René Bennett is a former writer for Bankrate, reporting on banking products and personal finance.

Before joining Bankrate in 2025, Andrew worked as a service journalism writer and editor for various companies, most recently at CNN Underscored Money. He has bylines in nearly 50 publications and has been interviewed about consumer debt by dozens of media outlets, including NBC News, FOX Business and USA Today.

Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Angelica Leicht is an editor across Bankrate and CreditCards.com. She has over a decade of experience as a writer and editor, with a specific emphasis on personal finance content for over half of her career.

Andy Shuman is a contributing writer to Bankrate. He is a New York-based freelance writer with strong expertise in consumer credit and travel loyalty programs.

Angela Mae is a personal finance writer specializing in consumer loans, debt management, investing, retirement planning and financial literacy. Her goal is to help others achieve financial stability and independence.

Anna Baluch

Amy Hoak is Bankrate contributor and a freelance writer in the Chicago area. Her work has appeared in a variety of online publications, magazines, newspapers and wire services, including MarketWatch, The Wall Street Journal, Reuters and Rotary Magazine. She began writing about business and personal finance while working as a newspaper reporter more than 20 years ago, and enjoys covering stories that help people manage their money. Amy also works as a grant writer, specializing in helping nonprofits and artists obtain funding for their projects.

Allie has written about personal finance and covered credit cards extensively for more than 10 years. Allie covers avoiding credit card debt, choosing credit cards wisely and earning and maximizing credit card rewards.

Alice Lesperance is an editor on the Bankrate team with more than a decade of journalism experience. She’s passionate about helping people at all stages of their credit card journeys take control of their personal finances.

Ashley Onadele has been engrossed in the world of credit card points and miles and travel rewards for more than a decade.

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.