue, Accor Live Limitless) when the programme offers a referral benefit.

How we mark affiliate links

Every article on Miles Mosaic that contains at least one affiliate link displays a per-article inline disclosure block before the first affiliate link, on every device. The block is part of the article template and cannot be removed by the author. The text is consistent across the site:

Disclosure. This article contains affiliate links. If you apply for a credit card or service through one of these links, Miles Mosaic earns a commission. Our editorial coverage is not influenced by these relationships. See our editorial policy and affiliate disclosure for details.

• Every affiliate link on an article page carries rel="sponsored nofollow noopener".
• The inline disclosure block appears immediately below the article title and before the article body begins, on both desktop and mobile, and is visible without scrolling past the first affiliate link.
• Credit-card CTA blocks (labelled "Partner offer" or similar) are always affiliate links.

Our per-content disclosure commitment

We commit to per-content inline disclosure, placed before the first affiliate link in every article that contains one. The commitment is deliberately specific so readers, ad networks, and regulators can hold us to it. It is designed to satisfy, by name, the following frameworks:

• United States: FTC Endorsement Guides (16 CFR Part 255), as revised on 26 July 2023. Every disclosure is “clear and conspicuous,” appears in the same medium as the endorsement, is unavoidable, and is “visible without scrolling past the affiliate link.” The disclosure is in the same language as the article and is never contradicted or mitigated by anything else on the page. We also comply with the FTC’s Trade Regulation Rule on Consumer Reviews and Testimonials (effective 21 October 2024).
• European Union: Unfair Commercial Practices Directive 2005/29/EC (UCPD), Article 7(1). We do not omit material information about the commercial nature of an endorsement.
• United Kingdom: CAP Code Section 2 (Recognition of Marketing Communications) and the ASA’s guidance on online affiliate marketing. The disclosure is obvious to anyone visiting the website.
• Singapore: SCAP (Singapore Code of Advertising Practice), administered by the Advertising Standards Authority of Singapore (ASAS), and the ASAS Guidelines for Interactive Marketing Communication & Social Media. The disclosure is platform-appropriate, prominent, and not buried in footers, hashtags, or About pages.
• Singapore: Consumer Protection (Fair Trading) Act 2003 (CPFTA). Our disclosures are designed not to be a “misleading representation” under the Second Schedule of the Act.

Above the fold, in the same medium

We commit to placing the affiliate disclosure above the fold and in the same medium as the endorsement:

• Above the fold: the disclosure sits immediately below the article title and before the article body begins, so that a reader who reaches the first affiliate link sees the disclosure first without scrolling past it. We verify this rendering on both desktop and mobile viewport sizes.
• Same medium as the endorsement: for written articles the disclosure is visible written text on the same page; if and when we publish video or audio content that contains a material connection (an affiliate link, a sponsorship, or a paid placement), we will disclose the connection in the same medium as the content (on screen during a video, in voiceover during a podcast) in line with the FTC’s “same medium” rule.

Credit-card content

When we link to or quote terms of a specific credit card, we attribute the terms to the issuer and date them. Card terms change frequently; please verify all specific terms with the card issuer before applying. Miles Mosaic is not a creditor, financial adviser, or representative of any card issuer; we are an editorial publication. Our credit-card coverage does not constitute financial advice and is not subject to Regulation Z or the CARD Act, which apply to creditors rather than to editorial publishers.

What we will NOT do

• Accept payment in exchange for positive coverage or review placement.
• Take down factual criticism of a programme at a partner's request.
• Rank cards or programmes by commission rate.
• Recommend a product we have not personally used or researched against primary sources.

Compliance

Miles Mosaic’s disclosure practice is designed to meet, by name, (a) the US Federal Trade Commission’s Endorsement Guides (16 CFR Part 255), revised 26 July 2023, (b) the EU Unfair Commercial Practices Directive 2005/29/EC and equivalent national implementations, (c) the UK CAP Code and the Advertising Standards Authority’s online-affiliate-marketing guidance, and (d) the Singapore Code of Advertising Practice (SCAP) administered by the Advertising Standards Authority of Singapore (ASAS), together with the ASAS Guidelines for Interactive Marketing Communication & Social Media and the Consumer Protection (Fair Trading) Act 2003 (CPFTA).

Miles Mosaic is not regulated by the Monetary Authority of Singapore (MAS) and articles are not investment advice. We do not advise on financial products; we publish independent editorial coverage.

If you believe any material endorsement or connection has not been disclosed appropriately, contact us at [email protected].

Our editorial process

Commercial relationships are governed by a clear editorial policy. Read our full editorial policy for how we research, fact-check, and update our content (see particularly the “Affiliate and advertising disclosure” section on commercial relationships), and our corrections log for past errors and fixes.