About CardRates.com

About CardRates.com

CardRates.com was created with a singular goal: to better educate consumers about the benefits and perils of credit cards. To that end, our finance experts strive to share valuable, well-researched advice, news and reviews with visitors daily.

The world of credit cards can be difficult to navigate, with many pitfalls and untrustworthy sources everywhere you turn. We at CardRates.com aim to consistently provide the most trusted information on the web and truly live up to our moniker as “The Ultimate Guide to Credit Cards.”

Our Finance Experts

Toby Sembower

Toby Sembower

Toby Sembower has been a leading national expert on credit cards since 2004, authoring advice, reviews, and comparisons of credit card offers for millions of readers in that time. His consumer-focused advice has appeared in Yahoo! Finance, CreditCards.com, Entrepreneur.com, CreditCards.org, and other popular publications. In addition to sharing the personal lessons he’s learned from having used credit cards responsibly to raise his own FICO Score from 550 to 820, Toby’s regular interactions with top issuers like Chase, Capital One, HSBC, and Wells Fargo, enable him to provide readers with unique insights into upcoming card offers, rewards programs, and approval criteria.

Ashley Dull

Ashley Dull

Ashley Dull is the Editor-in-Chief of CardRates.com and BadCredit.org, where she works closely with industry leaders in all sectors of finance to develop authoritative guides, news, and advice articles read by millions of Americans. Her expertise lies in credit cards and rewards programs as well as credit reports and how credit scores affect all aspects of consumerism. She is often asked to serve as an expert source on financial topics for national media outlets, such as CNN Money, MarketWatch, Money Matters, ABC News, and NBC News, and has recurring contributions to several leading finance websites. Connect with Ashley on Twitter and LinkedIn.

Brittney Mayer

Brittney Mayer

Brittney Mayer is a Contributing Editor for CardRates.com and BadCredit.org, where she uses her extensive research background to write comprehensive consumer guides and in-depth company profiles. Brittney specializes in translating complex financial jargon and ideas into readable, actionable advice on lending best practices. Leveraging her vast knowledge of the financial industry, Brittney’s work can additionally be found on websites such as the National Foundation for Credit Counseling. CreditCards.com and US News & World Report, among other outlets, regularly turn to Brittney for authoritative advice.

Ray FitzGerald

Ray FitzGerald

Ray Fitzgerald has more than a decade of journalism experience, writing for national media outlets, including the Miami Herald and Investment Times. Ray is passionate about traditional and alternative investment strategies, but most enjoys sharing creative ways to budget and save money. Ray has personally written about hundreds of credit card offers from banks and credit unions across America and enjoys helping people find the best cards and rewards programs for their specific spending needs.

Aaron Crowe

Aaron Crowe

Aaron Crowe is a seasoned journalist who specializes in personal finance writing and editing. Aaron has written for a variety of websites, including AOL, Learnvest, US News & World Report, Wells Fargo, WiseBread, AARP and many insurance and investing sites. He is a former newspaper editor and reporter, and can be found at his website AaronCrowe.net.

Mike Randall

Mike Randall

Mike Randall is most knowledgeable in the areas of credit scores and credit cards, having written on those topics and others for more than a decade. He graduated from California State University with a degree in English literature, and he has an extensive background in personal finance studies. Aside from credit cards and scores, Mike enjoys writing about changes in the subprime market and how they directly impact financial decisions. Connect with Mike on Google+.

Ashley Feinstein

Ashley Feinstein

Ashley Feinstein is a certified personal finance and career coach based in New York City. She started her blog, The Fiscal Femme, to share her passion for personal finance education in a fun and accessible way and recently launched Knowing Your Worth, an organization that provides personal finance and career coaching for young women via workshops, lunch and learns and one-on-one coaching. Ashley has worked in the financial services industry for several years as an investment banker and more recently in corporate finance. She graduated with a bachelor's in finance from the Wharton School at the University of Pennsylvania. Connect with her on Google+.

John Schmoll

John Schmoll

John is the founder of Frugal Rules, a blog created to help people experience financial freedom through frugality. John is passionate about budgeting, saving and investing and enjoys sharing his knowledge and experience with others so they can avoid making some of the mistakes he made. A veteran of the financial services industry, John has a master's of business administration in finance and experience as a licensed stockbroker. You can find John online at frugalrules.com and follow him at @frugalrules. Connect with him on Google+.

Scott Sheldon

Scott Sheldon

Scott Sheldon is a senior loan officer and consumer advocate. Scott has been seen in CNN Money, The Wall Street Journal, MarketWatch, Zillow, Yahoo! Homes, and Fox Business News. Visit him online at Sonoma County Mortgages. Connect with him on Google+.