The Ultimate Guide to Credit Cards
Monday, November 28, 2022

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Toby Sembower

Written by: Toby Sembower

Toby Sembower

Toby founded Digital Brands, the parent company of CardRates.com and its sister sites, and now serves as Chairman of the Board. He lends his 15 years of credit card industry experience to educate consumers on the responsible use of credit. His knowledge base spans credit card reward programs to credit repair, lending, and credit bureau reporting.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

We aim to be the top resource on credit cards, and we need your feedback on how we’re doing. Please take a minute to review us and you can win $250. Only 50 entries will be accepted.

Step 1: Submit Your Email Address

No spam whatsoever. We’ll only email if you win.

Step 2: Review Us on TrustPilot

One more step! To complete entry, you must submit your review of CardRates.com now:

  • Are we a “5-star” site? (we hope so!)
  • Review must be 15+ words and thoughtful/relevant.
  • Discuss our resources for credit cards, financial news, guides, etc.
  • Is our site easy to use? Do you like its design?

After submitting your email, you’ll then be asked to rate us and provide a 15-word (or longer) review of our site. Simple! And again, we’ll never email you unless you win the $250.

This will be a short contest, as we expect to hit the 50-entry limit very quickly. The winner will be chosen randomly and sent an an email alert once we reach 50 total entries. By entering, you are agreeing to abide by our very simple Contest Rules. Thanks in advance for your awesome review of CardRates.com, and good luck winning the $250 large!

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.