How we make money

Free to use. All current app functionality is included.

Travel Upgrade is currently free. There is no subscription, trial, checkout, billing, renewal, payment processor or payment-data collection. You cannot be charged automatically or retrospectively for using the free launch service.

We optimise what you already hold. You tell us the cards, accounts and balances in your household. We work out how the spending you have already forecast could be allocated across them so that more of it lands on thresholds and benefits you actually want. The calculation is deterministic and every assumption is visible and adjustable.

We keep the rules visible. Card and loyalty rules change constantly. We monitor official sources, a person reviews changes before they reach your plan, and every rule shows you where it came from and when we last checked it.

We show our working. Every recommendation explains itself. If you think our valuation of a point is wrong, change it and watch the plan change. You should be able to disagree with this tool.

• We do not accept issuer commission. There is no commercial relationship between us and any issuer or programme.
• We do not provide application links or introductions. The product is designed and tested not to present, offer or link to any credit agreement, and not to produce a personalised list of products for you to apply for. Our Benefit Directory is a factual reference library you choose to browse, identical for every user and listed alphabetically.
• We do not sell personal data. We do not sell your plan, profile, household details or usage to card issuers, loyalty programmes, advertisers or data brokers.
• We do not ask for passwords. We do not connect to your bank, your cards or your loyalty accounts, and there is nowhere in our system for a credential to be stored. You type in your balances.
• We do not advise on borrowing. No “pay this card off first”, no balance transfers, no promotional rates. Travel Upgrade assumes you clear your statement in full every month. If you do not, the interest will dwarf anything you earn in points, and this is not the right product for you.
• We do not dress a projection up as a promise. When we show a number in pounds we are converting points using an assumption, and we show that assumption next to the number. Credible UK sources put the realistic value of an Avios somewhere between roughly 0.5p and 2p, which means the same 100,000 points is worth anywhere from about £500 to £2,000 depending on how you redeem. So we say “£1,240 of projected travel value, at your valuation of 1.1p per Avios”. We do not say “save £1,240”. Figures on this page were last verified 14 August 2026.

We may choose to introduce optional paid features later. If we do, they will be offered prospectively only, with clear notice, separate terms and a deliberate opt-in from you. Free launch use will not be converted into a charge automatically, silently or retrospectively.

We are not financial advisers, and Travel Upgrade is not financial advice. We do not assess whether any product suits you. Decisions about which cards to hold, keep or close are yours.

Zenpath is not authorised or regulated by the Financial Conduct Authority, and we are not a credit broker. We do not introduce anyone to lenders, present applications or accept issuer commission. Because Travel Upgrade is not a regulated service, complaints cannot go to the Financial Ombudsman Service — they come to us, and our complaints policy sets out how we handle them.

We cannot find you a seat. Reward availability is entirely in the airline's or hotel's hands. We can get you to the voucher; we cannot make an airline release a seat in half term.

Put in your household's cards, accounts and expected spending and use the current planning tool during free launch access. If the optimised allocation makes little difference, we will say so.