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Nouri Zarrugh

Senior Editor, Credit Cards
  • 6
    Years of experience
Ribbon Icon EXPERTISE
  • Rewards credit cards
  • Travel credit cards
  • Credit card comparisons
  • Building credit
Education Icon EDUCATION
  • Bachelor of Arts in Comparative Religion, University of Texas at Austin
  • Master of Fine Arts in Writing, Michener Center for Writers, University of Texas at Austin

About the author

Nouri Zarrugh is a senior editor for CreditCards.com and Bankrate, and has over 6 years of experience as a credit card expert and writer-editor of credit card product news, guides and reviews. He also led development of Bankrate’s credit card scoring methodology and oversees Bankrate Awards scoring and card selection for the credit cards editorial team.

His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his product reviews and stories on building credit have been cited by Yahoo Finance, Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.

Also a fiction writer, he is a graduate of the Michener Center for Writers, where he won the Keene Prize for Literature. He lives in Austin, Texas with his cat Iago.

Nouri wants you to know

When I first got into credit card rewards, I got a little carried away. I applied for a ton of cards and was constantly juggling them to make sure I was maximizing my points on every single purchase. I kept every receipt and even tracked my earnings in a spreadsheet. It was a fun hobby, but it got to be more trouble than it was worth.

Now I keep things simple and mostly just focus on earning rewards in a few key categories. I use one card for general purchases, one for dining, one card for travel, one for online shopping and one for groceries. That covers the vast majority of my spending and feels easy to manage. Sure, I’m leaving some rewards on the table, but I’d rather save myself some time and energy.

Nouri's recommended readings

How Bankrate rates credit cards
How much are credit card points and miles worth?
Find a card based on where you spend most

Maximizing credit card rewards can be a fun challenge, but sometimes it’s more trouble than it’s worth. You have to find the balance of simplicity and earnings that works for you.

— Nouri Zarrugh

Nouri's latest articles

  • Best Airline Credit Cards of September 2025

    The best airline credit cards offer generous rewards and travel-related perks. Bankrate highlights the airline cards that can really help your travel experience take off.

    13 min read Aug 26, 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

  • Avant Cashback Rewards Card

    The Avant card can help you build credit and earn cash back. But the annual fee is steep.

    9 min read Jul 28, 2025

  • Nav Prime Card review

    The Nav Prime card may make sense if you’ve struggled to qualify for a small-business loan or other business credit cards, but the high cost of Nav Prime membership makes this card a stop-gap option at best

    13 min read Jan 29, 2024