We only recommend credit cards with bonuses that get you to your dream destination.
We value your time at $100 an hour, so we make sure that every action, alert, and email you get is valuable.
We find the best flight and hotel deals in points. If the deal is relevant to your travel goal, we push it right to your pocket.
Sincerity optimizes the entire financial journey for those who want to travel the world.
Select from a menu of destinations around the world that you can travel to for nearly free. Not sure where you want to go yet? We can optimize for flexibility.
Credit card companies offer bonuses if you spend a certain amount. We only recommend cards that have a spend requirement that is within your average spend.
For every recommendation Sincerity makes, the app outlines why this recommendation makes sense for you.
Do you live in Boston, New York City, or San Francisco?
Do you already have a 740 credit score or better?
Do you never carry a balance on your credit cards?
Today, Sincerity is only for U.S. consumers who: always pay their credit cards in full, have a credit score of at least 740, and live in Boston, New York City, or San Francisco. As Sincerity grows, we plan to expand to more cities and segments of customers.
Sincerity helps you earn and pay for travel in points and miles rather than dollars. That said, airlines, hotels, and credit card issuers may include taxes and fees. We make these taxes and fees clear upfront and account for them when making recommendations.
To keep the Sincerity mobile app free for users, we make money when customers apply for a credit card using a link in the app.
Your credit score could take a slight temporary hit because multiple credit checks within a short period of time could indicate that you are slightly riskier. Another factor that makes up your credit score is your age of credit. If you open a new credit card, that will bring down the overall age of your credit. In some cases, your credit score may increase because getting a new credit card decreases your overall credit utilization ratio. For example, if you only have one credit card today with a credit limit of $5,000 and spend about $2,000 per month, you are using 40% of your credit, which looks a bit risky to banks. However, if you apply for a new credit card with a limit of $5,000 and continue to spend normally, you will be using $2,000 of your now $10,000 credit limit, only 20%.
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