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 expert on credit cards since 2004, authoring advice, reviews, and comparisons of credit card offers to audiences of millions in that time. A frequent contributor at CardRates.com, Toby's advice also appears on sites like Yahoo! Finance, CreditCards.com, Entrepreneur.com, CreditCards.org, and many other popular personal finance platforms. In addition to lessons learned from his compelling personal story — having used credit cards responsibly to raise his own FICO score from 550 to 820 — Toby’s connections and regular conversations with top issuers like Chase, Capital One, HSBC, and Wells Fargo enable him to give readers 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, 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.

Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on CardRates.com, Eric has appeared regularly on Credible.com, eHow, The Nest, Get.com, Zacks, Chron and dozens of other outlets. A former business analyst and engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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.

Susan Ladika

Susan Ladika

Susan Ladika is a nationally-recognized personal finance expert and writer, contributing insight and advice at Bankrate.com, U.S. News & World Report, The Wall Street Journal, CreditCards.com, Business Insider, The Economist, USA Today, and scores of other publications for more than two decades. In addition to authoring indepth advice articles, Susan helps consumers better understand the world of credit cards, debit cards, and savings through the use of slideshows, infographics, quizzes, and other types of engaging content.

Brittney Mayer

Brittney Mayer

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

Ashley Feinstein

Ashley Feinstein

Ashley Feinstein is a certified personal finance and career coach based in New York City. A former investment banker, Ashley specializes in helping others transform thier lives through financial wellness. She has appeared on NBC, Forbes, Business Insider, The Huffington Post, Entrepreneur, Daily Worth, and many other outlets. She started her personal finance blog, The Fiscal Femme, to share her passion for personal finance education in a fun and accessible way. Connect with Ashley on Google+.

John Schmoll

John Schmoll

John P. Schmoll is a former stock broker and longtime veteran of the financial services industry who authors personal finance guides on topics ranging from the wise use of credit to strategies for saving money and building personal wealth. His work has been featured on Forbes, Yahoo! Finance, CNBC, Fortune, Lifehacker, Investopedia, Lending Tree, and his personal blog, FrugalRules.com. Passionate about helping people learn from his mistakes, John shares financial tools and tips to help his audience enjoy the freedom that comes from living frugally and using credit responsibly.

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+.