Best Financial Products of 2025 - NerdWallet

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Our team of experienced finance writers and editors researched 1,000+ financial products, narrowing down to just one winner per category — so it’s easy to choose the right one for you.

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44 writers worked on the 2025 Best-Of Awards, researching top financial products for hundreds of hours — so you don’t have to.

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Frequently asked questions

NerdWallet's award winners are chosen through a rigorous evaluation process involving 44 writers and editors. NerdWallet's ratings formulas for credit cards, for example, consider the type of card being reviewed (such as cash back, travel, or balance transfer) and the card's rates, fees, rewards, and other features. For mortgages, we evaluate loan average rates and fees, loan types and products, online rate information, ease of application and other factors. For more info, see our methodologies.

Our team of nerdy experts is composed of writers and editors — based all across the country — who have a combined 546 years of journalistic experience reviewing and writing about personal finance products for consumers.

Yes. Writers and editors use comprehensive scoring formulas that assess each financial product’s key features, weighting them according to their importance to consumers.

Nope. Editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Only products that meet the editorial team’s standards appear in our Best-Of Awards lists, meaning no company can “buy” an award.

Our Best-Of Awards are given annually to the top financial products on the market. Our other “best” articles may:

• be longer than our Best-Of Awards list
• offer additional consumer choices
• get updated as products change or are discontinued and as new products emerge

This year's Best-Of-Awards list winners were chosen in mid-October 2024.

Frequently asked questions

NerdWallet's award winners are chosen through a rigorous evaluation process involving 44 writers and editors. NerdWallet's ratings formulas for credit cards, for example, consider the type of card being reviewed (such as cash back, travel, or balance transfer) and the card's rates, fees, rewards, and other features. For mortgages, we evaluate loan average rates and fees, loan types and products, online rate information, ease of application and other factors. For more info, see our methodologies.

Our team of nerdy experts is composed of writers and editors — based all across the country — who have a combined 546 years of journalistic experience reviewing and writing about personal finance products for consumers.

Yes. Writers and editors use comprehensive scoring formulas that assess each financial product’s key features, weighting them according to their importance to consumers.

Nope. Editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Only products that meet the editorial team’s standards appear in our Best-Of Awards lists, meaning no company can “buy” an award.

Our Best-Of Awards are given annually to the top financial products on the market. Our other “best” articles may:

• be longer than our Best-Of Awards list
• offer additional consumer choices
• get updated as products change or are discontinued and as new products emerge

This year's Best-Of-Awards list winners were chosen in mid-October 2024.

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NerdWallet is not an investment advisor and does not provide investment advice. The list provides information and education for potential investors. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise that investors buy or sell particular stocks or securities.