Shop Through Chase guide
The Shop Through Chase program can help you to earn more rewards.
8 min read
Aug 18, 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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Capital One Venture Rewards Credit Card Review
The Capital One Venture Rewards Credit Card is one of the best credit cards on the market if you want one of the easiest to manage travel rewards experiences available, but its new elite card sibling is likely a better value for many cardholders.
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Pros and cons of credit card forbearance
What you need to know if you are before putting your card’s balance in forbearance.
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Amazon Prime Visa vs. Bank of America Customized Cash Rewards
The Prime Visa has higher rewards rates, but the Customized Cash is more versatile.
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Capital One Venture Card benefits guide
The Capital One Venture card offers a valuable slate of benefits, but travel cards requiring a bit more elbow grease may deliver more.
6 min read Aug 11, 2025 -
Citi Simplicity® Card Review
The Citi Simplicity® Card offers one of the longest zero-interest periods of any balance transfer credit card. You could save hundreds by consolidating debt with this card.
10 min read Aug 08, 2025 -
One Key™ Card
Its robust rewards on both everyday spending and discount travel site purchases makes the One Key Card a solid fit for occasional travelers. But the redemption restrictions may be too strict for some.
15 min read Aug 07, 2025 -
Southwest Rapid Rewards Priority Credit Card Review
The Southwest Rapid Rewards Priority Credit Card allows frequent flyers to build points quickly and is loaded with travel benefits to justify its annual fee.
11 min read Aug 04, 2025
