About Credit Card Insider

Our mission is to empower people to use credit cards to their advantage, with confidence. This starts with an understanding of how credit cards work and how to build credit.

We only encourage responsible credit card use. This means paying on time and in full every month to avoid fees and credit card debt. We don’t encourage attempts to manipulate credit scoring systems in tricky ways. We don’t advocate constantly applying for and cancelling cards to game sign-up bonuses.

We know that credit cards are serious financial tools, and can cause long-lasting negative financial consequences when people use them irresponsibly, so we believe they’re not for everyone.

Our focus is on the long term: building habits and knowledge that lead to excellent credit, and finding the right cards if you decide credit cards are right for you.

We make money through relationships with advertising partners. They pay us for credit card approvals on some cards. Unlike many credit card sites, we don’t base our best card picks on these relationships. Partner relationships do not impact the star ratings we give cards, either.

We’re committed to honesty in our card reviews. You can count on us to tell the truth about a card, whether the issuer pays us for approvals or not. We’ll tell you which cards are best in our opinion, even if those cards don’t earn a commission.

To learn more, read about how we rate cards, or check out our Editorial Guidelines.

We don’t collect any credit card application information directly on Credit Card Insider. Apply Now buttons go directly to issuers’ secure websites, where they collect and process your information.

If you’re new to credit cards, start with our guide to building credit. If you’re looking for a card, see our top picks here. Contact us any time here.

The Credit Card Insider Team
John Ganotis, Brendan Harkness, Jacob Lunduski, Oliver Browne, Nathan Grant, and Sean Messier

Meet the Credit Card Insider Team

Photo of John Ganotis

John Ganotis


    John is committed to helping people understand how credit works and use it to their advantage. Since 2007, when he first worked in the finance industry, he’s been building his credit knowledge. It’s his mission to communicate this knowledge clearly to everyone who’s willing to learn, constantly improving the guides and reviews on Credit Card Insider since 2013. He knows firsthand how easy it is to accumulate credit card debt, the challenge of paying it off completely, and the satisfaction of using credit to his advantage. John is devoted to making Credit Card Insider the best resource for those looking to understand credit and use credit cards as a powerful tool rather than fear them.
    Photo of Brendan Harkness

    Brendan Harkness

    Managing Editor

      Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
      Photo of Jacob Lunduski

      Jacob Lunduski

      Lead Credit Industry Analyst

        Jacob follows the latest trends in the credit card industry. He connects with communities to help educate them on various credit topics. His mission is to help people in different credit scenarios build and use credit responsibly.
        Photo of Michelle Black

        Michelle Black

        Credit Expert

          Michelle Black, Founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert, author, writer, and speaker with over a decade and a half of experience in the credit industry. She is an expert in credit reporting, credit scoring, financing (mortgages, credit cards, loans), debt eradication, budgeting, saving, and identity theft. She is featured monthly at credit seminars, podcasts, and in print. You can connect with Michelle on Twitter (@MichelleLBlack) and Instagram (@CreditWriter).
          Photo of Susan Shain

          Susan Shain


            Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like The New York Times, MarketWatch, and Lifehacker.
            Photo of Oliver Browne

            Oliver Browne

            Credit Industry Analyst

              Oliver is an Industry Analyst at Credit Card Insider. With an educational background in business and law, Oliver researches and writes on a multitude of topics including personal finance, small business management, and commercial law.
              Photo of Nathan Grant

              Nathan Grant

              Credit Industry Analyst

                Nathan strives to connect with individuals and communities to help educate them on money matters and make them more financially aware. He believes that achieving financial success begins with identifying your priorities and facing them head on.
                Photo of Sean Messier

                Sean Messier

                Associate Editor

                  Sean Messier strives to empower individuals with the knowledge required to use credit cards responsibly and to their advantage. His writing- and research-based background has granted him experience in an array of topics, from finance to business and beyond.

                  The Insider

                  Ellen Sirull
                  Hilton Honors Credit Cards: How to Earn Points and Get Free Night Stays
                  Ellen Sirull | Apr 18, 2019

                  You have four different options for Hilton credit cards. Find out which one will fit best with your personal spending and travel habits.

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                  Susan Shain
                  Priority Pass Select: How It Works (and Credit Cards That Have It)
                  Susan Shain | Apr 18, 2019

                  Want to get free food and drinks at airports around the world? You need Priority Pass Select. Here's how to get it for free with Priority Pass credit cards.

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                  Susan Shain
                  United Airlines Credit Cards: Here’s Our Top Pick
                  Susan Shain | Apr 09, 2019

                  Trying to choose between the various United Airlines credit cards? We've done the legwork for you — here's the best card for most United flyers.

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