Methodology: how we organize and review information
This page explains how information on the site is organized and what you can expect from it. It describes what we actually do today.
Sources
Guides rely on primary sources such as the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). Each guide lists its sources, and we record the date we last checked them. We state only what those sources support. Where a source does not cover a point, we do not make the claim, or we mark the content as a draft.
Card categories, not offers
The comparison covers educational categories, not specific bank offers. We do not publish rates, fees, score requirements or card names that we have not verified. Categories can overlap, so a single card can fit more than one.
A catalog of specific products is a later step. Before any product appears we plan to verify its terms against the issuer’s official pages and show the source and review date. Missing information will be marked “Not verified” rather than guessed, and incomplete offers will not be published.
Calculators
Calculators use fixed formulas and show their assumptions: constant interest rate, no new purchases or fees, and a monthly approximation that can differ from an issuer’s daily calculation. Results are educational estimates, not offers, quotes or predictions.
Examples
Examples are labeled as hypothetical. Amounts in them are made up and are not rates or fees from any issuer.
Editorial independence and compensation
If we ever earn compensation from links, we will disclose it near those links and describe how it influences placement. Sponsored placement will be identified and never described as impartial.
Updates and corrections
Guides show a last-checked date. Financial information changes, so we plan to re-check sources regularly and remove outdated content. Editorial responsibility and a way to send corrections will be listed once confirmed.
Our approach to helpful content
We aim to write people-first content that answers specific questions and cites reliable sources, in line with Google’s guidance on helpful content. That guidance is general, and following it does not guarantee any search ranking.