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Garrett Yarbrough

Writer, Credit Cards
  • 5
    Years with Bankrate
  • 100+
    Publications written
Ribbon Icon EXPERTISE
  • Credit card
  • Rewards credit cards
  • Credit card comparisons
  • Balance transfer credit cards
  • Building credit
Education Icon 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

The Best Credit Cards of February 2024: Rewards, Top Offers & Reviews

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SuperCash Secured Mastercard® review

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Ink Business Premier℠ review

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Blue Cash Everyday® Card from American Express review

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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 Picks

young lady paying at a counter of a store with a card
9 MIN READ

Merchant category codes: How to earn more cash back

Merchant category codes can help consumers earn more with rewards credit cards.

couple looking out at the view on a lake
13 MIN READ

How much are points and miles worth in 2025?

See how far your rewards can take you with our data-backed valuations.

Business Owner Paying Bills Online
19 MIN READ

Best credit cards for business expenses

We break down the best cards for business rewards and perks.

Garrett's latest articles