To identify the best credit cards for people to compare, WalletHub’s editors themselves compare more than 1,500 credit card offers on a regular basis and select the top options in the most popular usage categories. WalletHub’s comparison focuses on finding the cards capable of saving different types of users the most money possible. The specific criteria used to measure potential savings differ from category to category, though.

For example, it’s most important to compare annual fees, rewards and approval requirements when evaluating secured credit cards, while introductory and regular APRs are crucial to comparing credit cards for financing purposes. In addition, comparing expected rewards earnings minus membership fees will lead to you the best rewards cards.

In order to ensure that these selections stay up to date, WalletHub’s editors repeat this comparison process regularly.

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