Looking for the best mattress for your money? To cut through the clutter of advertising you'll see out there, Consumer Reports has a look at the best mattresses and mattress retailers.

The best affordable mattresses

The magazine broke out their findings by category: Traditional innerspring, memory foam and adjustable air. In each category, Consumer Reports recommends a best buy, as well as other mattresses they recommend based on ratings.

Innerspring: The Denver Mattress Doctor's Choice for $500.  The Sealy Posturepedic Hybrid Trust Cushion for $1,275 is also a best buy in this category, with a higher rating, but it's obviously a bit more expensive. 

Memory foam: Tuft & Needle Ten for $500. The Novaform 14" Serafina Pearl Gel (Costco) is also a "best buy" pick for this category, but it's more expensive at $800.

Adjustable air: Sleep Number c2 Bed for $800.

It's important to remember that price does not necessarily equate to satisfaction with mattresses. A more expensive mattress may not make for a better product.

For more tips on finding the right mattress for you, check out Consumer Reports' buying guide here.

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Who is the best mattress retailer?

On the question of retailers, Consumer Reports ranked the Original Mattress Factory stores as the top choice for customer satisfaction. Costco Wholesale was a close second.

The high placement for Costco may reflect their return policy on mattresses: A full money back refund without penalty and no time limit. That really makes Costco stand apart!

I particularly like the warehouse clubs for mattress shopping, and I've long advised people to test the mattress right there in the store for an extended period. Bring a book or tablet to Costco or Sam's Club and get those mattresses off the displays or yank them off the walls. Then lay there for 15 minutes and see how you like the feel before you buy.

There's one more option I want to mention to you. Casper is a new mattress company that's beloved by millennials. Their mattress comes via package delivery in this tiny box and you open it and watch it unfold before your eyes. The mattress, which sells for between $500 and $950, is made of memory foam and latex.

Here's the reason a lot of young people really like this company: Casper gives you 100 nights to test out their mattress. If you don't like it, you send it back for 100% refund.