Finance· 4 products
Best car insurance providers
Four national insurers compared on cover, claims handling, discounts and who they actually price well for.
8.8
Top pick
Amica Auto Insurance
Quote-based
Best credit cards by use case
A framework for matching card structures to spending patterns instead of chasing headline sign-up offers.
Research in progressPublished rankings appear only after testing is complete.
When you buy through links on THRYV we may earn a commission. This never affects our testing or rankings. How this works.
Our picks
Nothing published until testing is finished.
A card is only good relative to how you use it. We group by use case — everyday spending, balance transfer, travel, building credit — and score each card against the published terms and conditions, not the marketing page. Sign-up bonuses are treated as one-off value and amortised, never as the headline.
Finance· 4 products
Best cashback credit cards
Four no-annual-fee cards compared on the earn rate you will actually get, foreign fees and the conditions attached.
8.9
Top pick
Chase Freedom Unlimited
$0 annual fee
Finance· 4 products
Best high-yield savings accounts
Where to park an emergency fund: four no-fee savings accounts compared on access, protection and the tooling around them.
9.1
Top pick
Marcus by Goldman Sachs Online Savings Account
No fees
Finance· 4 products
Best online bank accounts
Four everyday accounts compared on fees, ATM access, deposit protection and what happens when something goes wrong.
9.0
Top pick
Ally Bank Spending Account
No monthly fee
What we score, and why
Written down before any product is considered.
- Representative APR and how it is applied to purchases and transfers
- Annual fee weighed against realistic annual benefit
- Reward structure, caps, expiry and redemption friction
- Foreign transaction and cash-advance charges
- Consumer protections attached to the card scheme
- Eligibility transparency and soft-search availability
How we will decide
- 01
Criteria before candidates
We write down what would make a product the right pick — and how each criterion is measured — before we look at what is on sale.
- 02
Documented specifications only
Anything we state about a product comes from our own testing or from the manufacturer's published documentation, linked on the page.
- 03
Real-world testing
Where a category can be tested, we test it over weeks rather than an unboxing session, and we publish the conditions we tested under.
- 04
Pricing checked, not quoted
We do not print a price we have not verified, and we do not treat an RRP as evidence of a discount.
- 05
Commercial relationships disclosed
Affiliate links, if present, are labelled on the page. No partner can buy a placement, a rank or a verdict.
The full process is documented in our review methodology and testing process.
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Other guides in this desk
Best high-yield savings accounts
A rate-and-terms comparison of deposit accounts, with the fee and access conditions that decide the real return.
Best brokerage accounts
How to compare commissions, spreads, account minimums, custody protections and platform limitations.
Best mortgage lenders
What to compare across lenders once you look past the advertised rate: fees, timelines and disclosure quality.
Best online banks
Deposit insurance, transfer limits, service quality and rate consistency over time.
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