67-Score Methodology
Last reviewed May 13, 2026
What the 67-Score measures
The 67-Score is a single number from 0 to 5 that summarizes how well a credit card serves a young adult with average spending habits. Higher scores indicate better all-around value for our audience.
The five criteria
| Criterion | Weight | What we measure |
|---|---|---|
| Rewards value | 30% | Estimated annual rewards based on $2,500/month benchmark spend |
| Fees and costs | 25% | Annual fee, foreign transaction fees, penalty APR |
| Welcome bonus | 15% | Dollar value relative to spending requirement |
| Benefits and perks | 15% | Travel insurance, purchase protection, cell phone coverage, lounge access |
| Accessibility | 15% | Credit score requirement, approval likelihood for young adults |
How it works
Each criterion is scored 0 to 5 independently, then multiplied by its weight. The weighted scores are summed to produce the final 67-Score.
Example: Apple Card
- Rewards: 3% on Apple, 2% Apple Pay, 1% else = ~$450/yr on benchmark spend = 3.0/5
- Fees: $0 annual fee = 5.0/5
- Welcome bonus: None = 0.0/5
- Benefits: Daily Cash, no foreign transaction fees = 3.0/5
- Accessibility: Good credit needed = 3.0/5
- 67-Score: 0.30(3.0) + 0.25(5.0) + 0.15(0.0) + 0.15(3.0) + 0.15(3.0) = 0.9 + 1.25 + 0 + 0.45 + 0.45 = 3.1/5
Editor overrides
In rare cases, our editor may override the algorithmic score when the formula does not capture qualitative factors (e.g., exceptional customer service, ecosystem value). Overrides are documented per card.
Updates
Scores are recomputed quarterly and whenever card terms change materially.