How we make money
Vistarates receives compensation from some of the companies whose products appear on this site. That compensation may take the form of a cost-per-action (for example, a funded credit card or bank account) or a cost-per-lead (for example, a mortgage inquiry). We may also receive advertising fees for placements that are clearly labeled as such.
Compensation may affect whether a product is eligible to appear and, in limited cases, where it sits in a commercial module. It does not change:
- The published rate, fee, or bonus numbers
- The verification date next to those numbers
- The credit score tier matching on the homepage and card pages
- Editorial recommendations in guides
Rankings
When we rank products, we use factors you can inspect: APY or APR, annual fee, bonus value after spend requirements, eligibility friction, and data freshness. We do not sell the #1 slot.
Credit score language
For fair and rebuilding credit tiers, call-to-action copy says "See if you prequalify" (or equivalent) rather than hard-sell "Apply now," because soft-pull prequalification reduces unnecessary hard inquiries.
Mortgage offers
Mortgage affiliate relationships, when live, are compensated on a per-lead basis only. We do not claim per-funded-loan pay for mortgages.
Independence
Vistarates is an independent comparison site operated by HeyLead LLC. We are not a bank, lender, credit card issuer, or financial advisor. Always read the provider's official terms before you apply.