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. NerdWallet's ratings formulas for credit cards, for example, consider the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. For mortgages, we considered loan types and loan products offered, online capabilities, online mortgage rate information, customer service and complaints filed with the Consumer Financial Protection Bureau.