Fioney Review Methodology

Fioney Review Methodology

Our goal is to provide readers with the best possible information to help them determine whether an app, card, account, etc. is a good fit for them.

Fioney reviews a number of products and services ranging from FinTech apps and cashback tools to credit cards and banking accounts, as well as small business software and services. For many, we’ve assigned ratings to help readers better understand our overall thoughts. These ratings can change over time as these services evolve or as the landscape shifts around them.

Since launching in 2015 (rebranding in 2023), Fioney has reviewed numerous applications, accounts, and products. Given this experience, our reviews are thoroughly researched and put the products in the context of what else is available in the market. Moreover, reviews are regularly updated as changes to the core products are made.

Why You Can Trust Fioney: Disclosures and Acknowledgments

At Fioney, our reviews come from hands-on experience with the products and services. In the rare instances where a feature or service cannot be personally tested, this is clearly disclosed in the review itself. Additionally, where applicable, the word “overview” may be used instead of “review” when the information shared comes from another source and not from direct experience with the product.

Fioney does not currently accept sponsored review posts and all opinions shared are solely those of the author. While Fioney does maintain some affiliate relationships, these are also clearly disclosed to readers and do not have any influence on our reviews or ratings.

What Our Ratings Mean

Broadly speaking, our ratings indicate overall sentiments about a product or service. These can be interpreted as such:

  • 5 stars: An excellent option with numerous upsides.
  • 4 stars: A great pick with a minor flaw or two.
  • 3 stars: A good option that either has some key downsides or falls short of other available products.
  • 2 stars: A severely flawed product that shows promise or has at least one stellar feature.
  • 1 star: Not recommended

In addition to a numerical rating, each review includes a list of pros and cons to give consumers a better idea of what the reviewed item has to offer. Furthermore, a summary paragraph can help readers determine whether a certain product or service is right for them even if our reviewer was bearish.

Rating Factors

While our reviews and ratings remain highly subjective, there are a number of factors that are considered when giving a grade. Some examples include:

Banking accounts:

  • Fees
  • APY/Rewards
  • Requirements for earning APY
  • Features
  • Ease of use

Credit card:

  • Rewards
  • Annual fee
  • Redemption options and rates
  • Benefits and perks

Cashback portals:

  • Retailers available
  • Rates offered
  • Cashout threshold
  • Ease of use


  • Fees/value proposition
  • Ease of use
  • Features
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