How NextAdvisor Rates Credit Cards

Our editors and writers determine a star-rating for every credit card across our site. Before we explain what factors we value for every category on our site, we want to explain what our star-ratings means. Generally speaking, here’s what each star-rating means:

How we evaluate cards in every category

We determine the value of each card by what it offers. Here are the factors we look into for every card we review (in order of importance for each category):

Balance transfer credit cards

*Note that balance transfer cards do not need added rewards or perks to earn 5 stars if they offer all of the other valued factors.

0% intro APR credit cards

*Note that 0% intro APR cards do not need added rewards or perks to earn 5 stars if they offer all of the other valued factors.

Cash back credit cards

*Note that cash back cards do not need added perks to earn 5 stars if they offer all of the other valued factors.

Travel credit cards

*Note that travel cards with do not need added perks or travel benefits to earn 5 stars if they offer all of the other valued factors.

Rewards credit cards

*Note that rewards cards do not need a 0% intro APR or added perks to earn 5 stars if they offer all of the other valued factors.

Business credit cards

*Note that business cards do not need a 0% intro APR or added perks to earn 5 stars if they offer all of the other valued factors.

Student credit cards

*Note that student cards do not need ongoing rewards or straightforward redemption options to earn 5 stars if they offer all of the other valued factors.

Credit cards for average credit

*Note that cards for average credit do not need ongoing rewards or straightforward redemption options to earn 5 stars if they offer all of the other valued factors.

Credit cards to rebuild credit

*Note that secured cards do not need ongoing rewards or straightforward redemption options to earn 5 stars if they offer all of the other valued factors.