Holly D. Johnson

Author, Award-Winning Writer

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.

Recent Articles By Holly D. Johnson

  • Credit Cards

    Guide to Marriott Bonvoy

    Here’s how frequent hotel-goers can earn and redeem rewards points with Marriott Bonvoy.

    8 MIN READ Apr. 9, 2021
    Four Points by Sheraton hotel room
  • Credit Cards

    How to use the Chase Sapphire Reserve travel credit

    The $300 annual travel credit for Chase Sapphire Reserve cardholders can be applied to almost any travel purchase you make with your card, and it’s added to your account automatically.

    3 MIN READ Mar. 30, 2021
    Young businessman purchases plane ticket at airport