Product Reviews

In-depth, independent reviews of 53 financial products across 10 categories.

Credit Cards

Chase Sapphire Reserve

4.9

Ultra-premium travel card with Priority Pass lounge access, $300 travel credit, and 3X on travel & dining.

BEST PREMIUM
LOUNGE ACCESS
Mortgage

Rocket Mortgage

4.8

America's largest mortgage lender with a fast online application process and competitive rates.

EDITOR'S PICK
FAST CLOSING
Credit Cards

Chase Sapphire Preferred

4.8

Premium travel rewards card with 60,000 bonus points and no foreign transaction fees.

EDITOR'S PICK
BEST TRAVEL
Credit Cards

The Platinum Card from Amex

4.8

The ultimate luxury travel card — Centurion Lounges, $200 hotel credit, $200 airline fee credit, 5X flights.

ULTRA PREMIUM
LUXURY
Credit Cards

Chase Ink Business Preferred

4.8

Earn 100K bonus points, 3X on travel, shipping, internet, and advertising spend up to $150K/year.

BEST BUSINESS
HIGH BONUS
Investing

Fidelity Investments

4.8

Full-service broker with zero-fee index funds, excellent research, and retirement tools.

EDITOR'S PICK
BEST OVERALL
Life Insurance

Haven Life

4.7

Simple, affordable term life insurance backed by MassMutual. Apply in 20 minutes.

EDITOR'S PICK
FAST APPROVAL
Credit Cards

Amex Gold Card

4.7

Earn 4X on restaurants and groceries. $120 dining credit and $120 Uber Cash annually.

BEST DINING
HIGH REWARDS
Credit Cards

Capital One Venture X

4.7

Premium travel card with airport lounge access, 75,000 miles bonus, and $300 travel credit.

PREMIUM
LOUNGE ACCESS
Investing

Charles Schwab

4.7

Full-service brokerage with no minimums, commission-free trades, and physical branches.

BEST SERVICE
Bank Accounts

SoFi Checking & Savings

4.7

4.50% APY with no account fees and up to $2M FDIC insurance through partner banks.

HIGHEST APY
EDITOR'S PICK
Mortgage

Better Mortgage

4.6

No origination fees and a fully digital mortgage experience with instant rate quotes.

NO FEES
BEST VALUE
Life Insurance

Ladder Life

4.6

Flexible term life insurance you can adjust as your needs change. No hidden fees.

FLEXIBLE
HIGH COVERAGE
Credit Cards

Discover it Cash Back

4.6

5% rotating categories, cashback match first year doubles all rewards. No annual fee.

NO FEE
BEGINNERS
Credit Cards

Citi Double Cash Card

4.6

Straightforward 2% cash back on everything — 1% when you buy, 1% when you pay. No categories to track.

BEST FLAT RATE
NO FEE
Credit Cards

Chase Freedom Unlimited

4.6

Earn 1.5% on everything, 5% on travel via Chase, 3% on dining & drugstores. Great starter card.

CASH BACK
NO FEE
Credit Cards

Blue Cash Preferred from Amex

4.6

Earn 6% at U.S. supermarkets (up to $6K/yr), 6% on streaming, 3% on transit & gas. Best grocery card.

BEST GROCERY
FAMILIES
Student Loans

SoFi Student Loans

4.6

Refinance student loans with no fees and member benefits including career coaching.

EDITOR'S PICK
NO FEES
Personal Loans

SoFi Personal Loans

4.6

Borrow up to $100K with no fees and flexible repayment terms from 2-7 years.

EDITOR'S PICK
NO FEES
Retirement

Betterment

4.6

Automated retirement investing with tax-loss harvesting and personalized advice.

EDITOR'S PICK
AUTOMATED
Mortgage

SoFi Mortgage

4.5

Low rates with member benefits and no hidden fees. Great for high-credit borrowers.

LOW RATES
Life Insurance

Ethos Life

4.5

No medical exams, no blood tests. Get covered in 10 minutes online.

NO EXAM
INSTANT
Credit Cards

Citi Staal Preferred

4.5

Earn ThankYou Points with 10X on hotels, 4X on restaurants, and a strong sign-up bonus.

TRAVEL
HOTEL REWARDS
Credit Cards

Wells Fargo Active Cash

4.5

Unlimited 2% cash rewards on all purchases with a $200 bonus and 0% intro APR for 12 months.

CASH BACK
2% FLAT
Credit Cards

Chase Freedom Flex

4.5

Earn 5% on rotating quarterly categories (up to $1,500), 3% dining & drugstores, 1% on all else.

CASH BACK
ROTATING
Credit Cards

Amex Blue Business Plus

4.5

Earn 2X Membership Rewards on all purchases up to $50K/year, then 1X. No annual fee.

BUSINESS
NO FEE
Credit Cards

Discover it Student Cash Back

4.5

5% rotating categories, cashback match doubles ALL cash back first year. Built for students.

BEST STUDENT
NO FEE
Credit Cards

Capital One Quicksilver

4.5

Unlimited 1.5% cash back on every purchase. No annual fee, no foreign fees, and a one-time $200 bonus.

NO FEE
SIMPLE
4.5

Customize your student loan payments with flexible repayment options and skip-a-payment.

FLEXIBLE
HELOC

Figure HELOC

4.5

Get a HELOC in as fast as 5 days with a fully digital process. Powered by blockchain.

FASTEST
EDITOR'S PICK
Personal Loans

LightStream

4.5

Low rates for borrowers with excellent credit. Rate beat program guarantees best rate.

LOWEST RATES
Bank Accounts

Marcus by Goldman Sachs

4.5

High-yield savings from Goldman Sachs with no fees and no minimum deposit.

NO MINIMUM
TRUSTED
Retirement

Wealthfront

4.5

Smart automated investing with direct indexing and financial planning tools.

SMART INVESTING
Credit Cards

Capital One SavorOne

4.4

Earn 3% on dining, entertainment, groceries, and streaming — plus 5% on hotels & car rentals via Capital One.

DINING
NO FEE
Credit Cards

Wells Fargo Reflect

4.4

Industry-leading 0% intro APR for up to 21 months on purchases and balance transfers.

BEST 0% APR
BALANCE TRANSFER
Credit Cards

Capital One Spark Cash Plus

4.4

Unlimited 2% cash back on every purchase with no caps. Built for businesses with high monthly spend.

BUSINESS
HIGH SPEND
Credit Cards

Discover it Secured

4.4

Build credit with a refundable deposit. Earn 2% at gas stations & restaurants (up to $1K/quarter), 1% everywhere.

BEST SECURED
CREDIT BUILDING
Credit Cards

Amex Blue Cash Everyday

4.4

3% at U.S. supermarkets (up to $6K/yr), 3% on gas, 3% on online shopping. No annual fee.

GROCERIES
NO FEE
Investing

Robinhood

4.4

Commission-free investing with fractional shares, crypto, and a sleek mobile app.

POPULAR
BEGINNERS
HELOC

Bethpage FCU HELOC

4.4

Low introductory rates with a credit union you can trust. No closing costs.

LOW RATE
NO COSTS
Crypto

Coinbase

4.4

The most trusted crypto exchange in the US. Buy, sell, and store 200+ cryptocurrencies.

MOST TRUSTED
POPULAR
Mortgage

LenderTree

4.3

Compare multiple lenders at once. Get up to 5 offers in minutes.

COMPARE RATES
Credit Cards

United Explorer Card

4.3

Earn 60K miles, free checked bag, priority boarding, and 2X on United purchases and dining.

AIRLINE
UNITED
Credit Cards

Citi Simplicity Card

4.3

No late fees ever, 0% intro APR for 21 months on balance transfers and 12 months on purchases.

NO LATE FEES
BALANCE TRANSFER
Credit Cards

Capital One SavorOne Student

4.3

Earn 3% on dining, entertainment, and groceries — designed for students building credit.

STUDENT
DINING
Credit Cards

Bank of America Unlimited Cash Rewards

4.3

Unlimited 1.5% cash back on all purchases. BofA Preferred Rewards members earn up to 2.62%.

NO FEE
BOFA CLIENTS
Credit Cards

Marriott Bonvoy Boundless

4.3

Earn 3 free nights worth up to 50K points each, 6X at Marriott, automatic Silver Elite status.

HOTEL
MARRIOTT
Crypto

Kraken

4.3

Low-fee crypto exchange with advanced trading tools and staking rewards.

LOW FEES
ADVANCED
Credit Cards

Delta SkyMiles Gold Card

4.2

Earn 2X on Delta and restaurants, free checked bag, and priority boarding on Delta flights.

AIRLINE
DELTA
Credit Cards

Capital One Quicksilver Secured

4.2

Earn 1.5% unlimited cash back while building credit. Deposit as low as $200. Auto upgrade path.

SECURED
LOW DEPOSIT
Credit Cards

Hilton Honors Surpass Card

4.2

Earn 130K bonus points, 12X at Hilton, 6X on dining & groceries. Automatic Gold status.

HOTEL
HILTON
Credit Cards

U.S. Bank Visa Platinum

4.1

0% intro APR for 18 billing cycles on purchases and balance transfers, plus free credit score access.

0% APR
DEBT PAYOFF
Credit Cards

Chime Credit Builder Visa

4.1

No credit check, no interest, no fees. Move money from your Chime account to spend and build credit.

NO CREDIT CHECK
CREDIT BUILDING