2019 Best-Of Credit Cards

Great question. NerdWallet's ratings formulas for credit cards take into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

NerdWallet’s awards are given annually to the best of the best. Our other lists of top products throughout the year may be longer than the lists of award winners, offer additional consumer choices and get updated as products change, products are discontinued and new products emerge.

NerdWallet's award winners are chosen through a rigorous evaluation process involving roughly three dozen writers and editors. For each financial product, we assess the features that we believe are most important to consumers.

Writers and editors use comprehensive scoring formulas that assess each financial product’s key features, weighting them according to their importance to consumers.

Nope. Editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Only products that meet the editorial team’s standards appear in our Best-Of lists, meaning no company can “buy” an award.