Methodology
How cards are compared.
The rules behind the rankings, including how unknown values and sponsored placements are handled.
Claimed vs tested FX fee
Each card can carry two FX figures: the fee the provider claims, and the spread measured in a live spend test. Review pages label which one you are looking at, so a claimed number is never presented as a tested one.
Unknown fees are shown as unknown
When a provider does not publish its FX fee and no test figure exists, the site shows an 'FX fee: Not published' warning instead of a number. An unknown fee is never displayed as 0%, and it is left out of quick answers, FAQs and structured data rather than estimated.
Unrated cards stay unrated
Cards without an editorial score are labelled 'Not rated yet'. A missing rating sorts to the bottom of ranked lists and is excluded from averages and ranking math, instead of being treated as a zero.
Sponsored placements are separate from rank
Sponsored and featured cards are visually labelled and placed in designated slots. Sponsorship does not change a card's rank, score or verdict, and sponsored positions are marked as such wherever they appear.
Updated dates on every card
Cards carry a last-verified date showing when their details were most recently checked. That date is shown on review pages and used in structured data, so readers and search engines can see how current the information is.
On affiliate links
Some outbound links are affiliate links, which is how this site is funded. Affiliate relationships do not change ranks, scores or verdicts, and cards without any commercial relationship appear in the same tables as cards that have one.