Editorial Policy

How we select cards

We include every major US credit card regardless of whether we have an affiliate relationship with the issuer. Our database currently covers 82 cards from all major issuers including Chase, American Express, Capital One, Citi, Bank of America, Discover, Wells Fargo, and others. If a widely-available card is missing, let us know and we will add it.

How we rank them

Rankings are driven by your spending, not by editors and not by who pays us. Enter what you spend each month by category and the calculator works out every card's net annual value: rewards earned on your spending, minus the full sticker annual fee, plus only the benefit value that arrives automatically (such as anniversary points). Optional statement credits count only when you tell us you use them. A welcome bonus is shown as a separate first-year figure, never blended into the ongoing number. Cards within $25 a year of each other are called a tie, and "keep what you have" is a real answer when a switch would earn you only a little more. The method is versioned — currently v2026.09.4, revised September 25, 2026 — and every change is recorded in the public changelog.

See the full methodology and changelog

Conflicts of interest

We earn affiliate commissions when you apply for a card through our links and are approved. This is how the site is funded. Our rankings are commission-independent: the calculation never reads affiliate data, so it cannot know which cards pay us more, and a card we earn nothing from ranks exactly where its math puts it, with a link to the issuer's own page. There is no sponsored placement, and a change to the method must answer, in writing, whether it would still be defensible if the card involved paid us a large commission.

Review and update cadence

Welcome offers are re-checked against issuer websites within 14 days and core terms (rates, fees, caps) within 30 days. A card whose terms we have not re-verified in 90 days leaves every ranking until we do. Every freshness claim on the site — the homepage stamp and each card's verification date — is derived from the data's own verification timestamps, so the site cannot claim more recency than the data has. As of this build, every ranked card was verified November 4, 2026 or later.

How to report errors

If you spot incorrect card data — a wrong annual fee, outdated bonus, or missing benefit — email hello@rollsrewards.com with the card name and what looks wrong. We investigate every report within 48 hours and update our data if a correction is warranted.

Editorial team

RollsRewards is built and maintained by the RollsRewards team. All card data is independently verified against issuer public terms. No issuer has reviewed, approved, or endorsed any content on this site.