How We Review Credit Cards

Our Commitment

We evaluate cards based on publicly available data from credit card issuers and regulators. We do not accept payment for reviews or rankings.

Every fact is sourced directly from issuer websites and verified monthly.

Rating Criteria

1. Rewards Value (30%)

• Points/miles earning rates
• Redemption flexibility
• Transfer partners

2. Fees & APR (25%)

• Annual fee value analysis
• Foreign transaction fees
• APR ranges

3. Benefits (20%)

• Travel insurance
• Purchase protections
• Perks and credits

4. Accessibility (15%)

• Credit score requirements
• Approval standards

5. User Fit (10%)

• How well card matches user profiles
• Long-term value

Data Sources

We cite all facts directly from issuer websites:

• Chase, Citi, American Express, Capital One, Discover
• CFPB consumer resources
• FTC guidance