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.
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.
— The Credit Card Insider Team
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 2012. 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.
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.
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).
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.
Jacob uses his years of experience in the credit-information space to follow the latest trends in the credit card industry and identify the topics that are most important and helpful to readers. The surveys and original research he conducts help capture the pulse of consumers' relationships with credit. He leads projects to improve the website based on reader feedback and experiences, supporting his mission to help people build and use their credit responsibly.
Sean Messier works 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.
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The ideal credit score you should have in your 30s
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Eight rewards card pitches that travelers should ignore
Financial moves you should make when paying off student loans
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Nathan connects with individuals, communities, and news outlets to help educate them on money matters and stimulate financial awareness. He believes that achieving financial success begins with identifying your priorities and facing them head on.
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5 Things You Should Be Open About in a Serious Relationship
Ways to Erase Any Leftover Holiday Debt
Should You Avoid Using a Retail Store Credit Card for Your Holiday Shopping?
5 Easy Ways Anyone Can Get Closer to a Perfect Credit Score
How to boost your credit score
Greg strives to provide straightforward credit advice and dispel any financial fears, especially for those who are new to credit cards. With an MBA and small business experience, Greg is motivated to help people use credit to their advantage.
4 Keys Experts Give to Improve Your Finances in 2020
11 ways to get in better financial shape in 2020
Credit card skimmers: How to avoid theft at the gas pumps
The Gift-Card Scam you Need to Watch Out For
Is signing up for a store’s credit card a good idea?
The good and bad of retail store cards
Evan graduated from SUNY Oswego with a degree in journalism and creative writing. In his professional writing career, he strives for precision and comprehension in his work. He’s written news articles, blog posts, and copy, working across a slew of different mediums. With in-depth research and great care for accuracy and detail, he now works to bring you the most up-to-date credit information.