Wells Fargo Platinum card Review
The Wells Fargo Platinum card is a no-frills option for consolidating and paying down your existing debt.
7 min read
Sep 12, 2025
Garrett Yarbrough
Former Writer, Credit Cards
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5Years 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 hub, 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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Wells Fargo Reflect® Card review
The Wells Fargo Reflect offers perhaps the longest intro APR period on purchases and qualifying balance transfers, but always pay on time to keep this stellar intro APR.
10 min read Sep 12, 2025 -
Citi Double Cash Card Review
The Citi Double Cash has a simple rewards structure that offers great value on everyday spending.
14 min read Sep 10, 2025 -
Wells Fargo Active Cash® Card review: Consistent cash rewards is king
This top-notch, flat-rate card is more well-rounded and streamlined than rivals, making it a solid standalone or partner rewards card.
10 min read Sep 08, 2025 -
Amex® Everyday Preferred Credit Card review
Although it isn’t a true a travel and cash back combo card, the Amex Everyday Preferred is a fantastic tool to collect Membership Rewards on groceries and gas between trips.
7 min read Sep 05, 2025 -
Citi® Secured Mastercard® review
No annual fee and a comparatively low ongoing APR make it a good choice for Citibank members, but there are more competitive cards.
3 min read Sep 05, 2025 -
Upgrade Elite Cash Rewards Visa® Review: Contender for best flat cash back rate and long-term purchase payoffs
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
18 min read Sep 05, 2025 -
Does applying for a credit card hurt your credit?
To process a credit card application, issuers will do a hard inquiry on your credit.
6 min read Aug 25, 2025