The Ultimate Guide to Credit Cards
Tuesday, July 7, 2026

Austin Lang

Marketing Editor
Austin Lang

About The Author

Austin Lang has worked in writing and academia for more than a decade. He previously taught writing at Florida Atlantic University, where he graduated with a Master’s degree in English. His past experience includes editing and fact-checking more than 500 scientific papers, journal articles, and theses. As the Marketing Editor for CardRates, Austin leverages his research experience and love for the English language to provide readers with accurate, informational content.

Latest Posts

Worked On 81 Articles To Date
64% of Americans Leave Vacation Perks Untapped, Pass on Travel Cards

64% of Americans Leave Vacation Perks Untapped

By: Lynn Cadet 5/28/2025

While millions prepare to book their summer vacations, few are reaching for their travel cards to do so... Read More »

Financial Blind Spot: Nearly 70% of Americans Unaware of CFPB’s Role

Nearly 70% of Americans Are Unaware of CFPB’s Role

By: Lynn Cadet 4/17/2025

The Consumer Financial Protection Bureau (CFPB) is fighting for its life as the Trump administration... Read More »

What is a Card Not Present (CNP) Transaction? When Consumers Make Purchases Without Swiping

What is a Card Not Present (CNP) Transaction?

By: Eric Bank 4/9/2025

As part of my research for this article, I reviewed my credit card usage and found that about 75% of my... Read More »

What is a Co-Branded Credit Card? A Guide to Loyalty-Based Rewards Cards 

What is a Co-Branded Credit Card?

By: Eric Bank 4/8/2025

Half the credit cards in my wallet are co-branded. They include cards for a hotel chain, a gas station... Read More »

What Is a Digital Wallet? How the Technology Makes Credit Card Payments More Secure and Convenient

How Digital Wallets Work

By: Eric Bank 3/17/2025

Back in the day, I always used to fish out a credit card when paying at a store or restaurant. For a long... Read More »

What Does No Preset Spending Limit (NPSL) Mean?

What Is a No Preset Spending Limit Card?

By: Eric Bank 3/13/2025

Credit cards with no preset spending limits (NPSL) may sound like a dream. The concept itself is alluring... Read More »

America’s Banking Habits: Survey Finds 84% Concerned About Banking Cybersecurity

Survey Finds 84% Concerned About Banking Cybersecurity

By: Jon McDonald 3/6/2025

From online-only banks to traditional brick-and-mortar locations, banking in America continues to evolve... Read More »

Vanity Values: Survey Reveals the Top Social Status Symbols in Each State

Survey: The Top Status Symbols in Each State

By: Jon McDonald 2/3/2025

Think about an expensive Hermès handbag. It’s something that screams wealth and status, but in reality... Read More »

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