Editorial Policy

1. Card Directory Standards

Every credit card in the Credit Cards Hub catalog is evaluated objectively. Our goal is to represent all information — especially fees, caps, and point conversion ratios — as clearly as possible. We do not edit or conceal downsides (such as lounge spend criteria or high renewal milestones).

2. Scoring Factors

Our card matching algorithm evaluates cards against user inputs using these factors:

• Net Reward Rate: The percentage value-back on online shopping, travel, and fuel spends, minus point redemption costs.
• Fee-to-Reward Ratio: How quickly a cardholder can offset the joining or renewal fee through standard monthly spending.
• Waiver Feasibility: The likelihood of meeting annual spend milestones to waive the renewal charges.
• Access Perks: Value of lounge visits, concierge services, and surcharge waivers.

3. Update Frequency

Credit card terms change rapidly. We audit our database weekly to reflect adjustments to lounge access spend thresholds, partner merchants, and interest rates. If you find a discrepancy, please alert us at support@creditcardshub.netlify.app.