Advertising Disclosure
Last updated: April 2026
How We Earn Revenue
Ratesopedia is a free service. We earn revenue through affiliate partnerships with financial institutions. When you click on a product link and apply for or open a financial product (such as a credit card, bank account, or mortgage), we may receive compensation from the provider. This compensation helps us keep our site running and continue providing free, unbiased comparisons.
Editorial Independence
Our editorial content and product rankings are never influenced by our advertising relationships. We evaluate financial products based on objective criteria including fees, rewards rates, interest rates, insurance coverage, and overall value. Our methodology is consistent regardless of whether a product is from an advertising partner. Products from non-partners are included in our comparisons and may rank higher than partner products.
How We Rank Products
Our rankings are based on a transparent methodology that considers factors such as: annual fees, welcome bonus value, rewards earning rates, interest rates, insurance coverage, perks and benefits, and first-year value. We calculate a "Year 1 Value" for credit cards to give you an objective comparison point. We regularly review and update our rankings to ensure accuracy.
Partner Identification
Products from advertising partners may be labeled as "Partner" or "Sponsored" on our site. This label is for transparency only and does not affect the product's ranking or our editorial assessment. We believe in full transparency about our business relationships.
Your Choices
You are never required to use our affiliate links. All product information on our site is available regardless of whether you click through our links. We encourage you to compare products across multiple sources and always read the terms and conditions directly on the issuer's website before applying.
Contact Us
If you have questions about our advertising practices or editorial policies, please contact us at info@ratesopedia.com.