Rankings by math, not commissions. Advertiser Disclosure
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Advertiser disclosure

Current state: there are no advertisers. UseThis contains no affiliate links, no sponsored placements and no advertising. We receive no compensation from any credit card issuer, bank, card network or affiliate network, and we have no application links on this site. Nothing you can click here pays us.

Last updated July 31, 2026.

Why this page exists anyway

Sites that recommend financial products are expected to disclose material connections to the companies they cover — the FTC's endorsement guidance requires it, clearly and close to the recommendation. We publish the disclosure now, while the honest content of it is "none," so the standard is set before any money exists.

If we ever are compensated

Should UseThis add affiliate links, this page will be updated the same day to state plainly:

Compensated links would carry rel="sponsored" and a visible label on the row itself, and this notice would appear above any list containing them. Our ranking method would not change; see the editorial policy and how we're paid.

Coverage and accuracy

We are not an exhaustive list of available cards, and a card's absence is not a judgement. Card terms — rates, fees, credits, bonus categories — are set by the issuer and can change at any time, including after the date shown next to a card. Offers referenced here are not provided or reviewed by any issuer. Always confirm the current terms on the issuer's page before you apply.

Spotted a rate or fee that no longer matches the issuer's page? . Corrections are dated in the changelog.