Chase Freedom Flex Review
The Chase Freedom Flex card is at the top of the cash back game. Its familiar rotating categories are paired with year-round earning categories to ensure maximum rewards.
11 min read
Sep 01, 2026
Garrett Yarbrough
Former Writer, Credit Cards
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6Years with Bankrate
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100+Publications written
EXPERTISE
- Credit card
- Rewards credit cards
- Credit card comparisons
- Balance transfer credit cards
- Building credit
EDUCATION
- Bachelor of Arts in English, Certification in Business and Technical Communication, Creative Writing minor | East Carolina University
- Bachelor of Arts in History | East Carolina University
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.
Garrett beyond Bankrate
Beyond Bankrate
Garrett wants you to know
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.
Garrett’s recommended readings
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
Garrett's latest articles
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Delta Reserve® for Business Credit Card from American Express Review
The Reserve Business card offers Delta’s premier travel experience, but it may only be worth it for select business travelers.
7 min read Aug 28, 2026 -
The Blue Business Plus Credit Card from American Express Review
The Blue Business®️ Plus Credit Card from American Express as a decent interest-free period and an acceptable welcome offer for a card with no annual fee.
12 min read Aug 28, 2026 -
TD Double Up Credit Card
This card offers a top-tier flat cash back rate, but its limited availability and mediocre sign-up bonus may limit its appeal.
11 min read Aug 17, 2026 -
Citi Prestige Card Review
The Citi Prestige is a very competitive travel rewards cards for consumers who travel frequently and have excellent credit.
12 min read Aug 17, 2026 -
Citi Custom Cash® Card Review
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.
12 min read Aug 17, 2026 -
Citi Simplicity® Card Review
The Citi Simplicity® Card offers one of the longest zero-interest periods of any balance transfer credit card. You could save hundreds by consolidating debt with this card.
10 min read Aug 17, 2026 -
Citi Double Cash Card Review
The Citi Double Cash has a simple rewards structure that offers great value on everyday spending.
12 min read Aug 17, 2026