Harlan Vaughn's Image

Harlan Vaughn

Former Credit Card Editor

About

Harlan Vaughn was formally a credit cards editor for Forbes Advisor with over a decade of experience. With a deep understanding of the credit card industry, his passion for travel strategies drives his commitment to helping others maximize their credit card rewards. Harlan's expertise has taken him around the world by redeeming millions of points and miles earned with credit cards. His favorite destinations include Iceland, Japan, Hawaii, New Zealand and Chile.

Harlan Vaughn was formally a credit cards editor for Forbes Advisor with over a decade of experience. His deep understanding of credit cards fuels his passion for travel strategies.

With millions of points and miles redeemed for travel, Harlan has used credit card rewards to visit incredible destinations including Iceland, Japan, Hawaii, New Zealand and Chile. Now, as a dad of three, he’s committed to helping others maximize their credit card rewards and benefits, with a background in writing and editing for distinguished points and miles websites.

Harlan also is interested in personal finance, investing and financial independence. When he’s not digging into those topics or earning rewards with a portfolio of nearly 40 active credit cards, you can find him hiking, enjoying live music or traveling with his family.

Harlan is currently based in Memphis, Tennessee, and continues to empower readers to create their own memorable adventures around the round using credit cards and travel rewards.

Expertise

  • Credit card rewards and benefits
  • Travel award bookings
  • Stacking deals to save money
  • Family travel

Achievements

  • Over a decade covering credit cards, points, miles and travel for several esteemed publications
  • Presenting introductions to points and miles for beginners at conferences and special events
  • Hosted a series of popular points meetups in the Dallas-Fort Worth area
  • Dozens of incredible once-in-a-lifetime trips all over the world

Other Publications

Education

Bachelor of Fine Arts (BFA), Studio Art, Columbia College Chicago

  • Best Credit Cards For Vacation Rentals Of December 2024

    Vacation rentals are ideal alternatives to hotels, offering space, privacy and prime locations. These homes come with amenities like kitchens for food prep, extra space and dedicated desks for remote work. They may even include a private pool or yard....
    Best Credit Cards For Vacation Rentals Of December 2024
  • Best USAA Credit Cards Of December 2024

    USAA® membership is exclusive to members of the military community, along with their spouses and children. If you qualify, though, you can apply for one of the best USAA credit cards. While they don't stack up well against the best...
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  • Best Credit Cards For No Credit Of December 2024

    A complete lack of credit history can be an obstacle to many goals, especially those that involve borrowed capital. Not only will you face difficulty making major car, house or business purchases without the ability to borrow, but landlords, phone...
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  • Best Business Credit Cards For Fair Credit Of December 2024

    If you have fair credit, there are fewer business credit card options than for those with good or excellent credit. But you can consider one of the cards on our list of the best business credit cards for fair credit...
    Best Business Credit Cards For Fair Credit Of December 2024
  • Longest 0% Intro APR Credit Cards For Purchases Of December 2024

    A credit card with a long 0% intro APR period can be an excellent tool for managing your purchases without incurring interest charges. Whether you're planning a big-ticket purchase or looking for a way to consolidate existing debt, these cards...
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  • Best Capital One Business Credit Cards Of December 2024

    Capital One business credit cards offer an attractive blend of rewards and benefits. Whether you’re looking to earn cash back or travel rewards miles, Capital One has terrific credit card options for companies of all sizes. We’ve compiled a list...
    Best Capital One Business Credit Cards Of December 2024
  • Best No Late Fee Credit Cards Of 2024

    Missing a payment on a credit card by just one day can result in late fees, plus a higher penalty APR on your balance. If you've missed a payment in the past or you're concerned about the prospect of penalties,...
    Best No Late Fee Credit Cards Of 2024
  • Best Credit Cards For 600 Credit Score Of December 2024

    If your credit score is 600 or below, solid credit card options are still available. We’ve done the research, and these are some of the best credit cards for a 600 credit score on the market. Using one of these...
    Best Credit Cards For 600 Credit Score Of December 2024
  • Best Credit Cards For Paying Off Debt Of 2024

    With APRs sky high, credit card debt is on the rise. Whether your goal is to lower your APR or streamline payments, transferring your balances to a 0% intro APR credit card might be the right way to go. However,...
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  • Best Credit Cards For Expats And Living Abroad Of 2024

    If you’re living abroad and using a credit card for your daily expenses, foreign transaction fees can add up fast. For example, if you have a credit card that charges a typical 3% foreign transaction fee, for every $5,000 you...
    Best Credit Cards For Expats And Living Abroad Of 2024
  • Best Credit Cards For Gym Membership Of 2024

    Working out is a great way to stay in shape and keep your body healthy. Using the right credit card to pay for exercise equipment or gym membership fees can make exercise financially rewarding, too. The best credit cards for...
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  • Better Together: The Best Points-Boosting Credit Card Groupings For Under $100 Per Year

    Sometimes two (or three) is better than one. While some enjoy the simplicity of having one go-to credit card, those who don’t mind a little complexity can amplify their point earnings by adding one or two more cards. The good...
    Better Together: The Best Points-Boosting Credit Card Groupings For Under $100 Per Year
  • First Tech Platinum Secured Mastercard Review 2024

    With no annual fee, low APR and rewards on everyday purchases, the is an effective option for those seeking to build credit and earn rewards. Additionally, this card has no balance transfer fees, making it an appealing option if you...
    First Tech Platinum Secured Mastercard Review 2024
  • Citi Strata Premier Card Review 2024

    The is a midrange travel rewards card that offers quite a bit—generous rewards across multiple spending categories, many transfer partners and travel protections. For a moderate annual fee of , you can earn rewards quickly and use them to book...
    Citi Strata Premier Card Review 2024
  • Best Extended Warranty Credit Cards Of December 2024

    A credit card’s extended warranty coverage is one of those things you might think about after you’ve had your card for a while. But if you know you’ll use your credit card for big-ticket or high-value purchases, it might be...
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  • Bilt Mastercard Vs. Chase Sapphire Preferred Card

    The , introduced in 2021, quickly became a rival to top cards like the . Its unique feature? Turning rent payments into rewards, offering up to 100,000 points annually without extra transaction fees. This, along with its earning potential and...
    Bilt Mastercard Vs. Chase Sapphire Preferred Card
  • EBay To Stop Accepting Amex Cards in August 2024, Citing High Fees

    As of August 17, 2024, you won’t be able to use an American Express card to pay for your eBay purchases. EBay is eliminating Amex cards as a payment option, citing “unacceptably high fees” to process Amex transactions. Amex has...
    EBay To Stop Accepting Amex Cards in August 2024, Citing High Fees
  • The Two Best Cards To Pair With The Chase Sapphire Preferred

    Many travel rewards enthusiasts will tell you that if they had to pick one card to earn travel rewards, it would be the . They’ll likely also tell you that pairing it with a complementary card or two is a...
    The Two Best Cards To Pair With The Chase Sapphire Preferred
  • Best Hotel Booking Sites To Find The Cheapest Rates

    Booking a hotel can be a pain point for travelers—in part, because there are so many options. The biggest issue is pinning down the cheapest price, but there are dozens of hotel booking sites out there, each with their own...
    Best Hotel Booking Sites To Find The Cheapest Rates
  • Score 85,000 Bonus Points On Southwest Credit Cards For A Limited Time

    The offers in this post have been updated or are no longer available. Please see the issuer site for current product information. Wanna get away with even more Southwest Rapid Rewards points? New card members can earn 85,000 Rapid Rewards®...
    Score 85,000 Bonus Points On Southwest Credit Cards For A Limited Time
  • How To Choose A Credit Card

    Whether you’re looking for your first credit card or you already have several, it’s not always easy to figure out how to choose the right credit card. With so many options available, it can be overwhelming to determine which credit...
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  • Best Student Credit Cards Of June 2024

    College students stand at a crossroads—and for those just starting out in the adulting world, gaining access to credit can be a challenge. Banks want loyal customers, but also want a healthy credit score to prove you can and will...
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  • 5 Best Websites For Booking The Cheapest Flights Of 2024

    If you need to pay for a flight with cash instead of miles, it’s smart to compare fares with multiple airlines before booking with a relevant airline credit card or a general travel credit card. But since checking each airline's...
    5 Best Websites For Booking The Cheapest Flights Of 2024
  • NEA Customized Cash Rewards Credit Card Review 2024

    The is offered by Bank of America and sponsored by the National Education Association. It comes with no annual fee, an introductory APR offer on purchases and balance transfers, as well as the ability to earn a welcome offer. It...
    NEA Customized Cash Rewards Credit Card Review 2024
  • BECU Low Rate Credit Card Review 2024

    The features several benefits for those interested in transferring balances from other credit cards or financing new purchases. While its intro APR offer is shorter than other balance transfer cards, you won't pay balance transfer fees—and you may qualify for...
    BECU Low Rate Credit Card Review 2024
  • Premium Travel Cards Vs. Mid-Level Travel Cards: Which Is Better?

    As a traveler, it’s always helpful to consider whether a new credit card is right for your wallet. However, you should be strategic and consider travel cards that achieve your goals. With so many options, it’s hard to determine where...
    Premium Travel Cards Vs. Mid-Level Travel Cards: Which Is Better?
  • Credit Card Giants Reach $30 Billion Settlement, Agree To Temporarily Lower Fees

    Visa and Mastercard are the world’s leading payment processing networks, and the numbers are not even close. Between the two giants, shares sit at 77.3% of the total market value, dwarfing American Express and Discover, which account for 12.7% and...
    Credit Card Giants Reach $30 Billion Settlement, Agree To Temporarily Lower Fees
  • Bilt Rewards Will Lose American AAdvantage As A Transfer Partner

    The offers in this post have been updated or are no longer available. Please see the issuer site for current product information. American Airlines—the world’s largest airline by passenger volume—currently has just one bank transfer partner: Bilt Rewards. But that’s...
    Bilt Rewards Will Lose American AAdvantage As A Transfer Partner
  • Amex Is Dropping SiriusXM From Its List Of Providers Covered By The Digital Entertainment Credit

    The offers in this post have been updated or are no longer available. Please see the issuer site for current product information. Audiophiles will likely lament the latest change to the digital entertainment credit offered on The Platinum Card® from...
    Amex Is Dropping SiriusXM From Its List Of Providers Covered By The Digital Entertainment Credit
  • U.S. Bank Has Big Changes For Altitude Connect Cardholders

    The offers in this post have been updated or are no longer available. Please see the issuer site for current product information. The U.S. Bank Altitude® Connect Visa Signature® Card is one of the few travel credit cards that hits...
    U.S. Bank Has Big Changes For Altitude Connect Cardholders
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About

Harlan Vaughn was formally a credit cards editor for Forbes Advisor with over a decade of experience. With a deep understanding of the credit card industry, his passion for travel strategies drives his commitment to helping others maximize their credit card rewards. Harlan's expertise has taken him around the world by redeeming millions of points and miles earned with credit cards. His favorite destinations include Iceland, Japan, Hawaii, New Zealand and Chile.