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LAST UPDATED: March 19th, 2021

WalletHub is a financial education website that was launched in 2013 and is owned by Evolution Finance, Inc. The parent company was founded in 2008 and is headquartered in Washington, DC. WalletHub is not a credit card lender and does not offer any other financial products and services of its own for consumers. However, WalletHub provides updated information on current credit card offers in the marketplace, as well as free financial literacy resources and tools.

Top Ranked Companies


The Good

  • Numerous credit card listings
  • Credit scores and reports
  • Financial resources and tools

Numerous Credit Card Listings

WalletHub provides numerous listing offers from various credit card companies in the marketplace. Consumers can narrow down the available choices to better match their own credit history ratings and desired benefits, interest rates, and reward options. Additional search filters include smart chip technology, finance fees, and credit card companies. Detailed descriptions and user reviews are provided regarding each credit card offering listed on the website. Consumers can also browse offers on various other financial products and services.

Credit Scores and Reports

Consumers are able to access their personal TransUnion credit score and a complete credit history report through the company's website at no cost. Credit scores come with 24/7 credit monitoring that alerts consumers immediately of any potential changes. Credit scores and reports are updated by WalletHub on a daily basis. Credit reports offer a detailed analysis with customized suggestions and tips for improving the current credit score in the future. Credit inquiries made by the company will not affect the consumer's credit score in any way and consumers do not need to supply any credit card information to obtain their credit history information.

Financial Resources and Tools

WalletHub provides an extensive library of finance articles and case studies on its website for consumers. Consumers can also test their overall financial literacy knowledge through the Wallet Literacy service at no cost. WalletHub also provides various calculators and answers to commonly asked questions. Consumers can post any questions they have directly to financial experts regarding any financial topic on the website's forum. The company also offers a mobile app that can be downloaded on any mobile device.


The Bad

  • Limited customer service assistance
  • Limited financial information
  • Company service limitations

Limited Customer Service Assistance

WalletHub does not offer any telephone information for consumers to be able to speak with a customer service representative. There is no live chat feature on the website either. Consumers are only able to contact the company by email and may have to wait for a short period of time to receive a response.

Limited Financial Information

WalletHub does not provide any personal budgeting information, tools, or resources. Credit scoring information is obtained from only one credit reporting agency source and may not provide a complete picture of a consumer's overall credit history. Most credit card lenders use a FICO credit scoring model that differs from the credit scoring WalletHub provides. Many current financial products and services available in the marketplace are not featured on the company's website.

Company Service Limitations

WalletHub is not a credit card lender itself and does not offer any other lending services. Customers must sift through the available credit card offers from various industry companies using search filters to narrow down the options. However, this can be overwhelming and time-consuming and customers must still visit the website they are interested in separately to apply for credit card eligibility. Credit card offer information provided on the WalletHub website is not guaranteed to be accurate. Consumers should double-check all terms and conditions with the credit card company of any available offers they are interested in.


The Bottom Line

WalletHub is a free informational website for consumers that provides detailed information on a comprehensive range of financial products and services currently in the marketplace. The company is not a credit card lender nor does it offer any other financial products or service of its own. Consumers can browse hundreds of credit card offerings that are updated on a daily basis and get detailed product descriptions of each card's benefits and features. Consumers are also able to find out what other consumers have to say about each credit card offering through user reviews posted on each listing.

WalletHub also provides free credit scores, monitoring, and reports for consumers. Once consumers find credit card offers they are interested in, they will have to visit each credit card company's website to apply for approval. This can be a time-consuming and overwhelming process for some consumers. Consumers are not able to speak with a customer service representative by phone for any needed assistance. WalletHub is best suited for consumers who may need extra assistance in researching credit card offers that fit their unique financial situations.

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