Our Editorial Integrity Process

At CardRates.com, we are committed to delivering accurate content guided by strict editorial guidelines so you can view our advice and content with confidence. Before our articles are published on our website, they undergo the following process to maintain the editorial integrity and accuracy of our content.

Editorial Guidelines

1) Reviewed by CardRates.com Staff

Each article is reviewed by three CardRates.com staff members – one writer and two editors.

2) Reviewed by 3rd Party Compliance Networks

Each article is also reviewed by 3rd party neutral compliance networks.

3) Reviewed by Credit Card Issuers

Each article is also reviewed by issuers themselves such as Discover, Chase, and Capital One to ensure 100% accuracy.

4) Offers Updated Regularly for Accuracy

The precise terms of each offer are updated via an automated feed from the issuers hourly, to further ensure up-to-the-minute accuracy.

5) Article is Published

Once the article has been reviewed by the preceding parties, it is published on CardRates.com. Offers in the article continue to be updated via the automated feed.

General Editorial Guidelines

In addition to our editorial integrity process, our writers adhere to the following editorial guidelines:

  • Editorial content must be accurate, clear and factual.
  • Editorial content containing financial offers are updated regularly to ensure accuracy.
  • Editorial content containing reviews of credit cards and other financial services are reviewed objectively based on the actual features of the product.
  • CardRates.com’s editorial staff is separate and independent of its advertisers.
  • CardRates.com’s editorial staff does not receive any compensation directly from advertisers.
  • Writing favorable or unfavorable reviews for products or partners is not a factor in staff evaluations or performance reviews.
  • Our editorial integrity process ensures that content is not compromised by advertiser influence.
  • CardRates.com’s editorial staff consists of professional writers who have strong backgrounds in personal finance and related topics. Many of our writers are leading experts who appear in credible national outlets such as CNN, ABC, The Wall Street Journal, Forbes, The New York Times, and more.

Meet Our Editorial Team

Learn more about the people who create content for CardRates including their background, experiance and media appearances.

John Ulzheimer

John Ulzheimer

The Wall Street JournalNBCThe New York Times

John Ulzheimer is an expert on credit reporting, credit scoring, and identity theft. The author of four books on the subject, Ulzheimer has been featured thousands of times in media outlets including the Wall Street Journal, NBC Nightly News, New York Times, CNBC, and countless others.

With 27 years of credit related professional experience, including with both Equifax and FICO, Ulzheimer is the only recognized credit expert who actually comes from the credit industry.

He has been an expert witness in over 325 credit related lawsuits and has been qualified to testify in both federal and state courts on the topic of consumer credit. In his hometown of Atlanta, Ulzheimer is a frequent guest lecturer at the University of Georgia and Emory University's School of Law.

The Wall Street JournalForbesNBC Nightly NewsThe New York Times
Andrea Woroch

Andrea Woroch

CNNABCThe Today Show

Andrea Woroch is a nationally recognized consumer finance expert, writer, and TV personality who is passionate about helping families find simple ways to spend less and save more without making major sacrifices. Her practical budgeting and savings advice has helped millions of Americans initiate real financial change so they can stress less and spend more time doing the things they love.

As a go-to media expert, Andrea has appeared on popular TV shows such as Today, Good Morning America, FOX & Friends, Dr. OZ, CNN, and MSNBC. Her work has been featured in the The New York Times, USA Today, Forbes, Reader’s Digest, Cosmopolitan, Money, Time, Woman’s Day, Yahoo, among other outlets.

Andrea hosts a monthly money segment on KTLA Morning News in Los Angeles.

CNNThe New York TimesABCKiplinger
Marcie Geffner

Marcie Geffner

FoxYahoo!The Washington Post

Marcie Geffner is an award-winning reporter, editor, and writer. Her stories about banking, credit cards, insurance, economics, small business, and other subjects have been featured by the Los Angeles Times, Washington Post, Bankrate, Credit Karma, Bookmarks Magazine, FOX Business, CNBC, Yahoo! Finance, and dozens of major U.S. newspapers.

Her articles have been cited in seven nonfiction books and two U.S. Congressional hearings. She edits nonfiction, memoir, and fiction, and contributes to Kirkus Reviews. Marcie holds a bachelor’s degree in English from UCLA and MBA from Pepperdine University.

Fox BusinessYahoo! FinanceCNBCThe Washington Post
Erica Sandberg

Erica Sandberg

MarketWatchForbesThe Wall Street Journal

Erica Sandberg is a consumer finance expert and journalist whose articles and insights are featured in publications such as the Wall Street Journal, Reuters, MarketWatch, Forbes, and MSN Money.

An experienced media host, she's led many financial programs, including her podcast, "Adventures With Money." She's appeared on Fox, CNN, "EconTalk" and "The Dr. Drew Podcast," and has been the resident money and credit authority for KRON-4 News in San Francisco for more than 10 years. Her book "Expecting Money: The Essential Financial Plan for New and Growing Families" was first released in 2008, and the 2017 edition is out now.

MSN MoneyReutersThe Wall Street JournalMarketWatch

Contributing Experts

Stefanie O'Connell
The Wall Street JournalNBC's TodayABC

Stefanie O'Connell

Stefanie O'Connell is a New York City personal finance writer who lives by making her budget stretch. She shares financial planning, investing, and spending advice with national media outlets, including Bustle, US News and World Report, GoBankingRates, Intuit, CBS News, The Dr. Oz Show, and numerous other finance sites, shows, and podcasts. A graduate of New York University, Stefanie discovered the world of financial planning out of necessity. Her passion lies in helping millennials “develop rich habits” they can use for life.

Aaron Crowe
AOLUS News & World ReportBusiness Insider

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, U.S. News & World Report, Wells Fargo, WiseBread, AARP, and many insurance and investing sites. He is a self-proclaimed storyteller who enjoys explaining — in layman's terms — personal finance and how it affects consumers’ lives. Aaron has several years’ experience working as both a reporter and editor in newspapers where he won several awards, including a Pulitzer Prize.

Eric Bank
Credible.comHouston ChronicleZacks

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, WiseBread, The Nest, Get.com, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

Linsey Knerl
TimeMSNInvestopedia

Linsey Knerl

Linsey Knerl is a finance author and public speaker with a passion for helping everyday families earn more and live better. Her work can be seen in Investopedia, PC Mag, The Christian Science Monitor, TIME, Wise Bread, Next Avenue, MSN Money, and numerous other leading outlets. Her expertise lies in business economics, credit scores and reports, and saving and budgeting. Linsey has shared her financial knowledge with audiences at SXSW, FinCon, and the ASJA annual NYC convention.

John Schmoll
ForbesNBCYahoo!

John Schmoll

John P. Schmoll is a 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. John shares financial tools and tips to help his audience enjoy the freedom that comes from living frugally and responsibly.

Scott Sheldon
The Wall Street JournalCNNFox

Scott Sheldon

Scott Sheldon is senior loan officer and consumer advocate whose work has appeared in publications such as Yahoo! Homes, CNN Money, MarketWatch, Business Insider, Zillow, Fox Business News, and The Wall Street Journal. An expert on mortgages and various housing costs, Scott's advice helps current and prospective homeowners make the most of their budgets and navigate the complicated jargon of the home lending industry.

CardRates.com Staff

Toby Sembower

Toby Sembower

Chief Executive Officer

Toby is the CEO and founder of CardRates, and lends his 15 years of experience in the credit card industry to help better educate consumers on the responsible use of credit. Toby oversees the site's editorial policies and leads new projects and initiatives for the site.

Ryan Frankel

Ryan Frankel

Chief Technology Officer

Ryan runs the design and development teams at CardRates. He serves as the company's CTO and brings his background in analytics, algorithms, and implementation to the site. With our focus on achieving 100% compliance and delivering the most advanced technology available, our team is constantly knee-deep in code.

Danielle Spurlin

Danielle Spurlin

Operations Manager

As Operations Manager at CardRates, Danielle uses her professional background and years of experience in accounting and finance to carry out her bookkeeping and revenue tracking responsibilities. Her passion for accuracy and keen attention to detail help ensure every dollar and cent is properly accounted for.

Lillian Guevara-Castro

Lillian Guevara-Castro

Content Editor

Lillian is a Content Editor who brings her journalism experience in business and consumer finance to ensure CardRates news articles and reports have been edited for overall clarity, accuracy, and reader engagement. Her primary goal is to assure editorial content meets the highest level of quality and precision.

Adam West

Adam West

Content Editor

As Managing Editor for CardRates, Adam oversees content and regularly interviews some of the payments industry's biggest influencers and decision-makers so our site can bring high-quality and engaging stories to our audience and keep readers informed on the latest trends and technology in the space.

Jon McDonald

Jon McDonald

Content Editor

As a Content Editor at CardRates, Jon keeps consumers informed about emerging trends and the companies impacting the financial services industry. He is most knowledgeable in the areas of budgeting, credit card rewards, and responsible credit use, and strives to connect readers with the resources and expertise they need.

Ashley Dull

Ashley Dull

Media Relations

Ashley is the Media Relations Coordinator at CardRates, formerly our Editor in Chief. She now creates national media campaigns for the site, leveraging years of industry knowledge acquired through regular collaboration with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets.

Matt Walker

Matt Walker

Industry Analyst

Matt is a CardRates Contributing Editor who uses his journalism background to craft engaging feature articles on the latest technologies, trends, and companies making waves in the finance industry. Matt’s areas of expertise include credit cards, budgeting, cryptocurrencies, and emerging technologies in the world of finance.

Brittney Mayer

Brittney Mayer

Credit Analyst

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.