Our Editorial Mission

At CardNitty, our mission is to help consumers make informed decisions about credit cards. We are committed to providing accurate, comprehensive, and unbiased information that empowers our readers to choose the right financial products for their needs.

Editorial Independence

Our editorial content is created independently of our business relationships. While CardNitty may receive compensation from credit card issuers for product placements and referrals, this compensation never influences our ratings, reviews, or recommendations. Our editorial team operates separately from our business team.

How We Rate Credit Cards

Our credit card ratings are based on a comprehensive evaluation of multiple factors:

• Fees and Charges: Annual fees, joining fees, late payment charges, and other costs
• Rewards and Benefits: Reward rates, redemption value, cashback offers, and bonus categories
• Interest Rates: APR for purchases, balance transfers, and cash advances
• Features: Lounge access, insurance coverage, concierge services, and other perks
• Eligibility: Income requirements, credit score requirements, and accessibility
• Customer Experience: Mobile app quality, customer service, and ease of use

Our Rating Algorithm

We use a proprietary algorithm that weighs various factors to generate an overall score for each credit card. Our algorithm is designed to reflect real-world value to consumers, considering both quantitative metrics (like reward rates and fees) and qualitative factors (like customer service quality). Cards are ranked relative to each other within their categories.

Fact-Checking and Accuracy

All content on CardNitty undergoes rigorous fact-checking:

• Information is sourced directly from official credit card issuer websites and documentation
• Data is regularly updated to reflect changes in card terms and features
• Our team verifies key details before publication
• We promptly correct any errors that are brought to our attention

Disclosure of Relationships

We believe in full transparency about our business relationships. When we may receive compensation from a credit card issuer, this is disclosed on our website. However, compensation never affects our editorial ratings or the order of cards in our comparison tables (unless explicitly stated as "sponsored" or "featured" placements).

User Reviews and Community Content

We value user perspectives and may feature user reviews on our platform. All user-submitted content is moderated to ensure it meets our community standards, including being respectful, relevant, and free from spam or misleading information.

Updates and Corrections

Credit card terms and features change frequently. We strive to update our content regularly to reflect these changes. If you notice any outdated or incorrect information on our website, please contact us so we can investigate and make necessary corrections.

Contact Our Editorial Team

We welcome feedback, corrections, and suggestions from our readers. If you have questions about our editorial process or would like to report an error, please reach out:

Contact Us Page