Independent since 2024

About
YourBestCards

Independent credit card comparison. 209 cards scored by algorithm. Zero affiliate revenue from applications.

Cards scored
209
All issuers, all categories
Affiliate revenue
$0
No issuer pays to rank higher
Spend categories
12
Grocery, travel, gas & more

What We Do

YourBestCards scores 209 credit cards across 12 spend categories using verified earn rates from issuer source pages. Every ranking is generated by algorithm — no card issuer can pay to improve its position.

The premise: the financial publishing industry has an affiliate revenue problem. When sites earn $50–$200 per approved card application, ranking order is influenced by who pays more. YourBestCards earns $0 from applications. The compliance story is structural, not a disclaimer.

209
Credit cards tracked
36 issuers, 8 networks. 119 no-annual-fee cards, 43 premium cards. Cashback, travel, airline, hotel, business, and specialty categories.
$0
Affiliate revenue from applications
No CPA payments from issuers. No affiliate links to card applications. Revenue from tools, data licensing, and editorial sponsorships.
209
Source URLs — one per card
Every earn rate links to the issuer’s official product page. Verification timestamps stored per record. Auditable by anyone.
12
Score dimensions per card
Groceries, dining, gas, travel, hotels, airlines, transit, streaming, drugstores, home improvement, business, and everyday. Plus a blended final score.

Frequently Asked Questions

Is YourBestCards affiliated with credit card issuers?

No. YourBestCards has no affiliate relationships and earns zero revenue from card applications. Rankings are determined by algorithm only.

How does YourBestCards make money?

Revenue comes from financial planning tools sold on Gumroad, white-label data licensing to publishers, and editorial newsletter sponsorships from non-issuer sponsors (financial tools, apps). No revenue from credit card applications.

Can publishers license YourBestCards data?

Yes. The API provides scored credit card data, CD rate data, and transfer partner information. Each record includes a source URL and verification timestamp for compliance purposes. Contact us via the contact page for licensing tier pricing.

How often is data updated?

Earn rates and offers are verified at issuer source pages on a rolling basis. The database records a verification timestamp per card. Major changes (bonus offer changes, fee changes) trigger immediate updates. Quarterly full reviews cover all 209 cards.

What financial products does YourBestCards cover?

Credit cards (209 cards from 36 issuers across 8 networks), certificates of deposit and high-yield savings accounts via YourBestSavings.com, HSA provider rankings, transfer partner data (105 airline and hotel loyalty partnerships), and credit card point valuations. The rewards calculator compares every card against your specific monthly spending by category.