Editorial policy

Our goal is to explain credit cards clearly and fairly so you can make your own decision.

How reviews are researched

Reviews are based on the issuer's published information: rewards structure, interest rates, fees, welcome offers, benefits and stated credit requirements. We then weigh the card's strengths and weaknesses for different kinds of cardholders, for example people who pay in full every month versus those who sometimes carry a balance.

Dates and accuracy

Each review has a Terms on record panel showing the rates and fees published by the issuer in the month stated. Because issuers change terms often, we always ask readers to confirm current details with the issuer before applying.

No ratings, no paid placement in reviews

We do not publish star ratings, scores or invented testimonials. Advertisers cannot buy a review or change what a review says.

Corrections

If you find an error, email info@elitecreditcards.com with the page address and the correction. We review every report and update pages where needed.

Not financial advice

Our content is general information, not personal financial, legal or tax advice. Consider your own circumstances, and consult a qualified professional if you need personalised advice.