What is the finder score?
No credit card spender is alike. While you may swipe with an eye toward points, your father is fixed on miles, your cousin wants cash back and your friend simply needs a line of credit. You may be a stickler for a low APR but others just want a card they qualify for.
These different interests mean people can end up rating the same credit card differently. On top of that, there are dozens of credit card comparison sites online all claiming their ratings are your North Star. How do you decide who to trust? Or which card is right for you? It’s tough, but that’s where the finder score comes in.
How it works
The finder score is a “weighted average,” which basically means we’ve mixed credit card reviews from across the web with finder.com’s own proprietary survey data. Using magic — and a little science — we return an ultimate score. This score is our best guess at how the general public rates a given credit card overall.
What goes into the finder score?
The credit card reviews we use come from popular comparison sites around the web, like ValuePenguin and NerdWallet, sites that typically feature both the informed opinions of financial experts (“Expert Reviews”) as well as the reviews from their users (“User Reviews”). These reviews are either represented as a 1-100 scale or, more commonly, using 1-5 stars.
As for our polling data, it’s specific to each card. We poll hundreds of users for a given credit card to learn more about their spending habits and interests, discovering interesting statistics like the average approval rating based on a person’s credit score range.
Combined, these web reviews and survey responses are what make the finder score unique among credit card ratings.
Finder score methodology
The finder score is composed of both finder.com exclusive survey data as well as ratings aggregated across the web. Here are all the factors considered:
- Overall Rating on a scale of 1-10 (finder.com survey)
- Application Process on a scale of 1-10 (finder.com survey)
- Customer Service on a scale of 1-10 (finder.com survey)
- Average critic reviews across the web
For finder.com’s survey data, we applied the following weighting, emphasizing the importance of the overall score but still considering smaller yet significant features people look for in a credit card:
- Overall rating: 80%
- Application process: 10%
- Customer service: 10%
The critic reviews around the web is a bit more subjective. We include nearly all critic reviews that publicly list their ratings in Google Search. The number of ratings by site for each card will vary based on factors like the card’s popularity and length of time on the market. For instance, the Barclaycard Arrival Plus World Elite has 11 total critic reviews, while the Discover it Secured card shows 7.
We will continually tweak our algorithm to make sure we’re best representing the web’s consensus on a given credit card.