ByTheMath — Financial Data. Ranked by Math. Not by Margin.
The ByTheMath network · Decided by math
Financial rankings. Decided by math. Not by margin.
ByTheMath builds data-driven financial sites for credit cards, savings & CD rates, and credit building. Every product is scored by the numbers — APY, fees, rewards, real-world value — never by who pays us. No institution has ever paid to appear or rank higher on any ByTheMath site. Some of our consumer sites earn affiliate commissions; it never changes the rankings.
Every ByTheMath site follows the same rule: rankings are determined by math, not by who pays us. No institution has ever paid to appear or rank higher on any ByTheMath property.
Every ranking, every score, every published rate follows the same rules — regardless of which institution it affects.
Math-based rankings
Every product gets a composite score calculated from verifiable data — APY, fees, minimums, flexibility. No editorial override. No commercial adjustment.
Commissions never change rankings
Our scoring is neutral. Some ByTheMath consumer sites earn affiliate commissions; it never changes which products appear or how they rank — and you can license the underlying data to verify.
Daily verification
An automated system checks every tracked product each morning. Rate changes are flagged, reviewed by a human, and confirmed before any update goes live.
Full rate history
Every confirmed rate change is logged permanently with a timestamp. The historical record is public — you can see exactly when every rate moved and by how much.
Source-verified data
Every rate, fee, and product detail is sourced from the institution’s own website with a URL on file. We don’t republish press releases or third-party feeds.
Plain language
No jargon-heavy copy written to sound authoritative. Scores are explained. Methodology is published. If something is unclear, that’s a bug we want to fix.
ByTheMath API · For builders
The neutral data behind the rankings.
Every ranking on the network runs on one scoring engine — products scored purely by the numbers, never by who pays. That dataset is available to license: clean, structured, affiliate-free financial data for the teams building the next comparison tool, budgeting app, or AI assistant. The neutrality isn’t a slogan — it’s a product you can audit.
Credit cards
400+ cards scored: earn rates by category, annual-fee value, signup bonuses, transfer partners, and real-world rewards value. The hardest consumer-finance data to compile — kept current daily.
Savings, CDs & checking
HYSA, CD, money-market and reward-checking rates across hundreds of institutions — verified daily against source, with effective yield and credit-union eligibility decoded.
Credit building
Secured cards and credit-builder products scored on real cost, graduation path, and bureau reporting — the products traditional data feeds ignore.
Affiliate-free
Most card and rate data in the wild is tilted by affiliate payouts. Ours isn’t — and you can verify it against the raw scores.
Verified daily
Every rate is checked against the institution’s own page, with the date attached. No stale, scraped-and-forgotten feeds.
Built for machines
Structured, scored, and ready for a recommendation engine — or an LLM answering “best card for X.”
