
What is a secured credit card and how does it work?
Secured credit cards require a cash deposit in exchange for a small line of credit.
Holly Johnson began her career working in the funeral industry, which may make you wonder why she works in personal finance now. Yet, the funeral industry taught the author everything she needs to know about the value of one's money and time. Johnson left the mortuary business a decade ago in order to explore her passion for personal finance and travel the world, and since then, she and her husband have built a debt-free lifestyle that has them on the path to retire very wealthy in their 40s. Holly's love of budgeting also led to the creation of her debt payoff book, “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
Currently, Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
"I write expert content with the goal of helping consumers make the most of their credit, their money and their lives."
— Holly D. Johnson
Secured credit cards require a cash deposit in exchange for a small line of credit.
The Chase Freedom Flex credit card offers unique perks for any traveler.
The Southwest Rapid Rewards Plus anniversary bonus softens the annual fee.
Read on to learn how to decide between these two rewards cards.
Business credit card rewards are considered a rebate on spending and are not taxable.
Sometimes, it’s better to use points and miles than pay with cash.
You can earn plenty of savings through Delta’s SkyMiles program.
Is the Discover it Cash Back or Citi Diamond Preferred best for balance transfers?