Sifting through reward program, sign-up bonus or card feature terms can feel overwhelming for even credit card veterans. As a Bankrate writer, I’ve seen how translating fine print into actionable advice can help cardholders evaluate their most valuable options and build a stronger financial future.
— Garrett Yarbrough
Garrett Yarbrough writes credit card reviews, comparisons and guides for Bankrate. He specializes in all things credit cards, and he has comprehensively researched the current market and past product offers for more than three years. Garrett thoroughly analyzes credit card terms, rewards programs, introductory offers and other card features to provide readers with the most insightful steps toward personal financial growth. He has also written and researched for major Bankrate features, including the latest credit card points and miles valuations, the 2022 through 2024 Bankrate Awards, the Spender Type tool, the Credit Utilization Calculator and the CardMatch™ Approval Odds tool.
Prior to joining Bankrate, Garrett worked as a copywriter at an ad agency, and then as a freelance writer. He joined NextAdvisor.com in 2020, where his credit card, credit monitoring and identity theft analysis were regularly featured.
When he’s not reviewing credit cards or detailing the latest developments in Bankrate’s best cards, you can find Garrett traveling, reading and stopping at every niche museum he sees along the highway.
Send your questions about credit cards to [email protected].
Find Garrett beyond Bankrate
Garrett breaks down the current best credit cards on CreditCards.com
Garrett reviews the SuperCash Secured Mastercard® on CreditCards.com
Garrett reviews the Ink Business Premier℠ on CreditCards.com
Garrett reviews the Blue Cash Everyday® Card from American Express
Garrett wants you to know
As someone who began their personal finance journey not too long ago, I’ve seen firsthand the many credit-related misconceptions that family, friends and other credit builders hold. I noticed these stumbling blocks led several loved ones to avoid credit cards and base important life decisions on popular financial misinformation.
Using my background in analytical research and user-focused writing, I strive to make navigating credit cards and credit building smooth sailing for others who are new to credit.
Garrett’s recommended readings
How to choose the right credit card
Rethinking credit: Tips for first-generation credit users
How to maximize your credit card rewards
Under-the-radar credit card perks you should know
Merchant category codes: How to earn more cash back
How much are points and miles worth in 2023?
Sifting through reward program, sign-up bonus or card feature terms can feel overwhelming for even credit card veterans. As a Bankrate writer, I’ve seen how translating fine print into actionable advice can help cardholders evaluate their most valuable options and build a stronger financial future.
— Garrett Yarbrough
Are you looking for a temporary break from APR? One of the balance transfer credit card offers available on Bankrate could help you pay down balances, improve your credit score and save on interest charges — plus, some earn great rewards.
The best rewards credit cards make it easy to earn points, miles and cash back without overspending. Read our in-depth analysis of the top choices available from our partners.
The Wells Fargo Reflect offers perhaps the longest intro APR period on purchases and qualifying balance transfers, but always pay on time to keep this stellar intro APR.
These are Bankrate's top picks for Chase credit cards you should consider adding to your wallet in 2024. Read our expert advice and compare the latest offers from Chase.
The Southwest Rapid Rewards Priority Credit Card allows frequent flyers to build points quickly and is loaded with travel benefits to justify its annual fee.
The Southwest Rapid Rewards® Plus Credit Card is an ideal choice for Southwest flyers looking for an entry-level Southwest Airlines credit card.
Here are the best credit cards with no annual fee. Read reviews from personal finance experts and compare offers from our partners to find the best card for you.
The Citi Custom Cash card’s fresh take on 5 percent cash back rewards your biggest expenses each billing cycle and richly complements your other Citi cards.
For those who find tracking bonus categories too cumbersome and just want simple cash-back rewards, the Navy Federal Credit Union cashRewards card delivers.
Higher-than-ever sign-up bonus and perks that Southwest business travelers will love.
For a $450 annual fee, American Airlines loyalists can fly in style with perks like Admirals Club membership, priority boarding on flights, credit for TSA Pre✓® or Global Entry and more.
The Marriott Bonvoy Boundless® Credit Card is replacing the Marriott Premier Plus Credit Card, and new cardholders have the chance to earn 100,000 bonus points after spending $3,000 on purchases within the first three months after account activation (for a limited time).
The Jasper Cash Back Mastercard® is a great card for future professionals new to the United States.
Citi is a Bankrate advertising partner. Rewards credit cards get a lot of good press for the money-saving benefits: statement credits, points and cash back. What’s not to love about them? But fans of [...]
The Bank of America-issued Alaska Airlines Visa credit card has a hallmark feature that's hard for other airline cards to top: its Alaska's Famous Companion Fare offer.
The card may not offer the most benefits, but it features solid flat rate cash back of 1.5 percent and no annual fes, making it a wise choice for students looking to build credit.
With credits totaling more than the annual fee, the Hilton Honors American Express Aspire card offers tremendous value for those who prefer staying with Hilton.
It’s worth considering the Quicksilver Secured if you want a low-cost way to boost your credit score while earning cash back with no annual fee.
Bank of America and Wells Fargo both offer business loans to companies with good-to-excellent credit.
It’s a way that you can get a sense of how a lender treats borrowers like you.
Kiva offers no-cost microloans with limited eligibility requirements, while Fundible offers larger loans with competitive rates.
Look for origination fees, late fees and NSF fees when comparing bad credit loans.
