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Welcome to the 16th annual Credit Card Monitor Awards, which highlight the best online and mobile credit card tools and features offered by card issuers in six key areas. The categories selected for this annual report cover only private site features, including the account maintenance capabilities that most impact the customer experience. In this report, we provide examples of the best in class for each of the online and mobile app tools covered and explain why we consider these features to be industry leaders. We distribute Monitor Awards in gold, silver or bronze based on the quality of exceptional features and tools.