The Ultimate Guide to Credit Cards™
Thursday, October 8, 2026
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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

Yahoo Finance
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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20 Eye-Opening Identity Theft Statistics

Andrew Allen
Andrew Allen

By: Andrew Allen

Editor: Ashley Fricker

Reviewer: Adam West

Anyone who’s ever been a victim of identity theft knows what a hassle it can be. Even if you don’t end up losing a big sum of money as a result of identity theft, simply dealing with any issues... Read More »

20 Eye-Opening Identity Theft Statistics (2026)
50% of NFL Fans Took on Debt or Made Financial Sacrifices for Football

50% of NFL Fans Took on Debt or Made Financial Sacrifices for Football

By: Lucy Lazarony • 10/5/2026

For avid NFL fans, cheering on a favorite team means taking on several recurring... Read More »

37 Fascinating Credit Card Rewards Usage Statistics for 2026

37 Fascinating Credit Card Rewards Usage Statistics

By: Erica Sandberg • 9/28/2026

Who doesn’t want to be rewarded for their work? And if work means spending with your... Read More »

The Best and Worst States for Stretching Middle-Class Earnings

The Best and Worst States for Stretching Middle-Class Earnings

By: Lucy Lazarony • 9/17/2026

So much of conventional wisdom says that to get ahead financially, you need to earn... Read More »

20 Must-Know Credit Card Minimum Payment Statistics

20 Must-Know Credit Card Minimum Payment Statistics

By: Zina Kumok • 9/16/2026

When you have a credit card bill, you often see several figures, including the... Read More »

19 Revealing Credit Card Charge-Off Rate Statistics

19 Revealing Credit Card Charge-Off Rate Statistics

By: Zina Kumok • 9/14/2026

If you have trouble paying your credit card bills, your credit card issuer may... Read More »

The Warehouse Club Trap: 65% of Parents Charge More Than They Can Pay Off

Parents Turn to Warehouse Clubs to Save, but 65% of Members Have Charged Purchases They Couldn’t Immediately Pay Off

By: Lucy Lazarony • 8/27/2026

For many families, the warehouse-club run is no longer just about filling up the... 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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40% of Cannabis Users Bought Something They Regretted While High

40% of Cannabis Users Bought Something They Regretted While High

By: Lynn Cadet • 8/13/2026

Shopping decisions made while high do not always look as appealing the next day. A... Read More »

76% of Host City Residents Say Prices Have Jumped Since the World Cup Began

3 in 4 Host City Residents Say World Cup Raised Prices

By: Lynn Cadet • 7/13/2026

For FIFA™ World Cup host cities, the tournament has brought excitement, an influx of... Read More »

Where Middle-Class Earnings Go Furthest in America’s Midsize Cities

Where Middle-Class Earnings Go Furthest in America's Midsize Cities

By: Lynn Cadet • 6/18/2026

If you follow any financial advice online, you might hear that a raise or increasing... Read More »

1 in 3 Americans Would Let AI Use Their Credit Card to Book a Trip

1 in 3 Americans Would Let AI Use Their Credit Card to Book a Trip

By: Lynn Cadet • 6/3/2026

Summer travel is getting more expensive. Rising fuel prices have sent U.S. flight... Read More »

Where Middle-Class Earnings Go Furthest in America’s Largest Cities

Where Middle-Class Earnings Go Furthest in America’s Largest Cities

By: Lynn Cadet • 5/19/2026

In the era of stagnant wages and rising costs, middle-class Americans facing... Read More »

Beyond the Parade: The Cities That Honor Veterans Every Day, Not Just Memorial Day

Where Veterans Thrive Financially: Top U.S. Cities

By: Lynn Cadet • 4/30/2026

With Memorial Day quickly approaching, millions of Americans are getting ready to gas... Read More »

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