Toby Sembower has been a leading expert on credit cards since 2004, disseminating advice, reviews, and credit card comparisons to audiences of millions in that time.
A frequent contributor at CardRates.com, Toby's work has also appeared on Yahoo! Finance, CreditCards.com, Entrepreneur.com, BadCredit.org, and many other popular 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 conversations with card issuers (Chase, Capital One, Bank of America, and others) enable him to give readers unique insights into the credit card marketplace.
Toby holds degrees in business administration and public relations from the University of Florida. Today, Toby is president of Digital Brands, a company that provides online advice and comparisons to millions of consumers on personal finance, tech, and lifestyle topics.