What we evaluate
For each credit card we evaluate seven dimensions: airline transfer coverage, hotel program coverage, business-class redemption value, luxury travel value, beginner friendliness, premium-traveller value, and overall reward density.
How we source data
- Official issuer T&C documents and product disclosures
- Public airline and hotel award charts
- Verified member submissions, cross-checked against issuer sources
- Editorial research on real-world redemption sweet spots
How scoring works
Each card is run through our open scoring engine. Inputs include reward rate, transfer-partner breadth, premium-cabin redemption value, lounge access, forex markup, milestones and joining benefits. Weights are configurable per use case (e.g. business class vs. hotels vs. beginner).
Every score exposes why it scored that way — strengths, weaknesses and the factors that drove the rank. See the scoring explanation for the full breakdown.
What we never do
- We never accept payment to alter a score or ranking.
- We never invent benefits, sweet spots or partner relationships.
- We never use AI to fabricate offers or testimonials.
Updates & corrections
Card terms change. When an issuer revises a benefit, we update the underlying data and the score updates deterministically. Spot an error? Email editorial@luxmilesclub.com — we publish corrections within 48 hours.