Credit cards are rigorously evaluated at The Motley Fool Ascent using a four-pronged approach, focusing on value, welcome experience, fees, and perks. Each card is scored on a 3-point scale in these categories, which is then converted to a 5-star rating system. High-value cards, for instance, offer robust rewards or significant intro APR periods, whereas high welcome experience cards provide substantial bonuses or low entry requirements. The scoring also emphasizes low fees and valuable perks, such as travel credits and purchase protections. These scores are used to compile 'Best Of' lists, where brand reputation and customer satisfaction are also considered, although placement on these lists is not influenced by advertiser compensation. This system aims to guide consumers towards top-scoring, reputable credit card options.
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