The Ultimate Guide to Credit Cards
Friday, June 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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Twice as Many Consumers Support the Capital One–Discover Merger Than Oppose It

Lynn Cadet
Lynn Cadet

By: Lynn Cadet

Lynn Cadet

Lynn Cadet, Staff Writer

Lynn Cadet, a graduate of the University of Florida, is a professional writer specializing in research-driven content and consumer survey analysis. With extensive experience in crafting detailed reports on emerging trends, she is committed to delivering fact-based insights that inform and engage readers. As a Staff Writer and Research Assistant for CardRates, Lynn translates consumer survey data into comprehensive reports, highlighting key financial developments and emphasizing consumer perspectives.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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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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Capital One finalized its long-awaited $35.3 billion acquisition of Discover on May 18, 2025, and now controls the largest share of the credit card issuing market, placing it at the top of the... Read More »

Twice as Many Consumers Support the Capital One–Discover Merger Than Oppose It
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... Read More »

4 in 10 Americans Would Permanently Delete Social Media to Eliminate Their Crushing Debt

Survey: 4 in 10 Would Permanently Delete Social Media to Get Out of Debt

By: Lynn Cadet 5/1/2025

Forget balance transfers or debt payoff plans — some Americans say they’d rather... 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... 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... 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... 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 »

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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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 »

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 »

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