CardSight evaluates credit cards using a structured, repeatable approach designed to make comparisons clearer. We look at how a card performs across key dimensions that affect real value — not just marketing claims.
- Consistency: the same lens across every card.
- Real-world value: rewards and perks only matter if you’ll use them.
- Clarity: explain the “why,” not just the score.
How we think about value
Value is contextual. The “best” card depends on your spend habits, your goals (cash back vs. travel), and what perks you’ll actually use. Our scoring is meant to help you compare cards consistently, then choose based on fit.
Core factors we evaluate
- Acquisition: Welcome offers and eligibility considerations.
- Fees & costs: Annual fees and other costs that reduce net value.
- Rewards: Earning structure, category strength, and ongoing earning potential.
- Benefits: Protections, credits, perks, and value-added features.
Updates and freshness
We update our data as offers and terms change. Because issuers can change details without notice, always confirm terms directly with the issuer before applying.
- We don’t sell “best card” rankings to issuers.
- We don’t promote cards solely because they pay higher commissions.
- We don’t hide the tradeoffs — fees, caps, and restrictions matter.
Important note
CardSight provides information for educational purposes and does not provide individualized financial advice. Your personal situation may require professional guidance.