How CNET Tests Credit Cards: We Scour the Fine Print So You Don't Have To

So how do you know which credit card is best for you?

That’s where we come in.

Here’s a look at what makes up CNET’s credit card rating methodology.

Rewards/travel credit cards

Credit cards that primarily focus on earning rewards fall into this category.

It can help cover a card’s annual fee for a time or even help reduce a statement balance.

The card’s specific rewards program is heavily weighted in our ratings.

The card’s perks are extra features that increase its value.

We also factor annual credits into this category for traditional travel credit cards.

When used responsibly, a balance transfer card can help if you’re struggling with existing credit card debt.

The lower the fee, the better the rating.

This subcategory defines how useful the card is once the promotional period is over.

They’re credit cards with more-lax credit requirements, including student credit cards and secured credit cards.

We also consider how expensive the card is.

A lower APR and fewer fees make the card a more enticing choice.

They’re typically travel cards with business-focused rewards.

It’s one of the main selling points for business travel and business reward cards alike.

The more rewarding and versatile the program is, the higher the card will be rated.

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