How We Score Products

Luminxo uses a multi-factor scoring engine to rank financial products based on your unique profile.

Scoring Factors

• Reward Value — Annual dollar value of rewards based on your actual spending patterns.
• Fee Impact — Net cost after factoring annual fees against rewards earned.
• Credit Eligibility— Likelihood of approval based on your credit score and the card's typical approval range.
• Category Alignment— How well a card's bonus categories match your spending habits.
• Sign-Up Bonus — First-year value including introductory offers.

Transparency

Scores are calculated algorithmically. Affiliate relationships do not influence rankings. Every recommendation is based on the same objective criteria.