Methodology
How We Rate Products
Our star ratings are objective, comprehensive, and built to help you make the best financial decisions. We score products based on data, not relationships.
Objective Scoring
We use weighted formulas to calculate ratings. A product earns stars based on features, fees, and consumer value—not opinion.
Data-Driven
Our team collects hundreds of data points for every category, from APYs on savings accounts to expense ratios on mutual funds.
100% Independent
Partners cannot buy a higher star rating. Our editorial team has the final say on all scores and reviews.
Category Methodologies
Credit Cards
We evaluate cards based on:
- Rewards Value (Points/Cashback)
- Annual Fees & Hidden Costs
- Intro APR Offers
- Additional Perks (Travel, Insurance)
Savings Accounts
Our banking scores focus on:
- APY (Annual Percentage Yield)
- Minimum Balance Requirements
- Monthly Maintenance Fees
- Digital App Experience
Investment Apps
We rank brokers based on:
- Commission & Trading Fees
- Research & Educational Tools
- Account Types Available
- Customer Support Quality