Credit Card Review Methodology
Our Review Process
At CreditCompare.ai, we believe in a comprehensive, data-driven approach to credit card reviews. Our methodology combines quantitative analysis with qualitative assessment to provide accurate, unbiased evaluations of credit cards.
Key Evaluation Criteria
Rewards Program (35%)
- Earn rates and categories
- Point/mile valuations
- Redemption options and flexibility
- Transfer partners and ratios
Fees and APR (25%)
- Annual fee value proposition
- Foreign transaction fees
- Balance transfer fees
- APR ranges and competitiveness
Welcome Bonus (15%)
- Bonus value
- Spending requirements
- Time frame to earn
- Historical bonus trends
Benefits and Features (15%)
- Travel perks and protections
- Purchase protection
- Insurance coverage
- Unique card features
User Experience (10%)
- Customer service quality
- Mobile app functionality
- Online account management
- User reviews and feedback
Data Sources
Our reviews incorporate data from multiple sources:
- Official card issuer documentation
- User reviews and experiences
- Industry reports and analyses
- Competitor comparisons
- Historical card performance data
Rating System
We use a 5-star rating system with quarter-point increments. Our ratings are determined by:
- Weighted scores across all evaluation criteria
- Comparative analysis within card categories
- Value proposition for target users
- Overall market competitiveness
Review Updates
We maintain the accuracy of our reviews through:
- Monthly review of card terms and benefits
- Quarterly reassessment of ratings
- Immediate updates for significant changes
- Annual comprehensive review of methodology