Editorial Policy

This page explains how we research, write, and fact-check the content on creditcard-reviews.com. It also explains where AI fits into our workflow — because we use it, and we think you deserve to know how.

Editorial independence

Digify, LLC owns this publication. The editorial team makes the call on what we cover and how we rank it. No issuer, affiliate network, or advertiser sees an article before it is published, and none of them get to change a recommendation. If an issuer asks us to alter or remove a review, we say no.

How we source information

For every credit card we cover, we work from primary sources:

The card's official application page and the "Rates & Fees" disclosure document, not the marketing landing page
The issuer's published terms and conditions for the rewards program
Public regulatory filings and press releases for material changes (e.g., when an issuer reprices a card or sunsets a benefit)
The CFPB Consumer Complaint Database for customer-experience signals on the issuer

Where we cite a number — a sign-up bonus, APR range, annual fee — we cite it as of the publication date and we note the publication date prominently on the article. We re-check our highest-traffic articles on a rolling schedule because card terms change without notice.

How we form recommendations

We do not chase the highest-paying affiliate offer. We do this:

Define a clear "best for" use case. (Best flat-rate cashback. Best card for groceries. Best balance-transfer card for someone with $5K on a 24% APR card.)
List the cards that compete in that use case, regardless of whether we have an affiliate relationship with them.
Compute the relevant math — earn rate against a realistic spending profile, break-even on the annual fee, net savings on the balance transfer after the transfer fee.
Score on the math first, then layer in qualitative factors (program quality, redemption flexibility, issuer reputation, foreign-transaction fees, customer service signals).
Pick the recommendation that wins on the math. Note the close runner-ups and why someone might choose them instead.

If two cards are within a hair of each other, we tell you so, and we explain how to pick between them.

Use of AI

We use AI tools (currently models in the Anthropic Claude family and similar large language models) as part of our drafting process. Specifically, AI is used to:

Draft first passes from our research notes, structured outlines, and verified primary-source data
Summarise long disclosure documents and term-and-condition PDFs
Suggest comparison angles we should consider
Improve readability and clarity in editing

AI does not:

Invent reward rates, fees, APRs, or sign-up bonuses — those come from primary sources and are checked by a human
Make the final ranking call on a "best" list — a human editor signs off
Publish without human review — every article is reviewed and signed off by a member of the Credit Card Reviews Editorial team before it goes live

Articles where AI was part of the workflow carry the line "This article was AI-assisted and reviewed by our editorial team" in the article body. This is a deliberate disclosure choice, and it follows the spirit of the AdSense and Yahoo content-quality guidelines.

Corrections policy

When we get something factually wrong, we correct it. The article gets an editor's note at the top describing what was changed and when. We do not silently rewrite history. For material corrections (a wrong fee, a wrong reward rate, a wrong bonus offer), we re-check the rest of the article at the same time.

If you spot an error, please email [email protected].

Conflicts of interest

Members of the editorial team carry the cards they review, and the team uses the credit-card industry the way our readers do. That is a feature, not a conflict — it is how we know which benefits actually trigger in real life. Where a writer has a personal financial relationship with a card or issuer that goes beyond carrying the card (for example, an equity position, employment history, or close family relationship), that disclosure is added to the article byline.