About
Editorial Policy
CashBackBunny helps you compare credit cards using clear rules, consistent data, and transparent monetization. This page explains how we research, score, and update content, plus how affiliate relationships work.
Mission
We publish practical credit card guidance for people who want to earn rewards without overpaying in fees or interest. We prioritize clarity, comparable data, and rules you can apply fast.
Non-negotiable rule: If a recommendation could increase your interest costs, we do not recommend it. Rewards are never worth carrying a balance.
Editorial independence
Editorial decisions are made independently of revenue considerations. Partner relationships do not determine which cards we cover, how we score them, or what we say about them.
- We can feature cards even when no affiliate partnership exists.
- We can exclude partner cards if they are not competitive for a category.
- We state trade-offs plainly, including when a popular card is a poor fit.
How we make money
Some outbound links are affiliate links. If you click and apply, we may earn a commission. This does not change your price, rates, approval odds, or benefits.
What revenue can influence: which offers we can monitor more frequently (because partners may send more frequent change notices).
What revenue cannot influence: our scoring rules, rankings, or whether we recommend a card for your situation.
Revenue transparency: A higher commission does not improve a card’s score. If two cards are close, we prefer the one that is easier to use and less likely to trigger interest or fees.
How we review cards
We evaluate credit cards with a consistent framework so you can compare options without marketing noise. We rely on primary issuer documents first, then validate key details using reputable third-party references where needed.
What we verify
- Rewards structure (base earn rate, bonus categories, caps, redemption options).
- Fees (annual fee, foreign transaction fee, balance transfer fee, late fees where disclosed).
- APR ranges and promo APR windows (when applicable).
- Welcome offer requirements (spend thresholds, time windows, exclusions).
- Key benefits (protections, credits, travel perks, partner benefits).
How we choose “best for” categories
Each category targets a specific goal (for example: highest flat-rate cashback, best no-fee starter card, or best travel value). We select top cards based on expected value, simplicity, and downside risk.
Category integrity: We score cards against peers in the same category. We do not compare a premium travel card directly against a no-annual-fee cashback card.
Scoring model
Scores are relative within a category. We use a weighted model designed to reflect real-world outcomes for the typical user in that category. We also apply a “downside risk” adjustment for common mistakes that create interest or fees.
| Factor | Weight | What it captures |
|---|---|---|
| Value for typical spend | 35% | Earn rates, caps, and realistic redemption value for the category. |
| Fee efficiency | 20% | Whether rewards and benefits reasonably offset fees for the target user. |
| APR and interest exposure | 15% | How costly it can get if you carry a balance, and how clearly terms are disclosed. |
| Offer quality | 15% | Welcome offer usefulness, difficulty, and exclusions that reduce real value. |
| Benefits quality | 10% | Protections, credits, insurance, and practical value for the category’s user. |
| Complexity cost | 5% | How hard it is to earn and redeem (rotating categories, portals, transfer partners). |
How to read scores: A higher score means better expected value for the category’s typical user, not “best for everyone.” We always explain who a card fits and who should skip it.
Updates and monitoring
Offers and terms can change quickly. We monitor issuer pages and key disclosures and update content when changes are detected.
- Material offer changes: we update relevant pages as soon as possible.
- Routine maintenance: we review top category pages at least monthly.
- Scoring: we adjust weights or scoring only when it improves accuracy, and we keep the framework consistent across categories.
Corrections
If you find an error, we correct it as quickly as possible. Corrections include offer details, fees, APR ranges, and benefit descriptions. If a correction changes the substance of a recommendation, we may add an on-page note.
Conflicts of interest
We do not accept compensation in exchange for favorable coverage. We avoid conflicts that could bias recommendations. If a relationship could reasonably be perceived as a conflict, we disclose it.
Contact
For corrections or editorial questions, contact us through the site. Include the page URL and the specific claim you want verified.
Sources
We reference primary issuer terms and reputable regulatory resources. Examples include:
- Issuer product pages, Rates & Fees disclosures, and cardmember agreements.
- CFPB consumer resources on credit cards, interest, and fees.
- FTC guidance on endorsements and affiliate relationships.
- Truth in Lending Act and related consumer disclosure requirements (high-level).
- Federal Reserve consumer and payments resources (when relevant to a claim).
External references (when linked on pages) are provided for verification and context, not as endorsements.