FinRateHub provides free financial content, guides, reviews, and tools to help people make smart decisions about credit cards, banking, debt, and personal finance. Our mission is to offer clear, accurate, and unbiased information that anyone can use at no cost. To support the work it takes to create and maintain this content, FinRateHub earns revenue in several transparent ways.

This page explains exactly how we make money, how affiliate partnerships work, and how we keep our content independent and trustworthy.

1. Affiliate Links

Some of the links on our website are affiliate links. This means if you click a link or apply for a financial product through one of our partners, we may earn a commission. These commissions come at no cost to you.

Important facts about affiliate links

  • You never pay anything extra
  • Our partners do not influence our rankings or opinions
  • We do not promote products solely for compensation
  • We only recommend products we believe offer real value
  • Using our affiliate links helps support the site

We are transparent about affiliate relationships and disclose them clearly on pages where they appear.

2. Financial Partnerships

FinRateHub may work with trusted financial companies, banks, and credit card issuers to provide up to date product information. These relationships help ensure accuracy and fast updates when offers change.

These partnerships do not affect:

  • Our editorial process
  • The way we rate products
  • The order of recommendations
  • The content we write

Editorial independence always comes first.

3. Sponsored Content (When Clearly Labeled)

On rare occasions, we may publish sponsored content. This content will always:

  • Be clearly labeled as sponsored
  • Be written with full transparency
  • Follow our editorial guidelines
  • Offer real value to readers

We do not hide sponsored content or disguise ads as editorial reviews.

4. No Pay to Play

FinRateHub does not accept:

  • Payments for higher rankings
  • Payments to bias reviews
  • Payments to include products
  • Payments for guaranteed positive coverage

If a product is not good for consumers, we will say so honestly regardless of compensation opportunities.

5. Our Editorial Independence

Our editorial team operates separately from our business and partnership teams. This means:

  • Writers and editors do not know which companies pay commissions
  • Decisions are made based solely on value to the reader
  • Reviews and guides are created using our independent Review Methodology
  • We do not allow advertisers to edit or approve editorial content

Our commitment is always to the reader first.

6. Why We Use Affiliate Partnerships

Running a high quality finance website requires:

  • Research
  • Writers and editors
  • Hosting
  • Tools and software
  • Testing and reviews
  • Content updates

Affiliate earnings allow us to:

  • Keep content free
  • Publish new articles regularly
  • Maintain accurate product information
  • Invest in better tools and research

Your support through affiliate links helps us grow while staying free to use.

7. How We Choose Products to Feature

Products are selected based on:

  • Overall consumer value
  • Rewards potential
  • Fair fees
  • Approval accessibility
  • Transparency of terms
  • Real world usefulness

We do not select products based on payout size. In fact, many of the products we recommend offer no affiliate commission at all. If a card, account, or financial tool is genuinely useful, we include it whether it makes money or not.

8. You Are Our Priority

Our goal is to help you:

  • Build credit
  • Choose the right financial products
  • Understand your options
  • Avoid unnecessary fees
  • Make confident financial decisions

We do not recommend products that are harmful, misleading, or overpriced.

Every recommendation is based on what is best for the reader, not what pays the most.

9. Transparency Is Part of Our Mission

We believe transparency builds trust. That is why we created this page and why we disclose affiliate links on individual articles when applicable.

You should always know:

  • How a website makes money
  • Whether links influence recommendations
  • Whether content is sponsored

FinRateHub is committed to being one of the most transparent finance websites online.

Final Thoughts

FinRateHub earns money mainly through affiliate links and partnerships that help support the creation of free, high quality financial content. However, compensation never affects our opinions, rankings, or editorial decisions.

We will always remain:

  • Independent
  • Honest
  • Transparent
  • User focused

Thank you for trusting FinRateHub. Your support helps us continue providing valuable guidance and tools that help people make smarter financial choices.