Personal Finance Editorial Standards

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services","datePublished":"2023-10-24T16:11:02Z","dateModified":"2024-09-26T21:11:19Z","description":"Personal Finance Insider's editorial standards outline how affiliate partnerships work, how we preserve editorial independence, and our commitment to diversity and inclusion.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate products and services to help you make smart decisions with your money.Our personal finance articles are written, edited, and published by members of Business Insider's editorial team, whose mission is to help people make smart decisions with their money.Personal Finance Insider is part of Business Insider's Service Journalism department and is helmed by a team of experienced journalists whose mission is to help smart people make the best decisions with their money.We understand that \"best\" is often subjective, so in addition to highlighting the benefits of a financial product or account, we outline the limitations, too. We spend hours comparing and contrasting the features and fine print of various products so you don't have to.Personal Finance Insider has affiliate partnerships with companies that provide financial products and services. However, the team is editorially independent. Learn more about exactly how these partnerships work and our editorial process below.Below, find the details on how we get paid, how we decide what to write, and why we have disclosures on our pages.The majority of Personal Finance Insider's stories, including our product reviews and our guides to the best products, are not sponsored. Advertisers have no ability to demand coverage, to control what's said, or to pay us for these articles. They don't see the post before it's published, and they can't make changes to the post after the fact.We only make changes to these articles if there are factual inaccuracies, potentially misleading statements, or errors. Like all of Business Insider, Personal Finance Insider always strives to be accurate and clear for our readers.A small percentage of Personal Finance Insider stories are sponsored by advertisers, and labeled accordingly. These articles bear a \"sponsored\" label and list the advertiser as the author. 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The revenue we make from stories allows us to, among other things, hire more journalists.In that way, affiliate marketing is similar to other types of advertising you may see on the web, such as display ads.Affiliate marketing works only if we recommend products our readers like and use. Since we don't get paid to write about brands, and we don't get paid just for clicks we send them, this business model is closely tied to the mission of our team: helping readers make the best decisions.Personal Finance Insider is editorially independent. That means our writers and editors have very little visibility into, and no control over, our business partnerships. It also means that our business team cannot dictate what our writers and editors choose to cover. Like the rest of Business Insider's extensive newsroom, we write, approve, and assign stories according to what will bring the most value to our readers.We ask ourselves:Once we've decided on our story, we alert the business team, which decides whether there are any partnerships that make sense for this story. Sometimes, there are, and sometimes, there aren't. If there are partnerships that make sense and could be helpful to the reader — for instance, a link to a credit card we're reviewing or a link to get car insurance quotes on a post about car insurance — the business team will add them in. Our business team has full control over which partnerships we have and how we use them.When you see a disclosure on a story, it means there are affiliate links. This does not indicate sponsored content, nor does it change the story.We include disclosures because we're dedicated to being transparent and clear with our readers about how we make money, and our partners are, too. In fact, we have an in-house team dedicated to ensuring we meet financial compliance regulations, so our readers are always getting the most up-to-date, accurate information.Personal Finance Insider knows that money isn't just about the number in your bank account. In the United States, access to financial products and services isn't the same for everyone, and neither is the outcome. Wealth is more than math — it comes down to factors beyond our individual control, including but not limited to the unequal impacts of generational wealth, racism in hiring and lending practices, homophobia, flawed credit-scoring systems, and red-lining.We're committed to representing and serving as many people as we can, whether that's interviewing experts from underrepresented groups within financial fields, providing resources to address specific financial situations, acknowledging the difference in how various communities can access wealth, or reviewing products and services created by and for specific communities.Personal Finance Insider operates with a set of Diversity, Equity, and Inclusion standards that are regularly reviewed and updated.These standards include:On many of our stories, you'll notice an editor's rating for a product. This rating is between zero and five stars, and we have different criteria to rate different products. Below, find more detail on our methodology for our editor's ratings. Additionally, you'll find a section in most of our product lists that addresses how we made our selection in more detail.We try our best to include most widely available options in our research process, however we cannot guarantee that we have considered all products and services. If you think there's a good product or service we haven't covered, please let us know at money-tips@insider.com.See our full ratings methodology for credit cards »Our ratings and content are not provided by the card issuers. Any opinions expressed are those of Business Insider's team alone, and have not been endorsed by the issuer unless stated otherwise.See our full ratings methodology for investment products » Please find an overview of how different banking products are assessed below: See our full ratings methodology for checking, business checking, savings, and money market accounts » See our full ratings methodology for certificates of deposit » See our full methodology rating for insurance » See our full ratings methodology for student loans » See our full ratings methodology for auto loans»See our full ratings methodology for personal loans » See our full ratings methodology for RV loans » See our full ratings methodology for boat loans » See our full ratings methodology for mortgage lenders » See our full ratings methodology for credit products » See our full ratings methodology for ID-theft protection products » Libby Kane has been overseeing Business Insider's personal finance coverage since 2014. In 2019, she launched Personal Finance Insider, which incorporates affiliate and commerce partnerships into the news, insights, and advice about money Business Insider readers already know and love. She holds the Certified Financial Education Instructor (CFEI) certification issued by the National Financial Educators Council.Sarah Silbert is the Deputy Editor at Personal Finance Insider. She oversees the vertical's guides and reviews, covering topics including banking, credit cards, insurance, investing, and mortgages. Her goal is to empower readers to make smart, informed financial decisions. She is also a Certified Educator in Personal Finance (CEPF).Katherine Fan is a Correspondent at Business Insider, responsible for credit card coverage on Personal Finance Insider. She is passionate about empowering people through personal finance and travel education.Avril Ayers is an editor for Personal Finance Insider. They edit articles about people's lived experience with personal finance, covering topics like taxes, insurance, loans, saving and financial planning.Jennifer is an experienced reporter who has covered everything from budgeting to saving to investing. She is available as a guest, expert source, or smart voice for radio, print, podcasts, and television.Molly Grace covers mortgage rates, refinance rates, lender reviews, and homebuying. Before joining the Business Insider team, Molly was a blog writer for Rocket Companies, where she wrote educational articles about mortgages, homebuying, and homeownership.Paul Kim is a senior associate editor at Personal Finance Insider, covering insurance, including everything from auto and life insurance to pet insurance and travel coverage. Sophia Acevedo is an editor at Business Insider who covers banking and savings. She joined Business Insider in July 2021 as a fellow for the Personal Finance Insider Reviews team.Tessa Campbell is a Junior Investing Reporter for Personal Finance Insider. She reports on investing-related topics like cryptocurrency, the stock market, and retirement savings accounts.Kit Pulliam (they/them) is a banking expert who specializes in certificates of deposit, savings accounts, and checking accounts. 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class="sticky-toc-link helpfulness-mobile-toc" href="#rating-personal-loans" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating personal loans </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#rating-rv-loans" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating RV loans </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#rating-boat-loans" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating boat loans </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#rating-mortgage-lenders" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating mortgage lenders </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#rating-credit-building-products-" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating credit-building products </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#rating-id-protection-products" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating ID-protection products </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#provided-features" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Provided features </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#price-of-service" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Price of service </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#customer-support-" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Customer support </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#meet-our-team" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Meet our team </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#business-partnerships" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Business partnerships </a> </li> <li> <a href="#is-our-content-sponsored?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Is our content sponsored? </a> </li> <li> <a href="#how-do-we-get-paid?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How do we get paid? </a> </li> <li> <a href="#including-paid-affiliate-links" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Including paid affiliate links </a> </li> <li> <a href="#deciding-what-to-write" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Deciding what to write </a> </li> <li> <a href="#disclosures-on-our-stories" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Disclosures on our stories </a> </li> <li> <a href="#commitment-to-diversity-and-inclusion" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Commitment to diversity and inclusion </a> </li> <li> <a href="#rating-products" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating products </a> </li> <li> <a href="#rating-credit-cards" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating credit cards </a> </li> <li> <a href="#rating-investment-products" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating investment products </a> </li> <li> <a href="#rating-banking-products" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating banking products </a> </li> <li> <a href="#rating-checking-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating checking accounts </a> </li> <li> <a href="#rating-money-market-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating money-market accounts </a> </li> <li> <a href="#rating-certificates-of-deposit" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating certificates of deposit </a> </li> <li> <a href="#rating-savings-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating savings accounts </a> </li> <li> <a href="#rating-business-checking-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating business checking accounts </a> </li> <li> <a href="#rating-car-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating car insurance </a> </li> <li> <a href="#rating-life-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating life insurance </a> </li> <li> <a href="#rating-homeowners-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating homeowners insurance </a> </li> <li> <a href="#rating-renters-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating renters insurance </a> </li> <li> <a href="#rating-travel-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating travel insurance </a> </li> <li> <a href="#rating-pet-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating pet insurance </a> </li> <li> <a href="#rating-student-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating student loans </a> </li> <li> <a href="#rating-auto-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating auto loans </a> </li> <li> <a href="#rating-personal-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating personal loans </a> </li> <li> <a href="#rating-rv-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating RV loans </a> </li> <li> <a href="#rating-boat-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating boat loans </a> </li> <li> <a href="#rating-mortgage-lenders" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating mortgage lenders </a> </li> <li> <a href="#rating-credit-building-products-" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating credit-building products </a> </li> <li> <a href="#rating-id-protection-products" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating ID-protection products </a> </li> <li> <a href="#provided-features" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Provided features </a> </li> <li> <a href="#price-of-service" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Price of service </a> </li> <li> <a href="#customer-support-" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Customer support </a> </li> <li> <a href="#meet-our-team" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Meet our team </a> </li> </ul> </div> </header> <nav class="component my-insider with-banner style-loading" data-my-insider data-component-type="my-insider" data-load-markup="my-insider/template" data-load-strategy="interaction" > <div class='my-insider-header'></div> <div class='my-insider-nav-and-content'></div> </nav> <section id="l-main-content" class="masthead " data-content > <div> <div class="hub-wrapper has-subnav hub-wrapper-helpfulness pfi"> <div class="vertical-title-wrapper"> <div class="hub-nav-wrapper"> <nav class="hub-nav style-loading" data-component-type="hub-nav" data-load-strategy="exclude" > <div class="hub-nav-link-container" data-hub-nav-link-container > <span class="hub-nav-link headline-semibold"> Get Started </span> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/savings" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Savings </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/certificates-of-deposit" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > CDs </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/checking-account" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Student Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-score" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Scores </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Travel Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/identity-protection" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Identity Theft Protection </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-monitoring-services" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Monitoring </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/small-business" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Small Business Banking </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <span class="hub-nav-link headline-semibold"> Featured Reviews </span> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/cash-back-debit-cards" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Cash Back Debit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/raisin-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Raisin Review </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/sofi-checking-savings-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > SoFi Checking and Saving </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/cit-bank-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > CIT Bank Review </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/chime-bank-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Chime Checking Account </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/ufb-direct-banking-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > UFB Direct Bank </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-cash-back-card-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Discover it Cash Back Credit Card </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Chase Sapphire Preferred Credit Card </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/squaremouth-travel-insurance-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > SquareMouth Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Cash Back Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Rewards Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best 0% APR Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Balance Transfer Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best First Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " 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<div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#business-partnerships" 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How do we get paid? </a> </li> <li> <a href="#including-paid-affiliate-links" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Including paid affiliate links </a> </li> <li> <a href="#deciding-what-to-write" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Deciding what to write </a> </li> <li> <a href="#disclosures-on-our-stories" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Disclosures on our stories </a> </li> <li> <a href="#commitment-to-diversity-and-inclusion" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Commitment to diversity and inclusion </a> </li> <li> <a href="#rating-products" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating products </a> </li> <li> <a href="#rating-credit-cards" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating credit cards </a> </li> <li> <a href="#rating-investment-products" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating investment products </a> </li> <li> <a href="#rating-banking-products" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating banking products </a> </li> <li> <a href="#rating-checking-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating checking accounts </a> </li> <li> <a href="#rating-money-market-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating money-market accounts </a> </li> <li> <a href="#rating-certificates-of-deposit" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating certificates of deposit </a> </li> <li> <a href="#rating-savings-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating savings accounts </a> </li> <li> <a href="#rating-business-checking-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating business checking accounts </a> </li> <li> <a href="#rating-car-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating car insurance </a> </li> <li> <a href="#rating-life-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating life insurance </a> </li> <li> <a href="#rating-homeowners-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating homeowners insurance </a> </li> <li> <a href="#rating-renters-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating renters insurance </a> </li> <li> <a href="#rating-travel-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating travel insurance </a> </li> <li> <a href="#rating-pet-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating pet insurance </a> </li> <li> <a href="#rating-student-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating student loans </a> </li> <li> <a href="#rating-auto-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating auto loans </a> </li> <li> <a href="#rating-personal-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating personal loans </a> </li> <li> <a href="#rating-rv-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating RV loans </a> </li> <li> <a href="#rating-boat-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating boat loans </a> </li> <li> <a href="#rating-mortgage-lenders" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating mortgage lenders </a> </li> <li> <a href="#rating-credit-building-products-" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating credit-building products </a> </li> <li> <a href="#rating-id-protection-products" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rating ID-protection products </a> </li> <li> <a href="#provided-features" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Provided features </a> </li> <li> <a href="#price-of-service" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Price of service </a> </li> <li> <a href="#customer-support-" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Customer support </a> </li> <li> <a href="#meet-our-team" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Meet our team </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate products and services</a> to help you make smart decisions with your money.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p></p><aside class="quick-tip headline-regular ignore-typography"><p style="text-align: center;"><strong>Our personal finance articles are written, edited, and published by members of Business Insider's editorial team, whose mission is to help people make smart decisions with their money.</strong></p></aside><p>Personal Finance Insider is part of Business Insider's Service Journalism department and is helmed by a team of experienced journalists whose mission is to help smart people make the best decisions with their money.</p><p>We understand that "best" is often subjective, so in addition to highlighting the benefits of a financial product or account, we outline the limitations, too. We spend hours comparing and contrasting the features and fine print of various products so you don't have to.</p><p>Personal Finance Insider has affiliate partnerships with companies that provide financial products and services. However, the team is editorially independent. Learn more about exactly how these partnerships work and our editorial process below.</p><h2 data-toc-label="Business partnerships" id="business-partnerships" class="toc-anchor">How our business partnerships work</h2><p>Below, find the details on how we get paid, how we decide what to write, and why we have disclosures on our pages.</p><h2 data-toc-label="Is our content sponsored?" id="is-our-content-sponsored?" class="toc-anchor">Is Personal Finance Insider writing sponsored content?</h2><p>The majority of Personal Finance Insider's stories, including our product reviews and our guides to the best products, are not sponsored. Advertisers have no ability to demand coverage, to control what's said, or to pay us for these articles. They don't see the post before it's published, and they can't make changes to the post after the fact.</p><p>We only make changes to these articles if there are factual inaccuracies, potentially misleading statements, or errors. Like all of Business Insider, Personal Finance Insider always strives to be accurate and clear for our readers.</p><p>A small percentage of Personal Finance Insider stories are sponsored by advertisers, and labeled accordingly. These articles bear a "sponsored" label and list the advertiser as the author. Our in-house editorial team does not write these articles; we contract with freelance writers to produce them. In the case of sponsored articles, advertisers are allowed to see the post before publication and provide feedback for consideration.</p><h2 data-toc-label="How do we get paid?" id="how-do-we-get-paid?" class="toc-anchor">So how do we get paid?</h2><p>Personal Finance Insider uses affiliate marketing. Affiliate marketing means when we mention a product or service with which we have a partnership, we link to that product or service using a special tracking link that lets our partner know the reader came from our site. If that reader decides to buy or apply for something from our partner, the partner pays Personal Finance Insider a small amount. Exact terms vary by partner. These partnerships do not add any extra cost for the reader.</p><h2 data-toc-label="Including paid affiliate links" id="including-paid-affiliate-links" class="toc-anchor">Why include paid affiliate links at all?</h2><p>We use affiliate marketing to support our business. The revenue we make from stories allows us to, among other things, hire more journalists.</p><p>In that way, affiliate marketing is similar to other types of advertising you may see on the web, such as display ads.</p><p>Affiliate marketing works only if we recommend products our readers like and use. Since we don't get paid to write about brands, and we don't get paid just for clicks we send them, this business model is closely tied to the mission of our team: helping readers make the best decisions.</p><h2 data-toc-label="Deciding what to write" id="deciding-what-to-write" class="toc-anchor">How do we decide what to write?</h2><p>Personal Finance Insider is editorially independent. That means our writers and editors have very little visibility into, and no control over, our business partnerships. It also means that our business team cannot dictate what our writers and editors choose to cover. Like the rest of Business Insider's extensive newsroom, we write, approve, and assign stories according to what will bring the most value to our readers.</p><p>We ask ourselves:</p><ul><li aria-level="1">Is it helpful?</li><li aria-level="1">Have readers shown interest in this topic?</li><li aria-level="1">Does it highlight an undercovered perspective?</li><li aria-level="1">Is it an important story to tell?</li><li aria-level="1">Does it bolster our SEO presence to help readers find our stories?</li></ul><p>Once we've decided on our story, we alert the business team, which decides whether there are any partnerships that make sense for this story. Sometimes, there are, and sometimes, there aren't. If there are partnerships that make sense and could be helpful to the reader — for instance, a link to a credit card we're reviewing or a link to get car insurance quotes on a post about car insurance — the business team will add them in. Our business team has full control over which partnerships we have and how we use them.</p><h2 data-toc-label="Disclosures on our stories" id="disclosures-on-our-stories" class="toc-anchor">Why do we have disclosures on our stories?</h2><p>When you see a disclosure on a story, it means there are affiliate links. This does not indicate sponsored content, nor does it change the story.</p><p>We include disclosures because we're dedicated to being transparent and clear with our readers about how we make money, and our partners are, too. In fact, we have an in-house team dedicated to ensuring we meet financial compliance regulations, so our readers are always getting the most up-to-date, accurate information.</p><h2 data-toc-label="Commitment to diversity and inclusion" id="commitment-to-diversity-and-inclusion" class="toc-anchor">Our commitment to diversity and inclusion</h2><p>Personal Finance Insider knows that money isn't just about the number in your bank account. In the United States, access to financial products and services isn't the same for everyone, and neither is the outcome. Wealth is more than math — it comes down to factors beyond our individual control, including but not limited to the unequal impacts of generational wealth, racism in hiring and lending practices, homophobia, flawed credit-scoring systems, and red-lining.</p><p>We're committed to representing and serving as many people as we can, whether that's interviewing experts from underrepresented groups within financial fields, providing resources to address specific financial situations, acknowledging the difference in how various communities can access wealth, or reviewing products and services created by and for specific communities.</p><p>Personal Finance Insider operates with a set of Diversity, Equity, and Inclusion standards that are regularly reviewed and updated.</p><p>These standards include:</p><ul><li>Being mindful of how our sources and writers are represented in our writing.</li><li>Not making assumptions about anyone's identity.</li><li>When evaluating products for reviews or guides, considering the brand's ethics along with its products.</li><li>Equitable hiring and contracting practices that amplify voices from historically marginalized communities and ensure the best person for the job covers issues affecting their communities.</li></ul><h2 data-toc-label="Rating products" id="rating-products" class="toc-anchor">How we rate products</h2><p>On many of our stories, you'll notice an editor's rating for a product. This rating is between zero and five stars, and we have different criteria to rate different products. Below, find more detail on our methodology for our editor's ratings. Additionally, you'll find a section in most of our product lists that addresses how we made our selection in more detail.</p><p>We try our best to include most widely available options in our research process, however we cannot guarantee that we have considered all products and services. If you think there's a good product or service we haven't covered, please let us know at <a href="mailto:money-tips@insider.com" data-analytics-product-module="body_link" rel=" nofollow">money-tips@insider.com</a>.</p><h2 data-toc-label="Rating credit cards" id="rating-credit-cards" class="toc-anchor">How we rate credit cards</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">See our full ratings methodology for credit cards »</a></strong></p><p>Our ratings and content are not provided by the card issuers. Any opinions expressed are those of Business Insider's team alone, and have not been endorsed by the issuer unless stated otherwise.</p><ul><li><strong>Welcome bonus:</strong> We look at the value you can expect to get from the card's intro offer, whether it's cash back, airline miles, hotel points, or flexible rewards. We also consider how the bonus compares to similar card offers, and how easy it is to earn — for example, if the minimum spending requirement is very high, it would receive a lower rating than a card with a similar bonus and lower spending threshold. </li><li><strong>Annual fee: </strong>If the card charges an annual fee, does it offer benefits that can help offset the cost (such as statement credits, travel and purchase protections, or elite status)? A high annual fee isn't necessarily a negative if it's easy to get substantial value from a card, but cards that charge fees with fewer useful benefits don't rank as highly.  </li><li><strong>Earning rewards:</strong> Cards with broadly useful bonus categories or a high rate of return across all purchases get a better ranking than those with lower earning rates or niche categories. We also compare earning rates with other cards that have similar bonus categories, and we put a higher value on cards without spending caps in a specific category. </li><li><strong>Using rewards:</strong> Earning a lot of rewards is great, but if it's difficult to redeem them or it requires jumping through a lot of hoops, we reflect that in our assessment. Cards with multiple redemption options, such as for cash back, travel, or transfers to partners, get higher marks than those with limited choices or restrictions on using rewards.  </li><li><strong>Benefits:</strong> We evaluate the benefits that come with the card and give it a better rating if the perks are easy to use and helpful to a broader range of customers. No-annual-fee cards with rich benefits get a boost in ranking, but annual-fee cards get high marks if the perks they offer make the fee worthwhile.  </li></ul><h2 data-toc-label="Rating investment products" id="rating-investment-products" class="toc-anchor">How we rate investment products</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/investing-rating-methodology" target="_blank" rel="noopener" data-analytics-product-module="body_link">See our full ratings methodology for investment products » </a></strong></p><ul><li><strong>Fees:</strong> These ratings vary for different types of investment platforms (i.e., the rating methodology for a crypto exchange will differ from that for a brokerage or robo-advisor). Platforms with commission-free trading, no advisory fees, or fee-free fund options will typically earn the highest rating in this category. However, we also factor account minimum requirements into our score here. In addition, we cross-reference fees with the standard rates offered by similar investment platforms. Ratings range from 1-5.</li><li><strong>Investment selection:</strong> When determining this rating, we look at each platform's investment choices and number of tradeable investments. We also consider available account types and trading platforms and features.</li><li><strong>Access:</strong> We consider how easy it is to navigate the platform on both its website and/or mobile apps. Our rating also factors in whether the company offers human advisor access or educational resources beyond blog post explainers. When determining our final score, we rate the platform's website navigability from 1-5, and we take the average of its Apple and Google Play mobile ratings (if applicable). The average of the platform navigability rating and mobile app average rating determines the final score.</li><li><strong>Ethics:</strong> We evaluate each company according to both its reputability and legal standing with the associated financial regulations organizations (e.g., SEC or FINRA). We also assess whether companies have been involved in major public scandals or lawsuits, and we consider each platform's Better Business Bureau rating (if applicable) when determining our final rating. The final rating is an average of the company's reputability/ethics rating and its BBB rating. Our reputability ratings range from 1-5, and since the BBB uses letter ratings (from A+ F, or in some cases "NR"), we assign numerical values — also ranging from 1-5 — to each letter grade.</li><li><strong>Customer service:</strong> We review available methods of contacting customer service and customer service hours. We also consider whether there are features like live chat, 24/7 customer support, or other quick methods of getting in touch with company representatives. The best investment platforms typically offer 24/7 phone support, live chat functionality, and other easily accessible forms of communication.</li></ul><h2 data-toc-label="Rating banking products" id="rating-banking-products" class="toc-anchor">How we rate banking products</h2><p>Please find an overview of how different banking products are assessed below: </p><h2 data-toc-label="Rating checking accounts" id="rating-checking-accounts" class="toc-anchor">How we rate checking accounts</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/how-we-rate-checking-savings-money-market-accounts" target="_blank" rel="noopener" data-analytics-product-module="body_link">See our full ratings methodology for checking, business checking, savings, and money market accounts » </a></strong></p><ul><li><strong>Minimum deposit:</strong> We look to see how easy it is to open a checking account. The highest-ranked checking accounts have a minimum opening deposit between $0 and $25. If a checking account requires more than $25, this will be considered a disadvantage.</li><li><strong>Monthly fees:</strong> A checking account may receive a high rating in this category if it charges zero monthly service fees. If a checking account charges a monthly service fee, the rating assigned will depend on the monthly charge and how easy it is to waive the fee.</li><li><strong>Overdraft protection options:</strong> First, we review whether a bank charges overdraft fees and/or offers overdraft protection. Banks that deny a purchase but do not offer overdraft protection are assigned a 3 in this category. If the bank offers overdraft protection, we see if there's a fee for using overdraft protection.</li><li><strong>ATM network/fees:</strong> We look to see if the bank has a substantial ATM network, and how it charges out-of-network ATM fees. Ideally, a bank won't charge you a fee for using an out-of-network ATM. It will also reimburse if you're charged by another provider.</li><li><strong>Customer support:</strong> We review a financial institution's hours of customer support availability and ways you can contact a representative. The strongest financial institutions offer several ways to contact a representative and are available 24/7. If representatives are available during traditional bank hours it will receive a 3 in this category.</li><li><strong>Mobile app:</strong> We review the Google Play and Apple stores to see how customers have rated the app. The average score between the two platforms will determine our rating.</li><li><strong>Ethics:</strong> We review financial institutions to see if they've been involved in public scandals over the last three years. If the bank has been involved in a recent public settlement, we'll include information about it in our "Trustworthiness and BBB rating" section. This section also includes ratings from the Better Business Bureau so you may see how a bank responds to customer issues and information on if a financial institution actively helps underserved communities.</li></ul><h2 data-toc-label="Rating money-market accounts" id="rating-money-market-accounts" class="toc-anchor">How we rate money-market accounts</h2><ul><li><strong>Interest rate:</strong> A money market account may receive a high rating if it has a competitive interest rate. To help determine whether it has a high rate, we see if a bank account earns more than the national average money market account rate.</li><li><strong>Access to your money:</strong> We research to see if a money market account has access to savings through an ATM card, debit card, paper checks, or online payment service. Money market accounts will receive a higher rating if there are several ways to access an account.</li><li><strong>Minimum deposit:</strong> We look to see how easy it is to open a money market account. The highest-rated money market accounts have a minimum opening deposit of under $1,000. If a money market account requires $1,000 or more for an opening deposit, this will be considered a disadvantage.</li><li><strong>Monthly fees:</strong> A money market account may receive a high rating if it charges zero monthly service fees. If a money market account charges a monthly service fee, the rating assigned will depend on the monthly charge and how easy it is to waive the fee.</li><li><strong>Customer support:</strong> We review a financial institution's hours of customer support availability and ways you can contact a representative. The strongest financial institutions offer several ways to contact a representative and are available 24/7. If representatives are available during traditional bank hours it will receive a 3 in this category.</li><li><strong>Mobile app:</strong> We review the Google Play and Apple stores to see how customers have rated the app. The average score between the two platforms will determine our rating.</li><li><strong>Ethics:</strong> We review financial institutions to see if they've been involved in public scandals over the last three years. If the bank has been involved in a recent public settlement, we'll include information about it in our "Trustworthiness and BBB rating" section. This section also includes ratings from the Better Business Bureau so you may see how a bank responds to customer issues and information on if a financial institution actively helps underserved communities.</li><li><strong>ATM network/fees:</strong> This will only be factored in if the money market account has a debit card or ATM card. We look to see if the bank has a substantial ATM network, and how it charges out-of-network ATM fees. Ideally, a bank won't charge you a fee for using an out-of-network ATM and will provide reimbursement if you're charged by another provider.</li></ul><h2 data-toc-label="Rating certificates of deposit" id="rating-certificates-of-deposit" class="toc-anchor">How we rate certificates of deposit</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/how-we-rate-cds-certificates-of-deposit" target="_blank" rel="noopener" data-analytics-product-module="body_link">See our full ratings methodology for certificates of deposit » </a></strong></p><ul><li><strong>Interest rate:</strong> CDs will receive a high rating if the terms pay a competitive interest rate. To help determine whether a term has a high rate, we see if a financial institution pays more than the national average CD rate.</li><li><strong>Minimum deposit:</strong> We look to see how easy it is to open a CD. The highest-rated CDs have a minimum opening deposit of under $1,000. If a CD requires $1,000 or more for an opening deposit, this will be considered a disadvantage.</li><li><strong>Early withdrawal penalties (not factored in for no-penalty CDs):</strong> We look to see how much a financial institution charges you if you take money from a CD before its term ends. It will receive a 3 rating if it has standard early withdrawal penalties (90 days of interest for a 1-year CD; 1 year of interest for a 5-year CD). If a financial institution has lower penalties, it will receive a higher rating, and institutions with higher penalties will receive a lower rating.</li><li><strong>Variety of term options (only factored in for regular-term CDs):</strong> A financial institution will receive a 3 in this category if the following terms are available: 6 months; 1 year; 18 months; 2 years; 3 years; 4 years; and 5 years. If a financial institution offers more CD options, it will receive a higher rating, and institutions with fewer options will receive a lower rating.</li><li><strong>Customer support:</strong> We review a financial institution's hours of customer support availability and ways you can contact a representative. The strongest financial institutions offer several ways to contact a representative and are available 24/7. If representatives are available during traditional bank hours it will receive a 3 in this category.</li><li><strong>Mobile app:</strong> We review the Google Play and Apple stores to see how customers have rated the app. The average score between the two platforms will determine our rating.</li><li><strong>Ethics:</strong> We review financial institutions to see if they've been involved in public scandals over the last 3 years. If the bank has been involved in a recent public settlement, we'll include information about it in our "Trustworthiness and BBB rating" section. This section also includes ratings from the Better Business Bureau so you may see how a bank responds to customer issues and information on if a financial institution actively helps underserved communities.</li></ul><h2 data-toc-label="Rating savings accounts" id="rating-savings-accounts" class="toc-anchor">How we rate savings accounts</h2><ul><li><strong>Interest rate:</strong> A savings account will receive a high rating if it has a competitive interest rate. To help determine whether it has a high rate, we see if a savings account earns a higher interest rate than the national average savings account rate.</li><li><strong>Minimum deposit:</strong> We look to see how easy it is to open a savings account. The highest-rated savings accounts have a minimum opening deposit that's between $0 and $25. If a savings account requires more than $25, this will be considered a disadvantage.</li><li><strong>Monthly fees:</strong> A savings account may receive a high rating in this category if it charges zero monthly service fees. If a savings account charges a monthly service fee, the rating assigned will depend on the monthly charge and how easy it is to waive the fee.</li><li><strong>Customer support:</strong> We review a financial institution's hours of customer support availability and ways you can contact a representative. The strongest financial institutions offer several ways to contact a representative and are available 24/7. If representatives are available during traditional bank hours it will receive a 3 in this category.</li><li><strong>Mobile app:</strong> We review the Google Play and Apple stores to see how customers have rated the app. The average score between the two platforms will determine our rating.</li><li><strong>Ethics:</strong> We review financial institutions to see if they've been involved in public scandals over the last 3 years. If the bank has been involved in a recent public settlement, we'll include information about it in our "Trustworthiness and BBB rating" section. This section also includes ratings from the Better Business Bureau so you may see how a bank responds to customer issues and information on if a financial institution actively helps underserved communities.</li></ul><h2 data-toc-label="Rating business checking accounts" id="rating-business-checking-accounts" class="toc-anchor">How we rate business checking accounts</h2><ul><li><strong>Transaction limit:</strong> We will likely give a business checking account a high rating if it has an unlimited transaction limit. If there's a transaction limit, the rating will depend on how many free transactions are permitted per month, and the charge for exceeding the limit.</li><li><strong>Minimum deposit:</strong> We look to see how easy it is to open a business checking account. The highest-ranked business checking accounts have a minimum opening deposit that's between $0 and $25. If a business checking account requires more than $25, this will be considered a disadvantage.</li><li><strong>Monthly fees:</strong> A business checking account may receive a high rating in this category if it charges zero monthly service fees. If a business checking account charges a monthly service fee, the rating assigned will depend on the monthly charge and how easy it is to waive the fee.</li><li><strong>ATM network/fees:</strong> We look to see if the bank has a substantial ATM network, and how it charges out-of-network ATM fees. Ideally, a bank won't charge you a fee for using an out-of-network ATM. It will also provide reimbursement if you're charged by another provider.</li><li><strong>Customer support:</strong> We review a financial institution's hours of customer support availability and ways you can contact a representative. The strongest financial institutions offer several ways to contact a representative and are available 24/7. If representatives are available during traditional bank hours it will receive a 3 in this category.</li><li><strong>Mobile app:</strong> We review the Google Play and Apple stores to see how customers have rated the app. The average score between the two platforms will determine our rating.</li><li><strong>Ethics:</strong> We review financial institutions to see if they've been involved in public scandals over the last three years. If the bank has been involved in a recent public settlement, we'll include information about it in our "Trustworthiness and BBB rating" section. This section also includes ratings from the Better Business Bureau so you may see how a bank responds to customer issues and information on if a financial institution actively helps underserved communities.</li></ul><h2 data-toc-label="Rating car insurance" id="rating-car-insurance" class="toc-anchor">How we rate car insurance</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/insurance-rating-methodology" data-analytics-product-module="body_link" rel="">See our full methodology rating for insurance » </a></strong></p><ul><li><strong>Customer satisfaction: </strong>One of the most critical measures of an auto insurance company's competency is customer satisfaction. Two customers could have different experiences, whether trying to file a claim, get a quote online, or maintain their policies. Sites like JD Power and ConsumerAffairs.com offer averages based on hundreds of thousands of consumer reviews to assess the average consumer experience. We understand the numbers presented by customer satisfaction sites may not reflect every consumer experience, but ratings allow us to look for trends in service.</li><li><strong>Financial stability:</strong> AM Best continues to be the most reliable measure of financial stability for US insurance companies. It gathers balance sheets, credit ratings, and more. Companies with better AM Best ratings are also more likely to be around to meet your auto insurance needs, whether in six months or 20 years from now.</li><li><strong>Policy types:</strong> Risk mitigation is essential, especially for smaller car insurance companies. This is why many smaller insurers won't cover drivers with tickets, a history of even one DUI, or households with teen drivers. If a smaller company does cover high-risk drivers, it also charges unreasonable fees. We look at the policies offered that the average consumer can afford.</li><li><strong>Average premiums:</strong> How much should you expect to pay for auto insurance? Car insurance quotes could vary even if you have a perfect driving record. So we encourage all buyers to get three quotes. As we do with customer satisfaction, we use average premiums to rate the cost of each auto insurance provider.</li><li><strong>Claims paid: </strong>How quickly are claims paid, and how complicated is the process? Car insurance companies typically connect with customers online or via mobile apps, but not all companies allow consumers to file or manage claims remotely. Less tech-savvy consumers need more support than they would get from some insurance companies. We look for a balanced range of services consumers can use to file claims efficiently and how long car insurance providers purportedly take to pay and close the average claim.</li><li><strong>Standard exclusions:</strong> No auto insurance provider can offer the best rates for every driver. Even large insurance providers like GEICO and Progressive must turn away specific drivers. We consider underwriting trends and how many drivers cannot get insurance with each company we review. The stricter an auto insurance company's underwriting guidelines, the more likely you will shop for a new policy (that could cost more). Even if you maintain a perfect driving record, predictive underwriting allows some companies to avoid renewing your policy if you're likely to file a claim in the upcoming renewal period.</li><li><strong>Agents: </strong>Can policies be purchased online or via an app? Can you work with brokers who can quote multiple policies for you, or do you have to use insurance agents who work for that provider? While auto insurance companies with captive agents have certain advantages (agents may be more familiar with the company's underwriting policies), brokers or online quoting may be a better option if you're trying to compare quotes.</li><li><strong>States: </strong>A few car insurance companies offer coverage in all 50 states. The majority of auto insurance companies operate regionally. Your auto insurance company might cover the whole west coast, but if you move to New York, you'd have to switch insurance providers. Limited coverage maps could also increase auto insurance rates outside of the inconvenience of insurance shopping.</li><li><strong>Ethics: </strong>At this time, ethical ratings are a bonus. Available ratings only cover some large insurance providers. We boost ratings for insurance companies known to use green energy, volunteer in its community, donate to worthy non-profits, care for its employees, and otherwise operate ethically.</li></ul><h2 data-toc-label="Rating life insurance" id="rating-life-insurance" class="toc-anchor">How we rate life insurance</h2><ul><li><strong>Customer satisfaction: </strong>The average life insurance customer may talk about agents, the quoting process, pricing, and other factors. A typical life insurance policy doesn't pay until the buyer dies or hits retirement. JD Power assesses measures of consumer satisfaction extending beyond the initial purchase into claims. Its average rating shows how each life insurance company stacks up next to competitors.</li><li><strong>Financial stability: </strong>AM Best is the standard in financial strength ratings for life insurance companies. The organization looks at balance sheets, credit ratings, and more. When buying a life insurance policy that won't pay claims for 20+ years, it's critical to make sure the company will pay claims when needed.</li><li><strong>Policy types:</strong> Many life insurance companies offer term, no medical exam, whole life insurance for death benefits, and other quick-fix life insurance policies. Elite life insurance companies offer a comprehensive range of life insurance policies for death benefits and long-term investments. Buyers can use specific plans for retirement and more. Accelerated death benefits are more standard than ever (early withdrawals are allowed based on buyer needs). A few companies have also gotten into higher-risk policies for HIV patients and other preexisting conditions. The more available policy types, the more consumers a stable life insurance company can serve.</li><li><strong>Average premiums:</strong> Life insurance companies use complicated algorithms to estimate how long you might live and, therefore, how many premium payments you can make before a claim is filed. The older you get, the fewer options a life insurance company can offer. We look at average premiums based on the coverage you want, factoring in age, health, and other markers life insurance providers use. We don't expect a $10 million policy to be accessible to the average consumer. But we believe a moderately sized life insurance policy with accelerated death benefits and investment options should be reasonably priced for a healthy 20-year-old buyer. Appropriate life insurance policies should also be accessible for average-income older buyers.</li><li><strong>Waiting periods:</strong> Many life insurance providers use a waiting period on new policies. If you file a claim within the waiting period, your beneficiaries will not get the full benefit. Some companies will reimburse beneficiaries for the premiums they paid during that time. Other insurance companies add interest on top. We factor the length and expected payouts within the waiting period into our assessments.</li><li><strong>Standard exclusions: </strong>A successful life insurance company will exclude specific buyers to protect its future. Investors look at current profits and the ability to pay claims in the future. Life insurance companies will not offer new coverage to patients who are terminally ill or have certain preexisting conditions. We consider exclusions that may vary between life insurance providers. For example, one company might offer a full array of policies to a 40-year-old buyer. Another competitor might only offer term policies or no coverage at all. Modern medical innovations blur the lines around certain diseases, creating openings for innovative life insurance policies.</li><li><strong>Agent training: </strong>Particularly in life insurance, misinformation is more standard than many would like to admit. Many life insurance agents go into sales promoting term policies with promises of set premiums, guaranteed whole life conversions, etc. If you ask these agents about policies, they may need help answering critical questions. Other companies send agents through extensive training programs to ensure every employee knows what is available to buyers. These life insurance agents inform buyers of the company's conversion policies after a term policy expires, which includes underwriting, higher premiums, and possibly lower death benefits.</li><li><strong>State coverage: </strong>Agents and life insurance companies must be licensed in the state policies are sold. Many life insurance companies offer policies to 49 states and an adjusted life insurance product for New York state. Some only cover buyers in select states or regions. Companies offering policies in all 50 states also rank higher in this metric.</li><li><strong>Ethics: </strong>Ethics in business is a growing concern for consumers. We want the companies we buy from to engage in community outreach, behave responsibly with employees, and take care of our planet. We look for markers of ethical behavior among life insurance companies and offer a boost in ratings when we can confirm life insurance companies are engaging in ethical practices.</li></ul><h2 data-toc-label="Rating homeowners insurance" id="rating-homeowners-insurance" class="toc-anchor">How we rate homeowners insurance</h2><ul><li><strong>Customer satisfaction: </strong>JD Power offers yearly updates to its homeowners insurance rankings based on company performance and overall satisfaction. It looks at reviews, ratings of claims experiences, and more. We use its averages to determine which companies provide the optimal customer experience.</li><li><strong>Financial stability:</strong> AM Best ratings factor in balance sheets, credit ratings, and many other factors to see which home insurance companies will be around for the long haul. National homeowners insurance companies are more likely to have money to burn. When premiums come from all 50 states, costs balance out if a disaster occurs in Florida, California, or New York. Regional homeowners insurance companies may take different measures to ensure higher AM Best ratings.</li><li><strong>Policy types:</strong> Homeowners insurance policies are broken into two categories: named perils and all-risk policies. Named perils home insurance covers any hazard named in the policy documents. These policies typically have lower annual premiums as any abnormal or unexpected hazard may not be named (and therefore would not be covered). An all-risk policy covers everything except exclusions named in the policy documents. Beyond your standard homeowners insurance policy, some companies offer hazard-specific policies to supplement standard home insurance. Examples would include hurricane, earthquake, riot, and flood insurance policies. Supplemental riders are also available for high-value jewelry, computer equipment, and more.</li><li><strong>Average premiums:</strong> What annual premiums should buyers expect once a policy is approved? Premiums vary by zip code, square footage, and other factors and are typically proportional to property value. Remember, a home insurance policy covers the structure and permitted sheds, workshops, carports, and other structures not directly attached to your home. It does not protect the land.</li><li><strong>Claims paid:</strong> How long does a claim take? More importantly, for some homeowners, how often do insured parties have to file an appeal to get paid? We look beyond the estimated processing times listed by the insurance companies to objective performance reports. We want to see how home insurance claims are handled.</li><li><strong>Standard exclusions: </strong>If you live in states like Hawai'i, Alabama, or South Carolina, mortgage companies require hurricane insurance, and most homeowners insurance companies won't cover it. So you'll have to buy a supplemental policy just for hurricanes. Remember that your personal property, other structures, and other coverages for these specialty policies are specific to the policy. In other words, if you have $300,000 in personal property coverage on your homeowners policy but nothing on your hurricane policy and file a hurricane claim, it will not cover your personal property. We also factor in fewer standard exclusions or riders you have to pay extra for. Many home insurance companies are starting to include riders like water backup coverage, but not all do. We compare these trends side by side.</li><li><strong>Agents:</strong> We look at purchasing options available to the average homeowner. Is online quoting available, or do you have to work with an agent? Can agents generate multiple quotes for you, or do they only quote for one company? We look for easy quoting and agents who can look out for the customer's interests.</li><li><strong>State coverage:</strong> Many companies only offer homeowners insurance in select states. Some of the more prominent names in homeowners insurance provide coverage in all 50 states. We look for accessibility for a diverse range of homeowners.</li><li><strong>Ethics:</strong> In the bigger picture, an ethical homeowners insurance company may process claims more efficiently, provide better customer service, and otherwise care for its customers. We look for companies engaging in community outreach, responsible environmental practices, etc. While we recognize that only some homeowners insurance companies get recognized for these behaviors, we do not penalize companies in our ratings for lack of evidence online. Companies engaging in verifiable social behavior earn additional points.</li></ul><h2 data-toc-label="Rating renters insurance" id="rating-renters-insurance" class="toc-anchor">How we rate renters insurance</h2><ul><li><strong>Customer satisfaction: </strong>Many homeowners insurance companies also offer renters insurance, but the policies are functionally different. Customers filing renters claims may expect a limited amount in personal property coverage, reimbursement for hotel stays if displaced by a covered event, and liability coverage. We use JD Power rankings of the underwriting company, which combines thousands of customer reviews to offer objective assessments of overall performance.</li><li><strong>Financial stability: </strong>AM Best gathers balance sheets, credit ratings, and more for many of the largest insurance companies. While renters insurance claims are generally small, a company's financial stability will determine how quickly it handles your claims and if it's around in the future to protect you.</li><li><strong>Average premiums: </strong>Premiums vary by state, but many renters pay less than $200 annually for a basic policy. Personal property coverage is typically around $10,000. Coverage for high-value items like jewelry is also available at an additional cost. We compare premiums for a standard renters insurance policy and standard riders.</li><li><strong>Claims paid:</strong> Claim processing is just as important as how much your insurance pays. You will only receive reimbursements for actual losses, but the difference between the replacement cost and the actual value of the property could be significant. It could be the difference between covering a comparable computer and coming out of pocket because reimbursement decreases based on your computer's age and lost value. Similarly, the longer a claim takes, the more insured parties pay out of pocket early on. We offer higher ratings for companies that perform quickly and honor policies as written.</li><li><strong>Agents: </strong>Many renters policies are purchased online. Some companies offer standalone renters coverage. But many renters purchase policies through auto insurance providers or alongside another existing policy. While online quoting and access are essential, we look for companies also offering reliable agent support to answer questions and check quotes as needed.</li><li><strong>State coverage: </strong>Many companies are only licensed in a couple of states. Some offer regional coverage. A few insurance companies offer renters insurance in all 50 states. Some insurers only work with certain apartment buildings, but those companies typically offer more competitive rates to qualifying buyers. We consider accessibility a significant factor in choosing renters insurance.</li><li><strong>Ethics: </strong>Many modern insurance companies engage in social outreach. Renters insurance companies might donate to organizations assisting the homeless or engage in sustainable energy practices. We offer bonus points when we can verify a renters insurance company participates in ethical behavior.</li></ul><h2 data-toc-label="Rating travel insurance" id="rating-travel-insurance" class="toc-anchor">How we rate travel insurance</h2><ul><li><strong>Customer satisfaction:</strong> Some travel insurance plans cover individual trips for a nominal fee. Others offer coverage for trips within a set period (generally annually). We use sources like JD Power and Consumer Reviews to see what customers think. These resources help us understand how buyers experience travel insurance.</li><li><strong>Financial stability: </strong>AM Best ranks insurance providers based on financial performance and fiscally responsible behavior. Balance sheets and operational performance (how stable a company has been over time) are just two things AM Best considers before assigning its rankings.</li><li><strong>Policy types: </strong>Travel insurance could be as simple as extra coverage for your flight costs or as complicated as health, auto, baggage, and other coverage while you're on the road. Some policies even include protection for your pets.</li><li><strong>Average premiums:</strong> Premiums are based on many things, including destination, coverage limits and types, and more. Depending on the season and cost of travel, rates could vary weekly. We compare the average premiums at the time of our review.</li><li><strong>Claims paid: </strong>Many customer reviews revolve around the buying process. Quoting is easy, buyers appreciate the peace of mind even though they didn't file a claim, etc. But what happens when you have to file a claim? How long do reimbursements take, and how much paperwork is involved? Travel insurance reviews are only complete when accounting for actual policy usage.</li><li><strong>Coverage:</strong> Some travelers only want coverage for a road trip or domestic travel. A growing number of travelers are flying across the world. Our rating factors in the breadth of coverage and any limits on destinations.</li><li><strong>Ethics:</strong> Travel insurance companies may not offer home, auto, or other insurance types. These short-term policies are sold on separate sites as standalone products, but the founding companies typically fly under different names. Much larger insurance providers underwrite most travel insurance policies. When you look further into travel insurance websites, you might see names like Mutual of Omaha, Progressive, and Liberty Mutual. We look at the ethical practices of the individual branches and parent companies. Then we factor that into our ratings.</li></ul><h2 data-toc-label="Rating pet insurance" id="rating-pet-insurance" class="toc-anchor">How we rate pet insurance</h2><ul><li><strong>Customer satisfaction:</strong> Many pet insurance companies also offer pet wellness plans, but our focus is pet insurance for illness and injuries. We use resources like JD Power and Consumer Reviews to summarize many consumer reviews simultaneously.</li><li><strong>Financial stability: </strong>AM Best offers ratings between A+ and D based on overall economic performance and stability. It factors in long-term and short-term measures. Ultimately, this rating tells us how likely a company will be able to pay your claim quickly now and in the future. This is especially relevant with more significant claims, as many companies require you to pay pet expenses and file for reimbursement. A limited number of pet insurance carriers offer direct payment to qualified vets.</li><li><strong>Policy types:</strong> Accident and illness plans include many unique pet insurance policies. Accident-only policies narrow coverage even further. Each family's situation is unique, and pet insurance policies should cover everyday health issues for pets. Some pet parents want as much coverage as they can get. Others want to ensure they're covered for the big and unexpected stuff, like an auto accident or cancer. Most pet parents fall somewhere in between. If a provider offers one policy with the option to choose your deductible and limits, we consider how relevant it is to the average pet parent. If a pet insurance company offers multiple policies, we ensure available policies cover what consumers want and need.</li><li><strong>Average premiums: </strong>Pet insurance companies like Lemonade pet insurance offer premiums as low as $10-$12 per month for qualified pets. Other policies charge $50+ per pet, with or without discounts for multi-pet families. But there's a tradeoff between price and coverage. We use this metric to account for affordability and accessibility for as many consumers as possible.</li><li><strong>Claims paid: </strong>Most pet insurance companies require claimants to pay vet bills upfront. Then insurers reimburse claimants on the back end. A select few companies offer upfront payment as long as the vet is within its network. Long processing times can be highly stressful, especially when a pet needs expensive surgery or long-term treatment. We look for consistent and efficient processing times for most claims. We also look for pet insurance companies that make it easy to file claims.</li><li><strong>Preexisting conditions:</strong> When the average pet parent hears that preexisting conditions are excluded, they imagine any preexisting ailment. While it can be confusing, individual pet insurance providers go by different definitions. Some companies separate "curable" and "noncurable" conditions. Others will cover diseases as long as pets are asymptomatic for at least 6-12 months. We look for flexible preexisting conditions policies to make pet insurance benefits more accessible to families.</li><li><strong>State coverage:</strong> Some pet insurance plans are available in all 50 states and Washington DC. Others are only available in a few states. We look for pet insurance accessible to the most significant number of consumers.</li><li><strong>Age exclusions:</strong> Some of the best pet insurance companies offer coverage to pets of any age. Others exclude puppies under eight weeks, seniors, etc. A pet insurance company may cover seniors but exclude them when they need treatment for genetic or joint-related conditions. All these factors are essential. Our highest ratings go to companies that cover our pets at every stage of life.</li><li><strong>Coverage limits: </strong>A few companies still offer unlimited pet coverage. In other words, after you pay your deductible, your vet bills will be paid, accounting for coinsurance for the rest of the year. Other companies may limit coverage to $5,000-$10,000 after your deductible is paid. While this may seem generous, one emergency could quickly burn through smaller limits.</li><li><strong>Ethics:</strong> One thing that sets pet insurance apart from many other insurance types is a personal investment. While preexisting condition exclusions and other rules may be inconvenient, many pet insurance providers do this to continue providing coverage to consumers at low rates. It's not unusual for a pet insurance provider to label itself as a company of "pet lovers" and "pet parents." As such, a growing number of providers donate to help homeless pets and other worthy causes. We add points to highlight companies going the extra mile in pet care.</li></ul><h2 data-toc-label="Rating student loans" id="rating-student-loans" class="toc-anchor">How we rate student loans</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/how-we-rate-student-loans" rel="noopener" data-analytics-product-module="body_link">See our full ratings methodology for student loans » </a></strong></p><ul data-stringify-type="unordered-list" data-indent="0" data-border="0"><li data-stringify-indent="0" data-stringify-border="0"><strong data-stringify-type="bold">Interest rates:</strong> We evaluate the interest rate range compared with other lenders. The lower, the better. We look at how often the variable rate changes and what metrics are used to make these changes. Additionally, we determine if interest accrues while you're still in school and if there's an option to pay off your interest while still enrolled.</li><li data-stringify-indent="0" data-stringify-border="0"><strong data-stringify-type="bold">Term lengths: </strong>We see if the company has a variety of repayment term lengths, offering options for borrowers who want to pay off their loans quickly and save on interest, as well as borrowers who want to spread their costs over more years. We also examine if the company sets repayment terms or if the borrower is able to choose.</li><li data-stringify-indent="0" data-stringify-border="0"><strong data-stringify-type="bold">Fees:</strong> We give a company high marks if it has no fees on student loans. If there is an origination or late fee, we consider how big of a penalty it is, and we check for prepayment penalties.</li><li data-stringify-indent="0" data-stringify-border="0"><strong>Borrower accessibility: </strong>We look at how accessible the lender is for borrowers with a range of backgrounds. Lenders that only cater to borrowers in certain states, or with certain credit scores and income levels, will get lower marks than those that lend in all states to borrowers across the credit spectrum. </li><li data-stringify-indent="0" data-stringify-border="0">Some lenders also don't require credit scores, making them even more accessible for students. </li><li data-stringify-indent="0" data-stringify-border="0"><strong data-stringify-type="bold">Repayment options while in school: </strong>We give a company a top rating if it allows multiple repayment options while in school such as deferred, interest-only, and full. </li><li data-stringify-indent="0" data-stringify-border="0"><strong data-stringify-type="bold">Customer support:</strong> We review the different ways you're able to contact customer support. For instance, we look at if you can contact someone over the phone, by live chat, through email, or mail. We also review customer service hours and give high marks for around-the-clock service.</li><li data-stringify-indent="0" data-stringify-border="0"><strong style="color: #222222;" data-stringify-type="bold">Ethics: </strong>We look into the company to see if there has been a scandal in the past 3 years. We research if the company is known for being racist or sexist toward its customers or staff, or have predatory lending practices. We also make note of the company's Better Business Bureau rating.</li></ul><h2 data-toc-label="Rating auto loans" id="rating-auto-loans" class="toc-anchor">How we rate auto loans</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/how-we-rate-auto-loans" data-analytics-product-module="body_link" rel="">See our full ratings methodology for auto loans»</a></strong></p><ul><li><strong>Interest rate:</strong> We evaluate the interest rate range compared to other companies in the auto loan industry. The lower, the better. We look at how often the variable rate changes and what metrics are used to change rates.</li><li><strong>Term lengths:</strong> We see if the company has a variety of repayment term lengths, offering options for borrowers who want to pay off their loans quickly and save on interest, as well as borrowers who want to spread their costs over more years. We also examine if the company sets repayment terms or if the borrower is able to choose.</li><li><strong>Types of loans:</strong> We see if the lender offers new and used car loans, refinancing, and lease buyouts. The more options it has, the better.</li><li><strong>Minimum and maximum loan amounts:</strong> We evaluate how much you can take out with each lender, and give higher marks for a wider range of amounts.</li><li><strong>Fees:</strong> We give a company high marks if they have no fees on their auto loans. If there is an origination or late fee, we consider how big of a penalty it is, and we check for prepayment penalties.</li><li><strong>Customer support:</strong> We review the different ways you're able to contact customer support. For instance, we look at if you can contact someone over the phone, via live chat, through email, or mail. We also review customer service hours and give high marks for companies that offer around-the-clock service.</li><li><strong>Ethics:</strong> We look into the company to see if there has been a scandal in the past 3 years. We research if the company is known for being racist, or sexist toward its customers or staff or have predatory lending practices. We also make note of the company's Better Business Bureau rating.</li></ul><h2 data-toc-label="Rating personal loans" id="rating-personal-loans" class="toc-anchor">How we rate personal loans</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/how-we-rate-personal-loans" rel="noopener" data-analytics-product-module="body_link">See our full ratings methodology for personal loans » </a></strong></p><ul><li><strong>Interest rate:</strong> We evaluate the interest rate range compared with competitors. The lower, the better. We look at how often the variable rate changes and what metrics determine these changes. </li><li aria-level="1"><strong>Term lengths:</strong> We see if the company has a variety of repayment term lengths, offering options for borrowers who want to pay off their loans quickly and save on interest, as well as borrowers who want to spread their costs over a longer time. We also examine if the company sets repayment terms or if the borrower is able to choose.</li><li aria-level="1"><strong>Fees:</strong> We give a company high marks if it has no fees on personal loans. If there is an origination or late fee, we consider how much of a fee it is, and we check for prepayment penalties. </li><li aria-level="1"><strong>Loan amounts: </strong>We look at both a company's minimum loan amount and its maximum. A smaller minimum makes a company more accessible to borrowers who only need a bit of cash to tide them over. A high maximum enables borrowers who need to fund a more expensive project to do so. </li><li aria-level="1"><strong>Funding quickness:</strong> We rate a company highly if it gets you your money within the same business day or the next business day. Longer funding times lead to lower scores. </li><li aria-level="1"><strong>Customer support:</strong> We review the different ways you're able to contact customer support. For instance, we look at if you can contact someone over the phone, via live chat, through email, or mail. We also review customer service hours and give high marks for companies that offer around-the-clock service. </li><li aria-level="1"><strong>Ethics: </strong>We look into the company to see if there has been a scandal in the past three years. We research if the company is known for being racist, or sexist toward its customers or staff or has predatory lending practices. We also make note of the company's Better Business Bureau rating. </li></ul><h2 data-toc-label="Rating RV loans" id="rating-rv-loans" class="toc-anchor">How we rate RV loans</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/how-we-rate-rv-and-boat-loans" rel="noopener" data-analytics-product-module="body_link">See our full ratings methodology for RV loans » </a></strong></p><ul><li><strong>Interest rate:</strong> We evaluate the interest rate range compared to other RV loan companies. The lower, the better. We look at how often the variable rate changes and what metric the changes are based off of.</li><li><strong>Term lengths:</strong> We see if the company has a variety of repayment term lengths, offering options for borrowers who want to pay off their loans quickly and save on interest, as well as borrowers who want to spread their costs over more years. We also examine if the company sets repayment terms or if the borrower is able to choose.</li><li><strong>Minimum and maximum loan amounts:</strong> We evaluate how much you can take out with each lender, and give higher marks for a wider range of amounts.</li><li><strong>Maximum RV age and permissible use:</strong> We determine the maximum age of the RV you purchase. We also see if the company will allow you to live in the vehicle full-time or if it only approves vehicles for recreational use.</li><li><strong>Fees:</strong> We give a company good ratings if they have no fees on their RV loans. If there is an origination or late fee, we consider how big of a fee it is, and we check for prepayment penalties.</li><li><strong>Customer support:</strong> We review the different ways you're able to contact customer support. For instance, we look at if you can contact someone over the phone, via live chat, through email, or mail. We also review customer service hours and give high marks for companies that offer around-the-clock service.</li><li><strong>Ethics:</strong> We look into the company to see if there has been a scandal in the past 3 years. We research if the company is known for being racist, or sexist toward its customers or staff or have predatory lending practices. We also make note of the company's Better Business Bureau rating.</li></ul><h2 data-toc-label="Rating boat loans" id="rating-boat-loans" class="toc-anchor">How we rate boat loans</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/how-we-rate-rv-and-boat-loans" rel="noopener" data-analytics-product-module="body_link">See our full ratings methodology for boat loans » </a></strong></p><ul><li><strong>Interest rate:</strong> We evaluate the interest rate range compared to other RV loan companies. The lower, the better. We look at how often the variable rate changes and what metric the changes are based off of.</li><li><strong>Term lengths:</strong> We see if the company has a variety of repayment term lengths, offering options for borrowers who want to pay off their loans quickly and save on interest, as well as borrowers who want to spread their costs over more years. We also examine if the company sets repayment terms or if the borrower is able to choose.</li><li><strong>Minimum and maximum loan amounts:</strong> We evaluate how much you can take out with each lender, and give higher marks for a wider range of amounts.</li><li><strong>Maximum boat age and permissible use:</strong> We determine the maximum age of the boat you purchase. We also see if the company will allow you to live in it full-time or if it only approves vehicles for recreational use.</li><li><strong>Fees:</strong> We give a company good ratings if it has no fees on its boat loans. If there is an origination or late fee, we consider how big of a fee it is, and we also check for prepayment penalties.</li><li><strong>Customer support:</strong> We review the different ways you're able to contact customer support. For instance, we look at if you can contact someone over the phone, via live chat, through email, or mail. We also review customer service hours and give high marks for companies that offer around-the-clock service.</li><li><strong>Ethics:</strong> We look into the company to see if there has been a scandal in the past 3 years. We research if the company is known for being racist, or sexist toward its customers or staff or have predatory lending practices. We also make note of the company's Better Business Bureau rating.</li></ul><h2 data-toc-label="Rating mortgage lenders" id="rating-mortgage-lenders" class="toc-anchor">How we rate mortgage lenders</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/how-we-evaluate-mortgage-lenders" target="_blank" rel="noopener" data-analytics-product-module="body_link">See our full ratings methodology for mortgage lenders »</a>  </strong></p><ul><li><strong>Loan types:</strong> We look at the types of mortgages a lender offers. If a lender offers a lot of options, we'll rate it more favorably. We look to see if the lender offers conforming, jumbo, FHA, and VA mortgages, since these are some of the most popular types of mortgages. Lenders receive higher ratings for offering less common types of mortgages in addition to more popular options. This includes USDA mortgages, home equity loans, home equity lines of credit, physician mortgages, home renovation loans, or specialty loans specific to the lender. We'll also look at whether the lender has both fixed- and adjustable-rate mortgages, and the term lengths it offers.</li><li><strong>Affordability:</strong> A lender will rank high in affordability if it offers lower-cost mortgage options and has flexible credit requirements. A lender that offers multiple government-backed mortgage options (including FHA, VA, and USDA mortgages) is ranked more favorably. These mortgages come with lower down payment requirements and are geared toward low- to middle-income individuals or those with lower credit scores. We'll also look at the lender's minimum down payment and credit score requirements for all of the loans it offers, whether it accepts non-traditional credit (such as rent or utility payment history) from borrowers who have no or poor credit, and if it accepts borrowers who have recent negative events on their credit reports. Then we'll find out if the lender offers any products specifically geared toward first-time or low-income borrowers, or if it has any other affordable features, such as down payment assistance or low fees.</li><li><strong>Customer satisfaction:</strong> We look to see if the lender appeared in the most recent J.D. Power US Primary Mortgage Origination Satisfaction Study, which surveys mortgage borrowers to gauge their satisfaction with their lender. If the lender was ranked in the survey, we'll look at whether it ranked above or below the industry average for customer satisfaction. We also look at online customer reviews.</li><li><strong>Trustworthiness:</strong> To evaluate a lender's trustworthiness, we look at its Better Business Bureau rating. If it earned a rating below an A+, we look at the BBB's reasons for that rating. Things like a high volume of customer complaints or government action against the lender can lead to a lower BBB grade. We also take into account any public controversies the lender has been involved in within the last 3 years.</li></ul><h2 data-toc-label="Rating credit-building products " id="rating-credit-building-products-" class="toc-anchor">How we rate credit-building products </h2><p><strong><a href="https://www.businessinsider.com/personal-finance/credit-score/methodology" data-analytics-product-module="body_link" rel="">See our full ratings methodology for credit products »</a> </strong></p><ul><li><strong>Trustworthiness</strong>: Where applicable, we confirm that companies are appropriately accredited. If no applicable accreditation exists, we expect them to belong to the appropriate trade associations and organizations. We also look at Better Business Bureau ratings, Trustpilot reviews from users, and whether there have been any lawsuits or scandals in recent years that potential customers should know about.</li><li><strong>Fee structure and affordability</strong>: We look at who pays for the service, how much, and how often. We also focus on value: what customers get in return. What kind of startup costs does the company charge? Is there any sort of free evaluation before committing? Once your period of service is complete, is any of the money you laid out returned? How clearly are the fees disclosed? We also look for money-back guarantees in cancellation policies.</li><li><strong>Features</strong>: Must-have features vary by type of product, but one consistency across any type of credit-building product is that it must have tri-bureau reporting, meaning it reports credit activity to all <a href="https://www.businessinsider.com/personal-finance/credit-bureau-experian-equifax-transunion" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="40" data-mrf-link="https://www.businessinsider.com/personal-finance/credit-bureau-experian-equifax-transunion">three major credit bureaus</a>.  Companies typically offer additional features to distinguish themselves from the competition, like educational resources, credit counseling, or ID monitoring. Sometimes, these features add significant value to the offering; sometimes, they're more flashy than they are useful, either because you don't truly need the service or because you can get a cheaper, better alternative elsewhere.</li><li><strong>Flexibility</strong>: How easy is it to sign up — and to cancel? What level of commitment is a user expected to provide? How much is the company customizing its offerings based on a user's needs?</li><li><strong>Availability</strong>: Who can use this product? Is it restricted by factors like location, income, or current credit score? Is it simply unaffordable for someone already in a difficult financial situation? When a customer needs help, what type of customer service is provided? How easy is it to access? What do current and former customers say about the help they received?</li></ul><h2 data-toc-label="Rating ID-protection products" id="rating-id-protection-products" class="toc-anchor">How we rate identity-protection products</h2><p><strong><a href="https://www.businessinsider.com/personal-finance/credit-score/methodology" data-analytics-product-module="body_link" rel="">See our full ratings methodology for ID-theft protection products »</a> </strong></p><ul><li data-toc-label="Provided features" id="provided-features" class="toc-anchor"><strong>Features</strong>: Most identity theft protection services will boast a long list of features that they provide. You will likely never notice some of these features running in the background, such as home title monitoring. Others, you'll be able to achieve for free elsewhere, such as <a href="https://www.businessinsider.com/personal-finance/credit-score/how-to-freeze-your-credit" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="60" data-mrf-link="https://www.businessinsider.com/personal-finance/credit-score/how-to-freeze-your-credit">credit freezes</a>. We also expect to see fraud resolution, dark web and court records monitoring, and credit monitoring capabilities.</li><li data-toc-label="Price of service" id="price-of-service" class="toc-anchor"><strong>Price</strong>: Ultimately, many identity theft protection services offer very similar features. Because so many services often perform very similar functions, the main distinguishing factor between these services is how much they cost. Many services will spread their array of features across different plans that get progressively more expensive the more protection they offer. We prefer services that include their entire catalog of features in one overarching plan.</li><li data-toc-label="Customer support " id="customer-support-" class="toc-anchor"><strong>Customer support</strong>: When we talk about customer support, we're looking aspects like cancellation policies, annual membership discounts, and free trials. We also look at a business's Better Business Bureau score to evaluate how they respond to customer complaints. We also look to see if there are any necessary qualifications to enroll in a service.</li></ul><h2 data-toc-label="Meet our team" id="meet-our-team" class="toc-anchor">Meet our team</h2><div class="horizontal-scroll"><table style="height: 4231px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px" class="table-content"><tbody class="table-content-body"><tr style="height: 489px;"><td style="width: 50%; height: 489px;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 601 / 801)"> <meta itemprop="contentUrl" content="https://i.insider.com/5bf47296bde70f68e16fd7b5"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/5bf47296bde70f68e16fd7b5":{"contentType":"image/png","aspectRatioW":801,"aspectRatioH":601}}" alt="libby kane 2"> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> Libby Kane. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Wini Lao </span> </figcaption> </span> </figure>  </td><td style="width: 50%; height: 489px;" class="headline-regular headline-semibold"><h3><a href="https://www.businessinsider.com/author/libby-kane" target="_blank" rel="noopener" data-analytics-product-module="tables">Libby Kane</a>, Executive Editor, Personal Finance </h3><p class="headline-regular">Libby Kane has been overseeing Business Insider's personal finance coverage since 2014. In 2019, she launched Personal Finance Insider, which incorporates affiliate and commerce partnerships into the news, insights, and advice about money Business Insider readers already know and love. She holds the Certified Financial Education Instructor (CFEI) certification issued by the National Financial Educators Council.</p></td></tr><tr style="height: 489px;"><td style="width: 50%; height: 489px;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 1992 / 2657)"> <meta itemprop="contentUrl" content="https://i.insider.com/612f9e8012b9cc001963aa38"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/612f9e8012b9cc001963aa38":{"contentType":"image/jpeg","aspectRatioW":2657,"aspectRatioH":1992}}" alt="Sarah Silbert, a white woman with brown hair, smiles at the camera in a formal headshot. She is wearing a black tank top and appears in front of a black background."> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> Sarah Silbert. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Courtesy of Sarah Silbert </span> </figcaption> </span> </figure> </td><td style="width: 50%; height: 489px;" class="headline-regular"><section class="body-regular "><h3><a href="https://www.businessinsider.com/author/sarah-silbert" target="_blank" rel="noopener" data-analytics-product-module="tables">Sarah Silbert</a>, Deputy Editor, Personal Finance</h3><p class="headline-regular">Sarah Silbert is the Deputy Editor at Personal Finance Insider. She oversees the vertical's guides and reviews, covering topics including banking, credit cards, insurance, investing, and mortgages. Her goal is to empower readers to make smart, informed financial decisions. She is also a Certified Educator in Personal Finance (CEPF).</p></section></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 3078 / 4096)"> <meta itemprop="contentUrl" content="https://i.insider.com/6537ec6496f7540cd0640a87"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/6537ec6496f7540cd0640a87":{"contentType":"image/jpeg","aspectRatioW":4096,"aspectRatioH":3078}}" alt="Photo of the author Katherine Fan"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Katherine Fan </span> </span> </figure> </td><td style="width: 50%;" class="headline-regular"><h3><a href="https://www.businessinsider.com/author/katherine-fan" data-analytics-product-module="tables" rel="">Katherine Fan</a>, Correspondent, Credit Cards</h3><p class="headline-regular">Katherine Fan is a Correspondent at Business Insider, responsible for credit card coverage on Personal Finance Insider. She is passionate about empowering people through personal finance and travel education.</p></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 1477 / 1970)"> <meta itemprop="contentUrl" content="https://i.insider.com/63e10ced0a08ae0018a6da28"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/63e10ced0a08ae0018a6da28":{"contentType":"image/jpeg","aspectRatioW":1970,"aspectRatioH":1477}}" alt="A photo of Personal Finance Editor Avril Ayers."> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Avril Ayers </span> </span> </figure> </td><td style="width: 50%;" class="headline-regular"><h3><a href="https://www.businessinsider.com/author/avril-ayers" data-analytics-product-module="tables" rel="">Avril Ayers</a>, Personal Finance Editor</h3><p class="headline-regular">Avril Ayers is an editor for Personal Finance Insider. They edit articles about people's lived experience with personal finance, covering topics like taxes, insurance, loans, saving and financial planning.</p></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 2808 / 3744)"> <meta itemprop="contentUrl" content="https://i.insider.com/638620cebf36eb001910dd1b"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/638620cebf36eb001910dd1b":{"contentType":"image/jpeg","aspectRatioW":3744,"aspectRatioH":2808}}" alt="Jennifer Streaks"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Jennifer Streaks/Insider </span> </span> </figure> </td><td style="width: 50%;" class="headline-regular"><h3><a href="https://www.businessinsider.com/author/jennifer-streaks" target="_blank" rel="noopener" data-analytics-product-module="tables">Jennifer Streaks</a>, Senior Personal Finance Reporter</h3><p class="headline-regular">Jennifer is an experienced reporter who has covered everything from budgeting to saving to investing. She is available as a guest, expert source, or smart voice for radio, print, podcasts, and television.</p></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 1737 / 2316)"> <meta itemprop="contentUrl" content="https://i.insider.com/6220c78b04579d001893ca43"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/6220c78b04579d001893ca43":{"contentType":"image/jpeg","aspectRatioW":2316,"aspectRatioH":1737}}" alt="Headshot of Molly Grace"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Molly Grace </span> </span> </figure> </td><td style="width: 50%;" class="headline-regular"><h3><a href="https://www.businessinsider.com/author/molly-grace" target="_blank" rel="noopener" data-analytics-product-module="tables">Molly Grace</a>, Mortgages Reporter</h3><p class="headline-regular">Molly Grace covers mortgage rates, refinance rates, lender reviews, and homebuying. Before joining the Business Insider team, Molly was a blog writer for Rocket Companies, where she wrote educational articles about mortgages, homebuying, and homeownership.</p></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 3216 / 4278)"> <meta itemprop="contentUrl" content="https://i.insider.com/61def05e1025b20018bb519b"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/61def05e1025b20018bb519b":{"contentType":"image/jpeg","aspectRatioW":4278,"aspectRatioH":3216}}" alt="Headshot of Paul Kim wearing a formal suit."> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Paul Kim </span> </span> </figure> </td><td style="width: 50%;" class="headline-regular"><h3><a href="https://www.businessinsider.com/author/paul-kim" target="_blank" rel="noopener" data-analytics-product-module="tables">Paul Kim</a>, Senior Associate Editor, Insurance</h3><p class="headline-regular">Paul Kim is a senior associate editor at Personal Finance Insider, covering insurance, including everything from auto and life insurance to pet insurance and travel coverage. </p></td></tr><tr style="height: 467px;"><td style="width: 50%; height: 467px;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 2087 / 2783)"> <meta itemprop="contentUrl" content="https://i.insider.com/612f9b9c9ef1e50018f9287b"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/612f9b9c9ef1e50018f9287b":{"contentType":"image/jpeg","aspectRatioW":2783,"aspectRatioH":2087}}" alt="Photo of Sophia Acevedo"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Sophia Acevedo </span> </span> </figure> </td><td style="width: 50%; height: 467px;" class="headline-regular"><h3><a href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" rel="noopener" data-analytics-product-module="tables">Sophia Acevedo</a>, Banking Editor </h3><p class="headline-regular">Sophia Acevedo is an editor at Business Insider who covers banking and savings. She joined Business Insider in July 2021 as a fellow for the Personal Finance Insider Reviews team.</p></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 1656 / 2208)"> <meta itemprop="contentUrl" content="https://i.insider.com/64d4dd5a48a88f001968ad43"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/64d4dd5a48a88f001968ad43":{"contentType":"image/jpeg","aspectRatioW":2208,"aspectRatioH":1656}}" alt="Tessa Campbell"> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> Profile pic of Tessa C. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Tessa Campbell phone </span> </figcaption> </span> </figure> </td><td style="width: 50%;" class="headline-regular"><h3><a href="https://www.businessinsider.com/author/tessa-campbell" data-analytics-product-module="tables" rel="">Tessa Campbell</a>, Investing Reporter</h3><p class="headline-regular">Tessa Campbell is a Junior Investing Reporter for Personal Finance Insider. She reports on investing-related topics like cryptocurrency, the stock market, and retirement savings accounts.</p></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold"> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 802 / 1079)"> <meta itemprop="contentUrl" content="https://i.insider.com/65a6ccbc43bb77284b9d6b28"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/65a6ccbc43bb77284b9d6b28":{"contentType":"image/png","aspectRatioW":1079,"aspectRatioH":802}}" alt="A person with a shaved head and black glasses smiles at the camera. They have a dark blue collared shirt on."> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> Kit Pulliam is a Personal Finance Insider editorial fellow. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Kit Pulliam </span> </figcaption> </span> </figure> </td><td style="width: 50%;" class="headline-regular"><h3><a href="https://www.businessinsider.com/author/kit-pulliam" data-analytics-product-module="tables" rel="">Kit Pulliam</a>, Banking Reporter</h3><p class="headline-regular">Kit Pulliam (they/them) is a banking expert who specializes in certificates of deposit, savings accounts, and checking accounts. They've been reporting, editing, and fact-checking personal finance stories for more than four years.</p></td></tr></tbody></table></div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?resize=1&ident=99&pub_inventory=personal-finance-editorial-standards-yourmoney" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> </section> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! 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