Found! Your results

Cards from

View more

Start comparing

The lowdown on Finder Score

The Finder Score helps you sort the junk from the gold so you can compare products faster.

Each month we carefully analyse over 250 credit card products and assess nine features and benefits of each card.

We assign scores out of 10 for each feature, and adjust the scores depending on what category we're looking at.

Credit card scores are category-specific (e.g. low rate, balance transfer). The same card will receive a different score within each category, depending on the features being assessed. This methodology ensures a fair and relevant evaluation of each card.

Remember that Finder Score is just one factor to consider. Look at other aspects like fees, features, benefits and risks to make sure a product is suitable for you. Double-check details that matter to you before applying or buying.

To qualify for this category, credit cards must:

  • Offer some form of cashback on spending. Where cashbacks are based on a % value of spend, we use an average monthly spend derived from the RBA.

The Finder Score methodology is designed by our insights and editorial team. Commercial partners carry no weight, and all products are reviewed objectively.

Remember that Finder Score is just one factor to consider. Look at other aspects like fees, features, benefits and risks to make sure a product is suitable for you. Double-check details that matter to you before applying or buying.

Cashback credit cards - score weightings

FeatureDefinitionAssessmentWeight
Cashback ValueThe value of cash returned per dollar spentHigher cashback rewards result in higher scores60%
Purchase RateInterest rate on new purchasesLower rates receive higher scores (up to 21.24% max)15%
First-Year FeeFee charged for the first year of card ownershipLower fees receive higher scores ($0 fee scores highest)10%
Ongoing Annual FeeFee charged from the second year onwardsLower fees receive higher scores ($0 fee scores highest)5%
Earn RatePoints earned for every dollar spent on eligible purchasesPoints awarded per dollar (up to 1.5)2%
Balance Transfer Intro PeriodThe length of the balance transfer periodLonger periods are awarded higher scores2%
Balance Transfer Intro RateThe rate applied to balance transfersLower rates receive higher scores (up to 21.99% max)2%
Balance Transfer Revert RateThe interest rate charged after the BT period endsLower rates receive higher scores (up to 22.24% max)2%
Travel InsuranceTravel insurance offered with cardCards that include travel insurance receive the full 10 points2%

Breaking down the score tiers

  • 9+ Excellent - These cards offer the highest cash returns with the lowest interest rates.
  • 7+ Great - Reasonable ongoing purchase rates and cashback offers.
  • 5+ Satisfactory - These cards offer some value in return for spending.
  • Less than 5 – Basic - These are generally cards targeted at a consumer segment, with cashback as a feature.

More guides on Finder

Go to site