Review Methodology

What we evaluate

We compare cards on the factors that actually affect a cardholder: annual fee, purchase and balance-transfer APR, introductory offers and their length, transfer and foreign-transaction fees, rewards rate, welcome offer, and the recommended credit profile.

We also consider who a card is a good fit for — and, just as important, who it is not a good fit for.

How we score

Cards are assessed against the same published criteria within a category, weighted toward long-term value rather than short-term promotions. A card is not called “best” because it pays a higher commission.

Where we present a ranking, we state the date of the analysis and the sources used.

Sources and verification

Card facts come from the issuer’s official product pages and terms, cross-checked against reputable finance publishers. When a specific figure cannot be confirmed, we do not publish a guessed number — we direct readers to the issuer for current terms.

How advertising is separated

This site earns revenue from advertising and, where applicable, affiliate links. That revenue does not determine editorial position or scoring. See our Advertiser and Affiliate disclosures.