Our mission is to empower people to use credit cards to their advantage, with confidence. This starts with an understanding of how credit cards work, and how to build credit.
We only encourage responsible credit card use. This means paying on time and in full every month to avoid fees and credit card debt. We don’t encourage attempts to manipulate credit scoring systems in tricky ways. We don’t advocate constantly applying for and cancelling cards to game sign up bonuses.
Our focus is on the long term: building habits and knowledge that lead to great credit and the right cards for you.
Great card reviews come first.
We make money through relationships with partners. They pay us for credit card approvals on some cards. Unlike many credit card sites, we don’t base our best card picks on these relationships. Partner relationships do not impact our Editor’s Ratings on cards, either.
We’re committed to honesty in our card reviews and best card picks. You can count on us to tell the truth about a card, whether the issuer pays us for approvals or not. We’ll tell you which cards are best in our opinion, even if those cards don’t earn a commission.