About Modern Wealth Tech Guide
We run two desks: US credit cards, and the real cost of owning and driving a car — especially an electric one. No broad personal-finance feed, no investing primers, no insurance picks. Two categories, covered with real depth.
What we cover
The credit-card desk covers consumer and small-business cards issued in the United States: sign-up bonuses, balance-transfer math, annual-fee break-evens, category multipliers, transfer-partner valuations, business-card expense management.
The auto & EV desk covers what driving actually costs: federal and state EV tax credits and rebates, home-charger installation math, charging-network price comparisons, battery degradation and resale value, EV insurance premiums, and the ownership economics of driving for Uber or Lyft.
We chose narrow lanes on purpose. Both categories change fast — Chase tweaks Sapphire Preferred earnings, a state quietly exhausts its rebate fund, a charging network reprices overnight. Covering everything from mortgages to crypto means missing those changes. We’d rather track two categories accurately than skim ten badly.
Why this site exists
The big affiliate sites — NerdWallet, The Points Guy, Bankrate — do good work, but their incentives push them toward broad rankings (“Best Travel Card 2026”) that have to please every reader. That format hides the trade-offs. Our editorial bias is the opposite: tell you the one specific situation a card actually wins in, and what it loses if you’re not in that situation.
So instead of “Best Cash Back Card,” you’ll see “Blue Cash Preferred only pays off above ~$4,200 in annual grocery spend — here’s the math.” The math may or may not point at your situation. That’s the point.
How we evaluate the numbers
Every article goes through the same checks before it publishes:
- Primary source first. APRs, fees, bonus offers, and earn rates come from the issuer’s official application page or rate-and-fee schedule; tax-credit rules come from the IRS and state program pages; electricity rates come from the utility’s published tariff — not from secondary roundups. The state of that page at the time of writing is the cited source.
- Real math, with assumptions stated. We don’t say “earn big rewards.” We say “$2,800 in Year-1 value at $20,000 grocery spend; the $95 annual fee starts mattering below $4,200 in groceries.” Spend assumptions are listed so you can swap your own numbers.
- Disclosed limits. Welcome-offer eligibility windows, 5/24 rules, family-restriction language — if a friction matters, we name it. We won’t bury “this bonus is once per lifetime per Social Security number” in fine print.
- What we’d skip. Every review has a section telling you who shouldn’t bother with the card. AI-generated content almost never does this. We do it deliberately.
Who writes the articles
Articles carry the byline of John Park, the founder and responsible editor of Modern Wealth Tech Guide, who verifies every number before publication. A small group works on research and editing alongside him. We use a real, named byline rather than a house name so there is someone accountable for what you read here — and we do not invent authors or attach stock photos to them. Drafts use AI tooling for research synthesis and structure, then an editor verifies every claim against the primary source, rewrites for voice, and adds the trade-off judgments. We disclose that workflow openly because pretending otherwise is the kind of thing AdSense and Google now actively detect and penalize.
If a future article is written or contributed by an outside expert (a former issuer credit analyst, a CPA, a CFP), the byline will say so by name with verifiable credentials.
How we make money
Two ways:
- Affiliate commissions. Some links to card application pages or product pages (for example, home EV charging equipment) route through tracking partners that pay us when a reader is approved or makes a purchase. These commissions never change what we’d recommend in a given scenario — but they do affect which products we have time to cover at depth. We flag any affiliate relationship inside the article itself.
- Display ads. Google AdSense serves contextual ads in article margins. We don’t write articles to fit the ads; we don’t accept paid placements disguised as editorial.
The honest version: affiliate revenue from credit cards is genuinely good, which is why every personal-finance site eventually drifts toward them. We try to keep the editorial line by always answering “who is this card actually wrong for?” alongside “who is it right for.”
What we don’t do
- We don’t offer personalized credit, financial, tax, or legal advice. We’re a publication, not a planner.
- We don’t help you “get approved” or game the application process. Card approvals depend on the issuer’s underwriting, your credit profile, and luck — not on us.
- We don’t cover non-US cards, business banking, or credit-repair services — and on the auto desk, we don’t do vehicle reviews of the “how does it drive” kind. We cover the money, not the driving feel.
- We don’t accept paid placements in articles. Sponsored content, if we ever run any, will be labeled at the top of the page in its own block.
Corrections
If you spot a factual error — wrong APR range, expired bonus offer still cited as current, miscalculated break-even — email us through the contact page with the URL and the specific claim. Material corrections are made within 5 business days and noted at the top of the article.
Card terms change constantly. If you’re using one of our articles to make a real money decision, please confirm the current numbers on the issuer’s page before you apply. We update articles on a rolling schedule, but no third-party can keep up with every overnight tweak.
Contact
Editorial feedback, corrections, partnership inquiries, or privacy requests: Contact page. We read every legitimate message. We can’t reply to “should I apply for X?” individually — that’s exactly what we publish articles for.