The Best Credit Cards of 2023 - Bankrate Awards
Find the best credit cards for this year and see which make sense for your goals and spending habits. Find cards for everyday use, travel, dining and more.
5 min read
Jan 10, 2023
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 Best Credit Cards of 2022 - Bankrate Awards
Find the best credit cards for this year and see which make sense for your goals and spending habits. Find cards for everyday use, travel, dining and more.
11 min read Dec 09, 2021 -
Navy Federal Credit Union nRewards® Secured Card review
A low APR and no annual, balance transfer or foreign transaction fees make the Navy Federal's nRewards card a stand-out among secured cards.
5 min read Mar 13, 2025 -
Western Union® Netspend® Prepaid Mastercard review
The Western Union® Netspend® Prepaid Mastercard offers impressive benefits like cash back on purchases and free direct deposit. But because it charges so many fees, opening a checking account at a traditional bank may be cheaper.
4 min read Dec 02, 2022 -
Merchant category codes: How to earn more cash back
Merchant category codes can help consumers earn more with rewards credit cards.
8 min read Mar 05, 2025 -
Can you reopen a closed credit card?
Reopening a closed credit card can prove to have its difficulties and incentives.
5 min read Feb 19, 2025 -
Best credit cards for large purchases
If you’re paying for a large purchase with a credit card, use a card with a low APR or a generous rewards system.
42 min read Feb 17, 2025 -
HSBC Gold Mastercard Credit Card Review
The HSBC Gold Mastercard is a solid option for people who want to take advantage of the long 0% APR on balance transfers.
3 min read Dec 20, 2022
