Every CMS score out of 10 is built from five weighted pillars. No bank pays for placement, the weighting is public, and the model runs before any commercial data — so you can check our work.
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The scoring model is computed from card terms alone, before any affiliate relationship is attached. Commission rates are not a variable in the formula, our top picks routinely include cards we earn nothing from, and the full weighting above is published so anyone can reproduce the result. If we ever change a weight, we change it for every card at once — never for one deal.