The Credit Card Helper proprietary Card Score calculated using all the data from these categories: We have consulted many data sets and information from Consumer Reports, JD Power, and the Consumer Financial Protection Bureau (CFPB), plus a panel of experts, including bankers, lawyers, independent reviews from PointChaser and Reddit , and consumer rights advocates. Each card is ranked from a score of roughly 50 to 100.

Components
Terms and Conditions
How customers and Starbutter rate the reasonableness of annual fees, competitiveness of interest rates, clarity in disclosure, fairness of rates / fees / charges. Based on index scores calculated by weighted responses to a survey’s factors, and on calculated distributions from term sheets.
Customer Service
How customers rate new product information and the responsiveness of the card company to their questions and requests; also the acceptance of cards by different merchants around the US and world, and the resulting fraud protection. Based on index scores calculated by weighted responses to a survey’s factors and a survey of processors.
Billing and Payment
How easy customers say it is to understand their account statements and the many ways available for seeing their statement and paying their bills; also the reasonableness of the amount of time when a bill is received and payment is due. Based on index scores calculated by weighted responses to a survey’s factors.
Problem Resolution
How customers rate the problem resolution process with their credit card company. Based on index scores calculated by weighted responses to a survey’s factors.
Rewards Quality
How customers rate the ease of actually getting the rewards they were promised, redeeming rewards, and understanding the rewards program. Based on index scores calculated by weighted responses to a survey’s factors.
CFPB Complaints
Score from an analysis of 300 thousand complaints on credit cards over the last 6 years on the CFPB database to see what cardholders said about each card and company.
Expert Ranking
Average score from a panel of credit card experts with financial, legal, and business backgrounds, based on the fitness of each card for an average user for each category.





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Disclaimer: Credit Card Helper and Starbutter AI strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact FICO, Experian, or TransUnion® directly.

Advertiser Disclosure: So how do we make money? Right now, we receive compensation from some companies when someone applies or gets approved for a financial product through our site. But, the results of our tools, Card Score, our take, and pros and cons are based on quantitative and qualitative assessments of product features — nothing else. Compensation does not influence what we recommend or two best in every category. While we try to feature as many product offers on our bot and site, we know that our site does not feature every company or credit card available on the market.