The Ultimate Guide to Credit Cards
Thursday, March 20, 2025
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Studies by CardRates

Follow our latest personal finance studies, conducted through in-depth data analysis and nationwide surveys by our team of data analysts and research experts. Our team & methodology

Sourced by leading national news outlets

Erica Sandberg
Erica Sandberg

Finance Expert

Ashley Fricker
Ashley Fricker

Senior Editor

Jon McDonald
Jon McDonald

Managing Editor

To ensure our studies offer complete coverage of the industry and meet our rigorous editorial standards, we deploy a step-by-step methodology to each piece of research we publish.

1. Trend Analysis

Our team meets weekly to review and discuss current trends in the finance marketplace. Our team chooses a topic worthy of further research.

2. Survey Commission

The team then commissions a national survey on the topic with a leading polling organization. We use large representative sample sizes to ensure accurate of results.

3. Analysis of Results

Survey results are then passed to our team of personal finance experts for analysis and commentary.

4. Publishing of Findings

Our team then writes about the research findings and passes it through a two-tiered review by our editors. The findings are typically published exclusively on CardRates.com.

5. Public Release

Our team then notifies major media outlets and others in the finance industry as to the findings of our research.

6. Feedback

We integrate all feedback, questions, and commentary received from major media and external experts into our future research ideation.

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Survey Finds 84% Concerned About Banking Cybersecurity

Jon McDonald
Jon McDonald

By: Jon McDonald

Jon McDonald

Jon McDonald, Managing Editor

Jon McDonald brings more than 15 years of journalism expertise to CardRates.com. Informing financial consumers about emerging trends and companies making an impact in the industry, Jon is most knowledgeable in the areas of budgeting, credit card rewards, and responsible credit use; he strives to bring that experience to readers worldwide. Jon has a passion for writing and editing, and his articles have appeared in publications produced by The New York Times.

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Editor: Austin Lang

Austin Lang

Austin Lang, Marketing Editor

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.

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Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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From online-only banks to traditional brick-and-mortar locations, banking in America continues to evolve every day. CardRates recently surveyed more than 1,000 Americans from across the country... Read More »

America’s Banking Habits: Survey Finds 84% Concerned About Banking Cybersecurity
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... Read More »

Over 1 in 3 Parents Say They’re Skipping Holiday Traditions to Save on Costs

Over 1 in 3 Parents Skipping Costly Holiday Traditions

By: Jon McDonald 12/11/2024

Just when you’ve recovered from the annual overindulgence that is Thanksgiving, it’s... Read More »

Survey: 83% of Consumers Select Credit Cards Based on Perks, But Few Cardholders Use Them

83% of Consumers Want Credit Card Perks, But Few Use Them

By: Jon McDonald 12/9/2024

Credit cards have long been regarded as useful tools for consumers. They allow access... Read More »

Survey Reveals Cities Across America Where Residents Say the High Cost of Living Is Most Worth It

Survey: Where the High Cost of Living Is Most Worth It

By: Jon McDonald 12/2/2024

Manhattan, Miami, and Malibu are often cited among the most expensive — and most... Read More »

2024 Holiday Shopping: Nearly 1 in 4 Americans Expect to Go Into Credit Card Debt

Nearly 1 in 4 Shoppers Expect Holiday Credit Card Debt

By: Jon McDonald 11/13/2024

It’s the most wonderful time of the year! Or at the very least, it’s the busiest... Read More »

Survey: 3 in 4 Consumers Keep Unwanted Items Due to Complicated Return Policies

Survey: 3 in 4 Consumers Keep Items Due to Complicated Returns

By: Jon McDonald 10/29/2024

Shopping online is incredibly convenient, but what happens when purchases don’t meet... Read More »

Media Opportunities & Commentary

Our studies are covered regularly by major publications around the world. Contact our experts any time for media opportunities and additional commentary on any of our team's original research pieces.

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Price Perception: Survey Reveals Americans’ Wallets Feel Inflation is Double the Reality

Survey Reveals Americans’ Wallets Feel Inflation is Double the Reality

By: Jon McDonald 10/24/2024

The annual inflation rate currently sits at 2.5%. That’s actually the lowest it’s... Read More »

Airport Shopping Habits: 70% of Americans Make Impulse Purchases

Airport Shopping Habits: 70% of Americans Make Impulse Purchases

By: Jon McDonald 10/23/2024

If you’ve ever traveled by air, you’ve probably had one experience running through... Read More »

Survey: 85% of Online Shoppers Check Their Card Statements More Frequently Amid Rising Fraud Concerns

85% of Online Shoppers Check Card Statements Often Due to Fraud Concerns

By: Jon McDonald 10/21/2024

At the click of a button, online shoppers can browse, purchase, and have items... Read More »

Survey: 71% of U.S. Adults Suspect an Election Donation Request to Be a Scam

Survey: 71% of U.S. Adults Suspect Scam Election Donation Requests

By: Jon McDonald 9/25/2024

Scammers have mastered the art of pretending to be people, businesses, charity... Read More »

Survey Finds 43% of Americans Have Been Victims of Financial Abuse

Survey: 43% of Americans Have Been Financial Abuse Victims

By: Jon McDonald 9/19/2024

Have you ever been a victim of financial abuse? It’s when someone you know assumes... Read More »

Debt Dedication: The Average American Prepared to Work Over 6 Hours Overtime to Pay Off Credit Card Debt

Americans Prepared to Work Overtime to Pay Off Credit Card Debt

By: Jon McDonald 9/4/2024

For millions across the U.S., credit card debt is a daily burden. Whether it stems... Read More »

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