Best credit cards methodology

How Finder chooses our Top Picks

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At Finder, we've been comparing credit cards since 2006 and we've scoured the Internet to save you the time and effort.

Based on extensive user testing and thousands of credit card comparisons, we've evaluated cards based on criteria that people care about and narrowed it down into a few broad categories.

Keep in mind, however, that our "top" picks may not always be best for you. Based on your situation, you may find certain features to be more or less important, so compare your options before you apply.

While we looked at a range of cards available to us for our "top" picks, we did not compare all the products available in the market. Within each category, we narrowed down our choices based on the cards available through Finder as well as the following:

Balance Transfer - Methodology

When choosing the top balance transfer card, we considered a number of factors, including introductory period length, introductory interest rate on the transferred balance, any balance transfer fees, the revert interest rate and the annual fee. While we factored in welcome offers and additional rewards or perks, the balance transfer term was the primary deciding factor.

Rewards - Methodology

When choosing the top rewards card, we considered a number of factors, including introductory offer value (bonus points, cashback or gift vouchers) and the spend requirement to get it, points earned per dollar spent, available rewards redemptions and the annual fee. While additional perks like insurance covers were also included, the combination of the introductory offer value and earn rate was the primary deciding factor.

Frequent Flyer - Methodology

When choosing the top frequent flyer card, we considered a number of factors, including bonus points and the spend requirement to get them, points earned per dollar spent, available rewards redemptions and the annual fee. While additional perks like airport lounge passes and insurance covers were also included, the combination of bonus points and earn rate was the primary deciding factor.

Low Cost - Methodology

When choosing the top low cost card, we considered a number of factors, including annual fee, purchase interest rate, interest-free period and any introductory offers. While additional perks like balance transfers, purchase insurance and rewards were also included, the annual fee and purchase interest rate were the primary deciding factors.

0% Purchase - Methodology

When choosing the top 0% p.a. purchase interest rate card, we considered a number of factors, primarily the introductory period length, the revert interest rate and the annual fee. While we factored in welcome offers and additional rewards or perks, the interest-free period was the primary deciding factor.

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