Garrett Yarbrough wrote credit card reviews, comparisons and guides for Bankrate and CreditCards.com. He comprehensively researched the market for more than five years, and specialized in evaluating the potential and personal value of credit cards for real people by providing the most insightful steps toward finding the best credit card — and personal financial growth at the end of the day.
He used his firsthand expertise and years of analysis to write and research for major Bankrate features, including Bankrate’s Best Credit Cards page, the latest credit card points and miles valuations, the Spender Type tool, the Credit Utilization Calculator and the CardMatch™ and Approval Odds tools.
Prior to joining Bankrate, Garrett worked as a copywriter at an ad agency, and then as a freelance writer. He joined NextAdvisor.com in 2020, where his credit card, credit monitoring and identity theft analysis were regularly featured.
When he’s not reviewing credit cards or detailing the latest developments in Bankrate’s best cards, you can find Garrett traveling, reading and stopping at every niche museum he sees along the highway.
Beyond Bankrate
As someone who began their personal finance journey not too long ago, I’ve seen firsthand the many credit-related misconceptions that family, friends and other credit builders hold. I noticed these stumbling blocks led several loved ones to avoid credit cards and base important life decisions on popular financial misinformation.
Using my background in analytical research and user-focused writing, I strive to make navigating credit cards and credit building smooth sailing for others who are new to credit.
How to choose the right credit card
Rethinking credit: Tips for first-generation credit users
How to maximize your credit card rewards
Under-the-radar credit card perks you should know
Merchant category codes: How to earn more cash back
How much are points and miles worth in 2023?
Sifting through reward program, sign-up bonus or card feature terms can feel overwhelming for even credit card veterans. As a Bankrate writer, I’ve seen how translating fine print into actionable advice can help cardholders evaluate their most valuable options and build a stronger financial future.
— Garrett Yarbrough
Grocery rewards cards earn cash back or points on your essential everyday purchases at the supermarket. We’ll help you sort through all the options to see which one is right for you.
No annual fee and solid cash back make this one of the best Credit One cards, but it still merits trading up when you’re able.
The Credit One Bank® Platinum X5 Visa® has an alluring cash back rewards rate, but the $95 annual fee and restrictive card terms can take a toll if you’re building credit. Read a full review here.
The Bank of America Unlimited Cash card is par for the course but can be top-tier if you have enough money for elite Preferred Rewards status.
This hybrid credit card/personal loan packs in plenty of features and could be a standout option for rewards seekers looking for an easy-to-use flat-rate card
Our credit utilization calculator quickly determines your ratio of available credit and delivers the next steps to improve your credit score.
See 2024 Bankrate Award winners and learn which make sense for your goals and spending habits. Find cards for everyday use, travel, dining and more.
Compare credit cards side-by-side. See your card matches. Answer a few quick questions and we'll show you your top credit card options.
We appreciate your feedback
Thank you for taking the time to share your experience.
