Ashley Hubbard

Barri has written in the personal finance vertical—including credit cards—for more than 20 years. She currently identifies and reports on news and top trends in the credit card industry and authors in-depth interview pieces with industry experts.

Bernadette Joy is a nationally recognized personal finance expert, entrepreneur, and educator, passionate about helping people achieve financial independence. As the founder of Crush Your Money Goals®, she has helped thousands of professionals and business owners eliminate debt, grow wealth, and build financial confidence through her courses, workshops, and coaching programs.

This article was generated using automation technology and thoroughly edited and fact-checked by an editor on our editorial staff.

Ben Luthi

Former Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina.

Bents has experience with student loans, affordable housing, budgeting to include an auto loan and other personal finance matters that greet all Millennials when they graduate.

Barry Eitel

Ariana Arghandewal is a personal finance expert specializing in credit cards and travel rewards. She is passionate about helping people leverage credit card rewards to realize their travel goals.

Bankrate Staff

Ashley Kimler is a seasoned personal finance and business credit writer, leveraging over a decade of experience to empower consumers and entrepreneurs alike.

Barbara Whelehan

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge.

Daniella Ramirez is a Credit Cards Editor dedicated to helping young readers build smart credit habits, understand card rewards, and avoid common financial pitfalls.