Lucas researches and writes the credit card guides on this site. His background is in independent research into how credit products are structured, priced, and marketed in the U.S. — reading issuer terms and conditions the way an academic reads a primary source, rather than relying on secondhand comparisons. That habit carries over directly into every guide here: before a ranking gets published, the underlying rates, fees, and welcome offers are pulled from the issuer’s own pages and checked against what was published last time. Learn more about the site’s approach on the About Us page.