At CardRatings.com we are dedicated to providing the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 150 cards in order to help everyday cardholders feel more confident about their card choices.
In addition to credit card reviews, our learning center offers a number of other tools and financial resources such as monthly payment and credit card payoff calculators, credit card reward program guides, and our popular “best of” pages which feature our editors’ top picks for any given credit card category alongside real cardholder rankings.
Why you can trust CardRatings
Consumer advocate Curtis Arnold started CardRatings in 1998 as a first-of-its-kind website dedicated to unbiased credit card ratings and reviews. His goal: To help everyday consumers make the right choices when it comes to their credit cards and personal finances. Throughout the past 25 years, CardRatings’ guiding goal hasn’t changed, but our expertise and passion have grown. Today, CardRatings offers consumers credit card reviews, ratings, tools and educational resources expertly curated and fact-checked so you can make informed decisions when it comes to your cards and finances.
The following guidelines are intended to maintain the editorial integrity and independence of CardRatings.com especially as it pertains to providing users with accurate, unbiased credit card ratings, reviews and information.
Guidelines for editors
Outside of compliance, no advertiser information should ever be shared with our team of editors.
The editorial team is not to consult the marketing team when selecting a card or cards for the purpose of rating, reviewing or inclusion in editorial features such as editor’s picks or best in category.
Advertiser relationships and compensation must never influence ratings, reviews, or selection of cards to be featured in editorial content.
Any guidance to writers related to specific cards must be solely based on editorial opinion.
The marketing team is not permitted to review or revise content prior to publishing.
The difference between editorial content and advertising must be clearly stated
Brooklyn is the editorial director and senior credit card analyst for CardRatings.com. She is a journalist with 20 years experience, both print and digital, covering topics ranging from local government to small business to human interest articles and more. Her interest in the credit card industry arose out of a desire to maximize reward potential and help people understand best practices when it comes to their credit cards. That interest has expanded to include helping people and families take charge of their personal finances and build a positive credit history. She has a particular focus on families and helping kids learn responsible money habits. She also enjoys leveraging her own credit card rewards to travel the world with her family.
Credit cards, personal finance, family finances, travel rewards, credit history/scores
Brooklyn earned a bachelor’s degree in journalism from Auburn University in Auburn, Ala., and a master’s in English from Middle Tennessee State University in Murfreesboro, Tenn.
Credit card analyst specializing in healthy family finances, leveraging credit card rewards and teaching responsible personal finance practices.
Trusted resource and interview for publications and media outlets including The Wall Street Journal, Forbes, Nasdaq, HuffPo, Fox Business, Vox Magazine, Kiplinger, Newsday, Real Simple, Yahoo! Finance and multiple local and regional television and radio outlets.
Jennifer Doss is a credit card analyst and the managing editor of CardRatings.com. She has worked as both a print and online journalist and has over a decade of experience in the media industry. Her published work has covered a broad range of topics, from finance and technology to travel and dining. Through extensive travel experiences and her personal interest in food, she has come to appreciate the unique rewards and benefits of responsible credit card use, and enjoys helping people understand the ins and outs of the industry. As a finance expert, she strives to provide user-friendly online resources that help everyday people get the most out of their credit cards.
Credit cards, personal finance, travel benefits, dining rewards
Jennifer earned a bachelor’s degree in journalism and a bachelor’s degree in anthropology from the University of Arkansas, Fayetteville.
Credit card expert specializing in top offers and best practices for responsible credit card use
Our editors work closely with other industry experts in order to bring the most diverse and unbiased content available to CardRatings.com readers.
We have historically hired professionally trained writers who have a strong background, in many cases spanning decades, covering personal finance and other credit-related fields. The work of our freelancers is frequently published by reputable news sources including Fox Business, MSN Money, NPR, CNBC, ABC News, the Washington Post and Chicago Tribune. We impose standards to hire similarly qualified writers.
When producing content for our site, our freelance writers must follow the following guidelines:
With editorial content, it is important to always remain objective, check facts and ensure accuracy. When writing reviews and other editorial content, writers must thoroughly research applicable card offers in order to provide an honest, unbiased, comprehensive guide to the readers.
Writers must not take suggestions from anyone outside of QuinStreet’s editorial team unless they are interviewing an outside professional and the outside expert is properly cited to include professional credentials, as applicable. Writers are responsible for researching and properly vetting potential sources for all articles to ensure content remains objective and informative.
In addition to working with a team of finance freelancers, CardRatings.com works alongside a number of columnists and media partners in order to bring unique perspective and additional expert support to our site.
The CardRatings editorial team regularly updates articles, tools, research and analysis to provide the highest-quality information to consumers. In the course of this work, we seek advice and comments from outside experts.
1. Panelist interviews
Editors ask expert panelists questions to enhance new or existing content and publish their commentary throughout the website.
2. Panelist content reviews
Panelists review drafts of content under development and offer suggestions on where and how the material can be enhanced.
3. Other expert interviews
The editorial team conducts interviews of industry experts and professors, as needed, to develop the strongest possible reports.
Ph.D., CFCS, CPFFE
Associate Professor of Economics
Framingham State University
Ph.D., CFCS, CPFFE
Eastern Illinois University
Senior Lecturer of Economics Director, Center for Economic Education and Financial Literacy
University of West Georgia
Professor of Marketing
University of North Texas
Adjunct Finance Faculty
Metropolitan College of New York
Associate Professor of Business
Columbia Business School
Associate Professor of Finance University of Missouri-Kansas City
Associate Professor of Marketing Merrimack College
For more than 10 years we’ve brought our readers a curated list of the best credit cards of the year based on our analysis of the fine print, fees, perks and comparisons to similar cards. In many cases, the winners are cards that partner with CardRatings, but in some cases, they are not, and you won’t be able to apply for the card directly from this site.
We survey more than 1,700 cardholders across 77 individual cards annually to obtain customer feedback on the most popular cards on our site – a tradition we started for our 2020 editor’s picks. That means that readers get the expert analysis they need as well as scores from actual cardholders.
CardRatings.com is a for-profit organization devoted to educating consumers about credit cards, founded in August,1998 in Little Rock, Ark. Our website was founded in response to a growing national backlash against credit card debt. Curtis Arnold, CardRatings’ founder and a nationally recognized consumer advocate, knows firsthand the devastating financial effect of credit card debt. Curtis struggled with credit card debt for several years during and after his graduate studies in business at the University of Texas at Dallas. At one point, he had more than $40,000 in card debt.
We pioneered the concept of offering online ratings of credit cards in the year of our founding. We are devoted to being the leading source of objective credit card rating information and are, in fact , the most comprehensive source for card data. We currently offer consumer information regarding approximately 500 unique credit card offerings, including a searchable database.
We offer consumer reviews of cards written by consumers throughout the country. We do not know of any other organization that offers more consumer reviews of credit cards . Disclosing such information often helps consumers find more attractive credit cards and, in turn, helps them lower their credit card debt. Another added benefit is that such disclosures encourage stronger competition among credit card issuers.
Since our founding we have expanded our role and online offerings to include more than just credit card reviews. For example, we also provide ratings of credit cards that are consumer friendly in terms of rebates and rewards. Such cards are generally geared toward consumers who do not typically carry balances (i.e. consumers who pay off their cards each month). We have also started to recognize credit card issuers who have highly rated cards by creating and a rewarding a “Top Rated Card” award seal .
Another example of our expanded role is our initiation of a community outreach program. We are pleased to actively participate in financial education efforts by being a national partner of the Jump$tart Coalition for Financial Literacy. Jump$tart is a non-profit organization that seeks to improve the personal financial literacy of young adults (K-12 and college students). CardRatings’ founder, Curtis Arnold, is co-chair of the Arkansas chapter of Jump$tart.
We are proud of our accomplishments and owe all of our success to consumers like you. Our website has quickly become one of the most popular sources of consumer credit information. In fact, we are now the most comprehensive free source for comparing credit card offers; additionally, CardRatings features content from some of the top financial personalities across the web.
Millions of consumers are exposed to our site each year and we are regularly featured by respected national media outlets such as The Wall Street Journal, Good Morning America, The Today Show on NBC, PBS, and The New York Times.
Ph.D., CFCS, CPFFE Associate Professor of Economics
Dr. LaMontagne has research interests in energy economics, environmental economics, applied microeconomics and empirical industrial organization. She has authored papers on Renewable Portfolio Standards and the US Energy landscape. Her experience includes leading students abroad to Germany and Switzerland to study renewable energy.
Dr. Simpson has been an EIU faculty member since 1997. Her subject matter expertise is in the areas of consumer studies, family resource management, and financial literacy. She has numerous publications and has presented at local, state, national, and international conferences on the topics of online teaching and learning, budgeting and debt management, and consumer behavior.
Senior Lecturer of Economics Director, Center for Economic Education and Financial Literacy
Kim Holder serves as Director of the University of West Georgia’s Center for Economic Education and Financial Literacy and is a senior lecturer of economics in the Richards College of Business (RCOB). She’s an alumna of UWG and Georgia State University’s Andrew Young School of Policy Studies. Her academic initiatives focus on creative teaching methods that include social media to break down barriers to economic education. To engage today’s students she created the National Rockonomix Contest (Journal of Economic Education) along with other innovative techniques (“Putting Yourself in the Picture with an ECONSelfie”), International Review of Economic Education, “Art of Econ: Incorporating the Arts through Active Learning Assignments in Principles Courses,” Journal of Economics and Finance Education, and “The Economics of The Hunger Games,” International Journal of Pluralism and Economics Education). She is also the co-author of instructional resources for teaching economists including: The Ultimate Guide to Teaching Macroeconomics (W.W. Norton) and the Digital Implementation Guide for Mankiw’s Principles of Economics (Cengage).
Ph.D. Professor of Marketing
Dr. Blankson is a visiting scholar in marketing at Kingston University Business School and teaches at the University of Ghana Business School. He supervises masters’ theses at Kingston University Business School and doctoral theses at the University of Ghana Business School. He initiated, researched and successfully set up a memorandum of understanding (MOU) between the University of North Texas and the University of Ghana. His research interests include strategic marketing – product, service, brand, firm, and country positioning strategies and models, industrial and services marketing in developing and newly industrialized countries, credit card and bank services marketing, small business marketing, and international/multicultural marketing.
Ph.D., AFA Adjunct Finance Faculty
Dr. Maharaj is a finance professor emeritus from Berkeley College, White Plains, NY, and a current adjunct finance and economics professor at Metropolitan College of New York in New York City. Dr. Maharaj is a former banker and authored “Megabank Consolidations in the United States.” He consults in the areas of financial services and financial services education and is an active researcher in the field of business and consumer credit.
Ph.D. Associate Professor of Business
Dr. Pagel works on topics in behavioral economics, household finance, and macroeconomics. Her dissertation focused on the consumption and investment implications of non-standard preferences. Her theoretical study includes evaluating how decision-making is affected by people’s beliefs about their consumption. Her current work analyzes transaction-level data on income, spending, balances, credit limits, and logins stemming from a financial aggregation app. She is analyzing bank account data linked to individual investors’ security trades and portfolios.
Rick Roberts is a specialist professor in the Department of Economics, Finance and Real Estate at Monmouth University. He is a former 20+ year executive of the Federal Reserve System. Across his tenure, he headed the New York Central Bank’s Credit Risk Management during the 2008 financial crisis, led the Payment Systems Risk area, chaired key system committees on counterparty risk identification and mitigation, and oversaw the preparation of FOMC monetary policy briefing materials for the president of the Kansas City Reserve Bank. He took a brief break from the Fed in the early 2000s to start and run a boutique subprime-mortgage hedge fund. Roberts has published articles on topics that include monetary policy, money and banking, and the US economic outlook. His 2016 book “Firewood Held” was a top 20 business book in China.
Ph.D. Associate Professor of Finance University of Missouri-Kansas City
Nathan has specialized his research and teaching in the areas of corporate finance, international finance, financial modeling, firm valuation, mergers and acquisitions, and venture financing. He has over 20 peer-reviewed academic publications and his work has been featured in popular press publications such as The Wall Street Journal.
MBA, CPM Associate Professor of Marketing Merrimack College
Joseph Stasio, Associate Professor, Marketing, has been teaching and practicing business for 40 years. He has participated as a founder of several companies; his most recent are Cardea Technologies Inc. and C-Level Clone – Home, where he serves as Director of Marketing Director of Business Development respectively. His research interests involve all aspects of marketing and entrepreneurship with an emphasis on start-ups and strategic planning for new and growing organizations. He earned a B.S.B.A. at Salem State College, and an M.B.A. and A.P.C. at Suffolk University. He is also a Certified Marketing Professional.