Learn about balance transfer fees is and how they affect your payments.
About the author
"I write expert content with the goal of helping consumers make the most of their credit, their money and their lives." - Holly Johnson
- Author of personal finance book “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love," available on Amazon
- Best Contributor/Freelancer at the 6th Annual Plutus Awards
- Frequent consultant for the credit card industry and loyalty programs
- Provides expert commentary on credit cards for publications like New York Magazine, Time Magazine, CNBC, Reader's Digest and more
Holly Johnson began her career working in the funeral industry, which may make you wonder why she works in personal finance now. Yet, the funeral industry taught the author everything she needs to know about the value of one's money and time. Johnson left the mortuary business a decade ago in order to explore her passion for personal finance and travel the world, and since then, she and her husband have built a debt-free lifestyle that has them on the path to retire very wealthy in their 40s. Holly's love of budgeting also led to the creation of her debt payoff book, “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
Currently, Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
Johnson attended Ball State University in Muncie, Indiana.
Holly's Latest Articles
6 min read Jun 11, 2021
The Citi Double Cash Card has an intriguing 0 percent APR offer as well as an exceptional rate of cash back. Find out how this card’s benefits stack up, and how to maximize its perks.4 min read Jun 11, 2021
Make the most of your Discover it Cash Back rewards this quarter with Bankrate’s guide.6 min read Jun 11, 2021
The length of your program depends on the career you want to pursue.4 min read Jun 10, 2021
The Citi Double Cash Card gives consumers both cash back rewards and a 0 percent APR offer for balance transfers. Find out if this card is worth it and who should use it.4 min read Jun 10, 2021
Our updated guide explains refund guidelines and elite status requirements for airlines in 2021.8 min read Jun 09, 2021
Our comprehensive guide aims to keep you up-to-date on the best credit card bonus offers and seasonal promotions.10 min read Jun 09, 2021
How many credit cards is too many? This comprehensive guide will help you decide.5 min read Jun 09, 2021
Whether you want 0 percent APR for purchases or balance transfers, the Citi Diamond Preferred Card should be on your list. Find out this card’s pros and cons and how much you could save if you use i [...]4 min read Jun 08, 2021
Unlike a late payment, true default comes with consequences that can last for years.6 min read Jun 07, 2021