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

Woman looking at cell phone
5 MIN READ

Best credit cards with cellphone insurance

Protect your phone with the best credit cards for cellphone insurance.

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
19 MIN READ

Best credit cards for business expenses

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

Garrett's latest articles

  • Citi® Secured Mastercard®

    No annual fee and a comparatively low ongoing APR make it a good choice for Citibank members, but there are more competitive cards.

    8 min read Aug 13, 2024

  • Capital One Spark Cash Plus

    The Capital One Spark Cash for Business Plus is ideal for business owners who want rewards for their spending but have no time for rewards categories.

    11 min read Aug 13, 2024

  • Chase Freedom Flex℠

    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.

    13 min read Aug 09, 2024

  • Upgrade Cash Rewards Elite Visa®

    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

    19 min read Aug 07, 2024

  • Credit One Bank® Platinum X5 Visa®

    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.

    11 min read Aug 02, 2024

  • Chase Sapphire Reserve®

    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.

    21 min read Aug 02, 2024