How we rate and choose

Last updated: October 4, 2026

This is the method we actually use. It is not a star system and it is not a guarantee. Who writes what is on the editorial policy.

Cards and points

Joe writes these guides. He chooses topics he can explain from the issuer’s or the program’s public pages, and from trips we have taken.

He writes the annual fee, the credits, and the earning rates as those pages state them, and the post says when that check was made. A parenthetical note that says the offer register was checked points to the updates and corrections log.

He does not give every card a score out of 10. If a post shows a score, that number is his judgment for that article only. “Worth it” means the credits and perks in that post look usable for the kind of trip the post describes. It does not mean the card is the best card for every reader.

A card is not chosen because it pays us. The site earns from ads, from affiliate links (Amazon, Stay22, and others named on the advertising policy), and from an Amex referral link. How the site is paid is on the advertising and affiliate policy.

Places

Erika writes these reviews. She chooses hotels, lounges, and other places she has stayed in or visited, and the review is her account of that visit.

A detail she did not see herself should say where it came from, such as the hotel or the airline. We do not publish a place review from a press release alone.

What this is not

Offers change. A fee on an older post can be the fee from the day that post was written. The corrections log lists the fee checks that have already been recorded. It does not restate every number on the site.

Questions go to the contact page.