Our Mission
Choosing a credit card is one of the highest-leverage personal finance decisions most people make. The right card can put thousands of dollars back in your pocket every year. The wrong one quietly costs you the same. Yet most of the major comparison sites are structured so the highest-paying advertisers appear first — regardless of whether they're the right card for you.
We built EliteCardPerks to do it differently. Every card on this site is ranked by actual reward math against real spending patterns, not by how much an issuer paid for placement. Our tools — the rewards calculator, the quiz, the comparison engine — are built to find the genuinely best card for your specific situation.
What We Do
We review, rank, and explain credit cards. We build tools that let you calculate your real expected rewards before you apply. We publish analysis to help you understand the actual value hidden inside complex card structures — transfer partners, credits, lounge access, and more.
Everything we publish goes through the same process: we pull the current terms directly from each issuer, run the numbers against standardized spending profiles, and fact-check every claim before it goes live. When terms change, we update.
How We Make Money
We're transparent about this because we think you deserve to know. When you click "Apply Now" on our site and are approved for a credit card, we may receive a commission from the card issuer. This is how the site sustains itself — the same model used by most financial comparison sites.
The key difference is that this commission never influences our editorial rankings, star ratings, or recommendations. A card that pays us nothing can and does rank above one that pays us a commission, if its rewards structure genuinely serves our readers better. You can read our full Editorial Policy for more detail on how we maintain this separation.
Advertiser Disclosure: EliteCardPerks is reader-supported. We may earn affiliate commissions from card issuers when you're approved for a card through our links — at no cost to you. This compensation never influences our editorial ratings, rankings, or recommendations. Offers are subject to change and may not reflect current terms. Always verify offer details on the issuer's website before applying.
Contact Us
Found an error in our data? Have a question about a card we cover? Want to suggest a card we should add? We want to hear from you. Reach us at hello@elitecardperks.com. We read every message and respond to substantive inquiries within 2 business days.