How we rate and compare

We want you to know exactly where the numbers come from and how cards are ranked.

Data sources

We take fees, rates and terms from the banks' official product pages and published schedules of charges. Every figure on the site is linked to its source and its last-verified date.

Keeping data current

We check bank pages automatically on a schedule. A change to a fee, rate, salary requirement or eligibility rule only appears on the site after a person on our team has reviewed and approved it.

Our editorial rating

We rate each card out of five on five criteria, each with a weight:

• Cost (annual fee, interest or profit rate, other charges): 35%
• Rewards value (cashback, points, miles): 30%
• Accessibility (salary requirement and eligibility): 15%
• Perks (lounges, insurance, offers): 10%
• Transparency (clear terms and fees): 10%

Independence

Commissions never change ratings or rankings. Sponsored products are always labelled "Sponsored". Claims like "best" or "lowest" are computed from our database, among the cards we compare.

Corrections

Spotted something inaccurate? Tell us through the Contact page or the "report" link on any card page. We review reports within two business days.