product_id,provider,product_name,category,subcategory,apy,apr,annual_fee,monthly_fee,editorial_score,last_verified,source_url
hysa-ally,Ally Bank,Online Savings Account,banking,high-yield-savings,3.20% (accurate as of 10/29/2026),,,$0,85,2026-10-29,https://www.ally.com/bank/savings-account-rates/
hysa-amex,American Express,High Yield Savings Account,banking,high-yield-savings,3.20% (accurate as of 10/29/2026),,,$0,82,2026-10-29,https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings-account/
hysa-cit-platinum-savings,CIT Bank,Platinum Savings,banking,high-yield-savings,"3.75% on balances of $5,000 or more; 0.25% on balances below $5,000",,,$0,88,2026-10-29,https://cit.com/cit-bank/bank/savings/platinum-savings-account
hysa-capitalone-360,Capital One,360 Performance Savings,banking,high-yield-savings,3.20% (effective 10/29/2026),,,$0,84,2026-10-29,https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/
hysa-marcus,Marcus by Goldman Sachs,High Yield Online Savings,banking,high-yield-savings,3.50%,,,$0,87,2026-10-29,https://www.marcus.com/us/en/savings/high-yield-savings
hysa-sofi,SoFi,Checking and Savings (savings),banking,high-yield-savings,"3.30% with eligible direct deposit or $5,000+ in qualifying deposits per 31 days; 0.80% without",,,$0,84,2026-10-29,https://sofi.com/banking/
hysa-synchrony,Synchrony Bank,High Yield Savings,banking,high-yield-savings,3.75%,,,$0,92,2026-10-29,https://www.synchrony.com/banking/products/high-yield-savings
hysa-wealthfront-cash,Wealthfront,Cash Account,banking,high-yield-savings,"3.55% base APY (as of 09/18/2026, not promotional)",,,$0,89,2026-10-29,https://support.wealthfront.com/hc/en-us/articles/360043680212-Interest-rate-for-Cash-Accounts
cc-amex-bce,American Express,Blue Cash Everyday,credit-cards,cash-back,,0% intro APR for up to 18 months on purchases and balance transfers (duration personalized — apply to learn yours); then variable,$0,,85,2026-10-05,https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/
cc-amex-gold,American Express,Gold Card,credit-cards,travel,,Charge card — no purchase APR (Pay Over Time APR 19.74%–28.74% if eligible),$325,,89,2026-10-22,https://www.americanexpress.com/us/credit-cards/card/gold-card/
cc-bofa-bankamericard,Bank of America,BankAmericard Credit Card,credit-cards,balance-transfer,,0% intro APR for 21 billing cycles on purchases and balance transfers made within 60 days; then 15.24%–26.24% variable,$0,,84,2026-10-29,https://www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/
cc-capone-quicksilver,Capital One,Quicksilver Cash Rewards,credit-cards,cash-back,,0% intro APR for 15 months on purchases and balance transfers; then 18.49%–28.49% variable,$0,,86,2026-10-05,https://www.capitalone.com/credit-cards/preapprove/lp/sem/quicksilver/
cc-capone-venture,Capital One,Venture Rewards,credit-cards,travel,,19.49%–28.49% variable; no intro APR,$95,,87,2026-10-22,https://www.capitalone.com/credit-cards/venture/
cc-capone-venture-x,Capital One,Venture X Rewards,credit-cards,travel,,Variable APR (exact range not published on rendered official pages); no intro APR stated,$395,,89,2026-10-22,https://www.capitalone.com/credit-cards/venture-x/
cc-chase-freedom-unlimited,Chase,Freedom Unlimited,credit-cards,cash-back,,0% intro APR for 15 months on purchases and balance transfers; then 18.49%–27.99% variable,$0,,87,2026-10-05,https://creditcards.chase.com/cash-back-credit-cards/freedom
cc-chase-sapphire-preferred,Chase,Sapphire Preferred,credit-cards,travel,,19.49%–27.74% variable; no intro APR,$95,,88,2026-10-22,https://creditcards.chase.com/rewards-credit-cards/sapphire
cc-chase-sapphire-reserve,Chase,Sapphire Reserve,credit-cards,travel,,19.74%–28.24% variable; no intro APR,$795 ($195 per authorized user),,90,2026-10-22,https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
cc-citi-double-cash,Citi,Double Cash Card,credit-cards,cash-back,,0% intro APR for 18 months on balance transfers; then 18.49%–28.74% variable on balance transfers (purchase APR not published on issuer page),$0,,90,2026-10-05,https://www.citi.com/credit-cards/citi-double-cash-credit-card
cc-citi-simplicity,Citi,Simplicity Card,credit-cards,balance-transfer,,0% intro APR for 18 months on purchases AND balance transfers; then 17.74%–28.49% variable,$0,,84,2026-10-29,https://www.citi.com/credit-cards/citi-simplicity-credit-card
cc-citi-diamond-preferred,Citi,Diamond Preferred Card,credit-cards,balance-transfer,,0% intro APR for 12 months on purchases and 21 months on balance transfers; then 16.74%–27.49% variable,$0,,85,2026-10-29,https://www.citi.com/credit-cards/citi-diamond-preferred-credit-card
cc-wf-active-cash,Wells Fargo,Active Cash Card,credit-cards,cash-back,,"0% intro APR for 12 months on purchases and qualifying balance transfers; then 18.74%, 24.74%, or 28.74% variable",$0,,89,2026-10-05,https://creditcards.wellsfargo.com/active-cash-credit-card/
cc-wf-reflect,Wells Fargo,Reflect Card,credit-cards,balance-transfer,,"0% intro APR for 21 months on purchases and qualifying balance transfers (within 120 days); then 17.74%, 24.24%, or 28.49% variable",$0,,86,2026-10-05,https://creditcards.wellsfargo.com/reflect-visa-credit-card/
ins-banner-term,Banner Life,Term Life Insurance,insurance,term-life,,,,,88,2026-10-05,https://www.bannerlife.com/life-insurance/term
ins-massmutual-term,MassMutual,MassMutual Term,insurance,term-life,,,,,80,2026-10-05,https://www.massmutual.com/insurance/life-insurance/term-life
ins-new-york-life-term,New York Life,Level Term / Yearly Renewable Term,insurance,term-life,,,,,82,2026-10-05,https://www.newyorklife.com/products/insurance/term-life
ins-northwestern-mutual-term,Northwestern Mutual,Level Term 10 / Level Term 20 / Annually Renewable Term,insurance,term-life,,,,,84,2026-10-05,https://www.northwesternmutual.com/life-insurance/term-life-insurance/
ins-pacific-life-promise,Pacific Life,PL Promise Term,insurance,term-life,,,,,78,2026-10-05,https://www.pacificlife.com/home/individuals/life-insurance/term-life-insurance.html
ins-protective-term,Protective Life,Classic Choice Term,insurance,term-life,,,,,92,2026-10-05,https://www.protective.com/what-we-offer/life-insurance/term/classic-choice
ins-state-farm-select-term,State Farm,Select Term Life Insurance,insurance,term-life,,,,,86,2026-10-05,https://www.statefarm.com/insurance/life/term-life
ins-usaa-eagle-express,USAA,Eagle Express Term Life Insurance,insurance,term-life,,,,,90,2026-10-05,https://www.usaa.com/insurance/life/term/
loan-discover-personal,Discover,Personal Loans,loans,personal-loans,,6.99%–24.99%,,,86,2026-10-05,https://www.discover.com/personal-loans/
loan-happen-personal,Happen (formerly LendingClub),Personal Loans,loans,personal-loans,,5.96%–35.99% (advertised rates valid as of 07/06/2026; subject to change),,,78,2026-10-05,https://www.happen.com/personal-loan
loan-lightstream,LightStream (Truist),Personal Loans,loans,personal-loans,,9.99%–24.94% with AutoPay (varies by purpose); maximum APR 25.44%,,,84,2026-10-05,https://www.lightstream.com/
loan-prosper-personal,Prosper,Personal Loans,loans,personal-loans,,8.99%–35.99%,,,72,2026-10-05,https://www.prosper.com/personal-loans
loan-sofi-personal,SoFi,Personal Loans,loans,personal-loans,,6.99%–35.49% fixed (includes 0.25% autopay + 0.25% member discount; as of 10/5/26),,,90,2026-10-05,https://www.sofi.com/personal-loans/
loan-upgrade-personal,Upgrade,Personal Loans,loans,personal-loans,,7.74%–35.99%,,,74,2026-10-05,https://www.upgrade.com/personal-loans/
loan-wells-fargo-personal,Wells Fargo,Personal Loan,loans,personal-loans,,As low as 6.74% (upper bound not published; rates as of 07/10/2026),,,80,2026-10-05,https://www.wellsfargo.com/personal-loans/