Graciela Zarate Rolon is a former Bankrate editor and recent graduate of Wake Forest University with a degree in Politics and International Affairs.

Bev O'Shea is an authority on credit reports, credit scores and identity theft.

Marcos Cabello is a staff writer at Bankrate covering the banking industry.

Bankrate principal writer and editor James F. Royal, Ph.D., covers investing and wealth management. His work has been cited by CNBC, the Washington Post, The New York Times and more.

Ryan Flanigan is a Bankrate credit cards writer and Certified Credit Counselor. With his signature binder full of credit cards, he has used miles and points for years to help fulfill his travel goals.

Cynthia Paez Bowman

Jacqueline DeMarco is a contributor to Bankrate covering personal finance, including credit cards, rewards credit cards and travel credit cards. In addition to Bankrate, she has contributed to LendingTree (including Student Loan Hero and ValuePenguin), Credit Karma, Fundera, Chime, MagnifyMoney, SoFi and Northwestern Mutual.

Re'Dreyona Walker is an editor for Bankrate and CreditCards.com, focusing on product guides and reviews. As a personal finance expert, she is dedicated to providing honest product reviews as well as in-depth, comprehensive guides to assist readers in building credit and finding the best credit cards for their needs.

Cathleen's stories on design, travel and business have appeared in dozens of publications including the Washington Post, Town & Country, Wall Street Journal, Marie Claire, Fodor’s Travel, Departures and The Writer.

Sarah Li Cain

Robin Saks Frankel

Mary Van Keuren

Holly 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’ve been a personal finance writer and editor for more than two decades specializing in money management, deposit accounts, investing, fintech and cryptocurrency. Throughout the years of crunching numbers and words, I’ve been passionate about helping readers make informed decisions on managing their money with uniquely helpful advice.

Joshua Cox-Steib