Review Board

Expert advice from a team you can trust.

Our review board is a mix of internal and external financial experts with extensive experience in personal finance. This team works together to hold us accountable for publishing content that’s trustworthy and make sure we're giving you honest, accurate information.

Together, this board reviews our content to ensure we're covering the information that's most impactful for you, our readers. The board’s main objectives are to identify and suggest tweaks to make sure our advice is most accurate and up-to-date available, provide clarity to nuanced topics, and identify any additional context necessary to our articles and reviews to help inform our readers.

With the help of our review board, you can feel confident that everything you read on our site—and especially pieces marked with a badge—is accurate and will help you make better financial decisions.

Our review process

This is how we make sure that our content is accurate and helpful in articles that we feature on our site.


Article submission

Our talented credit card writers and reporters submit their work for publication and expert review.


Expert review

Our board of experts reviews the pieces and makes suggestions for corrections and edits within two weeks of publication.


Content updates

The writer and editor incorporate the expert reviewer feedback to make the pieces even better.



After final approval, the updated content is published with a special "Reviewed" badge, so you know you can trust the information.

Our expert network

The reviews provided by members of our outside network ensure that our information is accurate, current, and helpful to our audience. These experts bring extensive knowledge and perspective on credit cards from their years of experience within the industry.

Erica Sandberg

Small Business Credit Expert Contributor

Erica Sandberg is a credit and money management expert who began her career at Consumer Credit Counseling Service (CCCS). There, she helped individuals and families overcome their debt issues and developed budgets, then transitioned into the agency’s primary media spokesperson.

More about Erica

Sally Herigstad

Personal Finance, Taxes and Debt Expert Contributor

Sally Herigstad is a personal finance writer, columnist, author and retired CPA. She wrote a column called “To Her Credit” for 10 years, answering readers’ questions about credit, debt, finances and family relationships, and more. With a background in public accounting, she joined the personal finance team at Microsoft in 1998. She has been working to help people take control of their finances ever since.

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John Egan

Credit Cards, Insurance and Personal Finance Expert Contributor

John Egan is a freelance writer and content marketing strategist in Austin, Texas. He specializes in content focusing on personal finance, real estate and health and wellness. Among the outlets where John’s work has appeared are, Bankrate, Forbes Advisor, Experian and U.S. News & World Report. He is the former editor-in-chief of the Austin Business Journal.

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Jason Steele

Points and Miles Expert Contributor

Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.

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Stephanie Zito

Travel Rewards Expert Contributor

Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!”, and her mission is to inspire others along the journey.

More about Stephanie

Bruce McClary

Personal Finance and Credit Expert

Bruce McClary is the Senior Vice President of Communications for the National Foundation for Credit Counseling® (NFCC®). He has provided one-on-one financial counseling to thousands of consumers and trained financial educators while reaching millions more through print and broadcast media.

More about Bruce

Thomas Nitzsche

Sr. Director of Media and Brand

Thomas Nitzsche is Sr. Director of Media and Brand at Money Management International (MMI), the largest provider of nonprofit financial counseling and education in the United States.

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Todd Christensen

Education Manager

As an author, speaker, financial educator, and education manager for the Money Fit Academy, Todd Christensen develops financial education programs and provides credit and debt counseling for individuals and groups around the country.

More about Todd

Our review team

Our editorial team has been reviewing cards and covering the industry for over 17 years. As part of our company, the review team is committed to ensuring accurate, trustworthy content.

Antonio Ruiz-Camacho

Former Senior Director of Content

Antonio Ruiz-Camacho is senior director of content for and Bankrate Credit Cards. He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration. At and Bankrate Credit Cards, he leads an editorial team responsible for creating educational, product and transactional content that helps consumers improve their lives by maintaining strong credit and learning how to use credit cards as a tool for financial progress.

More about Antonio

Brady Porche

Former Editorial Director

As a personal finance writer and editor, Brady’s goal is to break down complex credit card topics in a way that helps consumers make the best decisions for their finances – whether it’s choosing the best cards for their spending needs, getting out of debt, starting a business or planning a dream vacation with points and miles.

More about Brady

Emily Sherman

Product News and Recommendations Senior Editor

Emily Sherman is an editor for and Bankrate Credit Cards, specializing in product news and recommendations. She has worked as a writer and editor in the credit cards space for three years, covering any and all topics related to how cards work, rewards programs, card benefits, travel, cash back and more.

More about Emily

Margaret Drummond

Director of Content

Margaret Drummond is a personal finance expert focused on creating content that helps consumers increase financial wellness, wherever they are in their individual journey. Before she joined the editorial team, she was a financial adviser at Merrill Lynch. She enjoys making the seemingly complex world of personal finance accessible to everyone.

More about Margaret

Jeanine Skowronski

Senior Editor

Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.

More about Jeanine

Tracy Stewart


Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.

More about Tracy

Poonkulali Thangavelu

Senior Reporter

Poonka Thangavelu has extensive journalism experience covering personal finance and business topics. She draws on her financial expertise (she holds an MBA degree, with finance and marketing concentrations, as well as a BA in economics from accredited Indian universities, in addition to an M.A. in journalism from the University of Mississippi, where she was awarded a graduate assistantship) and likes to simplify the subject matter to enable readers to make good decisions.

More about Poonkulali

Nouri Zarrugh

Credit Cards Editor

Nouri Zarrugh is a writer and editor for and, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by, LifeHacker, and more.

More about Nouri

Ana Staples

Products Reporter And Young Credit Analyst

Ana Staples is a reporter for and an expert on all things credit basics and personal finance for the younger generation. She has two expert columns that aim to offer financial education and encouragement to young people: “Swiping Right” on and “Green & Growing” on Bankrate. Ana also covers credit card news and discusses women’s finance on To Her Credit.

More about Ana

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