Affiliate Disclosure

The short version: Some links on CentByStep are affiliate links. If you click one and make a purchase, we earn a small commission — at no extra cost to you. This helps keep the site free. It never influences what we recommend.

What Are Affiliate Links?

An affiliate link is a special URL that tracks whether you arrived at a product or service website through our link. If you make a purchase or sign up for a service after clicking an affiliate link, we receive a small commission from the company — at no additional cost to you.

How We Use Affiliate Links

CentByStep may earn commissions from affiliate relationships with financial companies including banks, credit card issuers, budgeting apps, and other financial service providers.

We only include affiliate links for products and services we genuinely believe are useful to our readers. We never recommend a product solely because of an affiliate relationship, and we never let affiliate compensation influence our editorial opinions or ratings.

FTC Compliance

This disclosure complies with the Federal Trade Commission's guidelines on endorsements and testimonials. The FTC requires that we disclose any material connection between us and the companies whose products we mention — including financial relationships.

Editorial Independence

Our editorial team makes independent decisions about what to cover, how to rate products, and what advice to give. Advertisers and affiliate partners have no input into our editorial content.

Questions?

If you have questions about our affiliate relationships or how we make money, please visit our contact page. We are committed to full transparency.