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.
Perfect for those looking for a no-fuss way to earn rewards, this card lets you earn an unlimited 1.5% cash back on every purchase.
The new and improved cash bonus provides more upfront value if you don’t need 0 percent APR, but this business rewards card still doesn't pack quite the same punch as others.
The Chime Credit Builder Secured Visa® Credit Card is a low-cost card that could make building credit more accessible.
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.
Get objective reviews and advice from Bankrate experts on the best Discover credit cards for the year 2025. We'll help you find the card best suited for your needs.
The Citi Custom Cash card’s fresh take on 5 percent cash back rewards your biggest expenses each billing cycle and richly complements your other Citi cards.
The Reserve Business card offers Delta’s premier travel experience, but it may only be worth it for select business travelers.
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