Reviews Rubric -

Reviews Rubric

How CentSai Rates Products and Services

CentSai has one goal:
to educate people on financial wellness.

We use this rubric to outline industry standards to evaluate any product or service. Unlike many companies, we don’t merely accentuate the positive. Instead, we try the product or service ourselves, and candidly research, write, and calculate its CentSai score.

CentSai relies on reader support. When you buy from one of our valued partners, CentSai may earn an affiliate commission. Advertising Disclosure

Independent reviews help consumers decide which products or services to buy.

Highest Possible Total Score: 10

Ease of Use

Difficult to use. Fulfills few of the advertised functions.

Usable but not optimized. Fulfills some, but not all, of the advertised functions.

Simple to use. Fulfills all of the advertised functions.

Bang for Your Buck

Competitors provide better value, by being more affordable or by providing more functions or services for the same cost. You feel “ripped off.”

Provides middle-of-the-road value for the money. You feel indifferent about any money you’ve spent.

Is an excellent value, topped by few (if any) competitors. You feel as if you’ve found a bargain.

Customer Service

Customer service is unreachable or reachable only with excessive wait times (> 10 minutes). Not reachable by phone or chat, only email.

Customer service is reachable but with moderate wait times (5–10 minutes) and robotic menus, or is available only via email.

Customer service is easily reachable via live chat, email, or phone with minimal wait times (< 5 minutes).


Company has an A+ rating from the Better Business Bureau (BBB), and/or product/service has an average consumer review of above 4 stars on the App Store and/or Google Play.

CentSai strives to keep information accurate and up to date. Information may be different when you visit a financial institution, service provider, or specific product’s site. When evaluating offers, please review the financial institution’s terms and conditions, as offers are subject to change. All financial products are shown without warranty.

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