How We Rank Credit Cards

We do not rank cards based on bank sponsorship. Our recommendation score is calculated by an objective algorithm using the following weights.

Matching your #1 spend (online shopping, travel, fuel, dining) to cards with accelerated reward categories.

Calculating percentage value-back on offline and online transactions, accounting for point redemption fees.

Rewarding cards that have low joining fees or milestones that make annual charges easy to waive.

Scoring airport lounge privileges, railway visits, spa access, and fuel surcharge waivers.

Fining tuning recommendations depending on student, salaried professional, or self-employed profiles.