Garrett Yarbrough

Writer, Credit Cards
  • 4
    Years of experience
  • 86
    Publications Written
Ribbon EXPERTISE
  • Credit card strategy
  • Credit card comparisons
  • Credit card rewards
  • Building credit
  • Credit scores
Education 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 writes credit card reviews, comparisons and guides for Bankrate. He specializes in all things credit cards, and he has comprehensively researched the current market and past product offers for more than three years. Garrett thoroughly analyzes credit card terms, rewards programs, introductory offers and other card features to provide readers with the most insightful steps toward personal financial growth. He has also written and researched for major Bankrate features, including the latest credit card points and miles valuations, the 2022 through 2024 Bankrate Awards, the Spender Type tool, the Credit Utilization Calculator and the CardMatch™ Approval Odds tool.

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.

Send your questions about credit cards to gyarbrough@redventures.com.

Find Garrett 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

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 Picks

young lady paying at a counter of a store with a card
8 MIN READ

Merchant category codes: How to earn more cash back

Merchant category codes can help consumers earn more with rewards credit cards.

couple looking out at the view on a lake
9 MIN READ

How much are points and miles worth in 2024?

See how far your rewards can take you with our data-backed valuations.

Business Owner Paying Bills Online
18 MIN READ

Best credit cards for business expenses

We break down the best cards for business rewards and perks.

Woman looking at cell phone
5 MIN READ

Best credit cards with cellphone insurance

Theft, loss or damage to your phone can happen — consider a card that will cover it.

Garrett's latest articles

  • Chase Sapphire Reserve® Review

    This premier Chase card could be stellar for travelers who value luxury perks, but its high annual fee makes it a costly choice if you only travel occasionally.

    Apr 16, 2024

  • 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.

    Apr 16, 2024

  • American Express Gold Card Review

    It’s a lucrative card for food credits and valuable travel rewards on dining and U.S. supermarket purchases. However, it’s not the best for occasional travelers.

    Apr 15, 2024

  • 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.

    Apr 15, 2024

  • Mastercard® Gold Card™ Review

    The rewards might not be worth the annual fee compared to other premium cards, the exclusive travel benefits and 24K gold coat might be worth it for some.

    Apr 09, 2024