Capital One Spark Cash Plus Review
The Capital One Spark Cash for Business Plus is ideal for business owners who want rewards for their spending but have no time for rewards categories.
12 min read
Sep 05, 2025
Garrett Yarbrough
Writer, Credit Cards
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5Years with Bankrate
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100+Publications written
EXPERTISE
- Credit card
- Rewards credit cards
- Credit card comparisons
- Balance transfer credit cards
- Building credit
EDUCATION
- Bachelor of Arts in English, Certification in Business and Technical Communication, Creative Writing minor | East Carolina University
- Bachelor of Arts in History | East Carolina University
Garrett Yarbrough writes credit card reviews, comparisons and guides for Bankrate and CreditCards.com. He has comprehensively researched the current market for more than five years, and specializes in evaluating the potential and personal value of credit cards for real people by providing the most insightful steps toward finding the best credit card — and personal financial growth at the end of the day.
He’s used his firsthand expertise and years of analysis to also write and research for major Bankrate features, including Bankrate’s Best Credit Cards hub, the latest credit card points and miles valuations, the 2022 through 2025 Bankrate Awards, the Spender Type tool, the Credit Utilization Calculator and the CardMatch™ and Approval Odds tools.
Prior to joining Bankrate, Garrett worked as a copywriter at an ad agency, and then as a freelance writer. He joined NextAdvisor.com in 2020, where his credit card, credit monitoring and identity theft analysis were regularly featured.
When he’s not reviewing credit cards or detailing the latest developments in Bankrate’s best cards, you can find Garrett traveling, reading and stopping at every niche museum he sees along the highway.
Garrett beyond Bankrate
Beyond Bankrate
Garrett wants you to know
As someone who began their personal finance journey not too long ago, I’ve seen firsthand the many credit-related misconceptions that family, friends and other credit builders hold. I noticed these stumbling blocks led several loved ones to avoid credit cards and base important life decisions on popular financial misinformation.
Using my background in analytical research and user-focused writing, I strive to make navigating credit cards and credit building smooth sailing for others who are new to credit.
Garrett’s recommended readings
How to choose the right credit card
Rethinking credit: Tips for first-generation credit users
How to maximize your credit card rewards
Under-the-radar credit card perks you should know
Merchant category codes: How to earn more cash back
How much are points and miles worth in 2023?
Sifting through reward program, sign-up bonus or card feature terms can feel overwhelming for even credit card veterans. As a Bankrate writer, I’ve seen how translating fine print into actionable advice can help cardholders evaluate their most valuable options and build a stronger financial future.
— Garrett Yarbrough
Garrett's latest articles
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The World Of Hyatt Credit Card Review
Hyatt's revamped rewards card is great for people who frequent the hotel chain, but doesn't offer all the bells and whistles of some more premium hotel cards or general travel cards.
4 min read Sep 05, 2025 -
Mesa Homeowners Visa® Signature Preferred Credit Card
It delivers unmatched and unique value for homeowners, but we’re not sure these no-annual-fee features will last.
18 min read Sep 05, 2025 -
PayPal Cashback Mastercard® Review
The PayPal Cashback Mastercard is a brass-tacks flat-rate card that offers PayPal users top-tier cash back in exchange for an above-average interest rate.
12 min read Sep 05, 2025 -
Chase Freedom Flex Review
The Chase Freedom Flex card is at the top of the cash back game. Its familiar rotating categories are paired with year-round earning categories to ensure maximum rewards.
12 min read Sep 05, 2025 -
TD Double Up Credit Card
This card offers a top-tier flat cash back rate, but its limited availability and mediocre sign-up bonus may limit its appeal.
12 min read Sep 05, 2025 -
Bank of America® Unlimited Cash Rewards credit card review
The Bank of America Unlimited Cash card is par for the course but can be top-tier if you have enough money for elite Preferred Rewards status.
15 min read Sep 05, 2025 -
Discover Credit Cards - Best Offers for September 2025
Get objective reviews and advice from Bankrate experts on the best Discover credit cards for the year 2025. We'll help you find the card best suited for your needs.
9 min read Sep 05, 2025
