Editorial Policy
Last updated: April 29, 2026
Editorial Independence
CardCompareHub's editorial content is produced independently of our business and revenue operations. The cards and issuers we feature, how we rank them, and what we write about them are not influenced by compensation or advertiser relationships.
We participate in affiliate programs โ when you click through to an issuer's website and are approved, we may earn a commission. That relationship does not affect our editorial coverage, rankings, or ratings.
How We Evaluate Cards
We assess credit cards across a consistent set of factors. No single factor determines a card's ranking โ we weigh them in the context of the card's stated purpose and target audience.
Annual Fee
We compare stated fees against the realistic annual value a cardholder would receive.
APR & Interest
We note both intro and ongoing APRs, and flag cards where variable rates span a wide range.
Rewards Rate
We evaluate earn rates against typical spending patterns, not optimized or edge-case scenarios.
Sign-up Bonus
We assess the bonus value alongside the minimum spend requirement and timeline to earn it.
Credit Required
We note the credit profile a card is designed for so readers can self-select appropriately.
Foreign Fees
We flag foreign transaction fees for travel-focused cards where this is a material consideration.
Intro Offers
We evaluate the length and terms of 0% intro APR periods for purchases and balance transfers.
Issuer Reputation
We consider publicly available data on customer service, dispute resolution, and reliability.
Accuracy & Updates
Credit card terms change frequently. APRs adjust with the prime rate, sign-up bonuses expire, and annual fees are revised. We maintain automated feeds from affiliate networks to detect changes and update card data regularly.
Despite these efforts, terms shown on CardCompareHub may not reflect the most current offer. We display a disclosure on every card encouraging readers to verify current terms directly with the issuer before applying.
If you notice an error in our card data, please contact us and we will investigate promptly.
What We Don't Do
- We do not accept payment to feature a card or improve its ranking.
- We do not guarantee approval for any card โ approval decisions are made solely by the issuer.
- We do not collect or process credit applications โ clicking through takes you to the issuer's own website.
- We do not have access to your application data or credit profile.
- We do not make specific financial recommendations tailored to individual circumstances.
Questions about our editorial process?
Contact Us