How Is Financed

Our mission at is to help you get more for your money. We work hard to research the difficult-to-find details, deals and benefits to bring you bigger savings. By reading through all the small print, we can provide unbiased information and ratings for credit cards, loans and insurance products.

Rather than digging through hundreds of pages of terms and conditions on many different bank or merchant websites, you can find all the important information (positive and negative) right up front. Is Transparent

The purpose of is to give provide accurate information and reviews of personal finance products. To make sure that provides transparent and unbiased information, we operate independently of banks and other merchants. We decide what content we will publish and how we rate products.

We try our best to be as comprehensive as possible, whether the products are from partners or not. We disclose who our partners are, unlike many other comparison websites. is a completely neutral personal finance platform, and we plan on keeping it that way.

Companies Do Not Pay Us To Include Their Products

Banks and merchants do not pay to have their offers included on our site. We at include offers at our own discretion, and try to include as many available products as we can, for the benefit of our users. We prefer to stick to the facts and let you compare all offers, rather than try to sell you something you don't need.

We Do Not Include Banner Ads

Don't you find the flashing ads on all sides of reviews distracting? So do we. That's why we do not place banner ads or other third party advertisements on We prefer to provide you with real useful content, rather than bombarding you with ads.

We Do Not Collect Subscription Fees is not a membership-based website. We provide all content freely to all visitors, so you do not have to pay a fee in order to use Many other content-based websites charge subscription fees.

No Need To Sign Up

Unlike other websites, we do not make users subscribe and we do not harvest your personal information to sell to the highest bidder. If you subscribe to our newsletter, your contact information is used only to send you the newsletter, and is kept secure. We will never sell, give or lease your contact information to a third party. This sets apart from websites that offer free services in exchange for you signing up and providing personal information that is then sold to marketers.

So, How Do We Finance

That's a fair question. After all, nothing is free in this world. employs researchers, writers, programmers, designers and compliance staff. That costs real money.

It works like this: When you apply for a product through, we direct you straight to the secure website of the bank or other merchant. If you then successfully apply for a credit card, loan, insurance policy or other offer, the merchant gives us a commission.

How Can You Support

Because is a neutral platform that is not influenced by third parties, we really appreciate when you apply for the credit cards or other offers you need through our site. At the end of the day, you are the one who makes it possible for us to provide clear information on all available offers right up front where you can see it.

After all, if you are going to get that card or insurance policy anyway, why not apply through us. It costs you nothing, and helps us to continue to provide the kind of unbiased information and product comparisons that you would not get from merchants.

Do Commissions Influence Reviews?

We at will never provide biased information or ratings based on the compensation that we receive from merchants. Our goal is to help you find the best product for your needs, and the compensation we receive makes it possible for us to do that.

The results you get when you use our comparison tools and filters are based 100% on standard information only. So what you see is what you get.

Are Featured Offers Advertisements?

Occasionally, we may accept special compensation from banks or merchants to feature a specific offer on Featured offers are always clearly indicated, and we will not feature offers that we do not feel provide exceptional value.

For example, a credit card may be featured because it has a limited-time bonus offer that makes it stand out from other offers. Featuring an offer has no effect on the information provided in editorial content, and is intended primarily for informational purposes.

You Can Help Make Even More Transparent

At, we welcome constructive feedback and you are welcome to comment and share your experiences and opinions. If you have information that could help us provide a more transparent and well-rounded description of any offer, please share it by commenting on the relevant page.

How We Rate Credit Cards

At we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.

Cards are rated by our team based primarily on the basis of value for money to the cardholder. The team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.

Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Disclaimer: As there are different types of credit scores and issuers could use any of them, cannot ensure you will be approved for the offers based on your credit score.