Our Compensation and What That Means to You

Written by
Cardratings Staff
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.

At CardRatings.com we discuss the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards, plus hundreds of additional resource articles to help educate everyday cardholders so they can feel more confident about their card choices. All our content is written and reviewed by industry experts. Though our content may occasionally contain references to products from our partners, we maintain strict editorial integrity and advertiser relationships and compensation never influences ratings, reviews or featured products. The difference between editorial content and advertising must always be clearly stated. Learn more.

It’s important to us that you have a transparent and detailed look into how we make money at CardRatings. We are a credit card ratings and review website and we believe our foremost responsibility is to you, the reader.

Our goal is to research the fine print, fact-check marketing claims and compare credit card offers in detail to save you time and money. We believe in the responsible use of credit.

What we do – and don’t do

  • We earn money when you click on some advertisements or are approved for some credit cards through our site. We don’t earn money every time you click.
  • We do strive to review as many cards as possible and are continually adding more reviews. If you feel you know of a great product and don’t see it on our site, please tell us. Our reviews are regardless of advertising status.
  • We do communicate with card issuers regularly, whether they are current advertisers or not.
  • We don’t factor advertising concerns into what cards we recommend.
  • We don’t allow card issuers to review or have input on editorial content except as it pertains to specific regulations and disclosure requirements.

Please see below for a list of the major credit card issuers we partner with:

  • American Express
  • Bank of America
  • Barclays
  • Capital One
  • Chase
  • Citi
  • Credit One
  • Discover
  • Pentagon Federal Credit Union
  • Simmons Bank
  • USAA
  • US Bank
  • Wells Fargo

Featured Partner Cards:


The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.