India is a former editor who joined the Bankrate team in 2021. No stranger to the highs and lows of debt and credit, she hopes to encourage people to explore all options on their financial literacy journey. She’s especially interested in creating content that offers debt relief guidance and Gen Z financial advice. She’s also developing a specialization in business credit cards for all types of small and medium business owners, from side hustlers to start-ups.
She began her editing career in 2016 at Georgia State University, becoming a Managing Editor for SAMLA News. She has also written for brands such as Business Insider and CNN with a focus on SEO and consumer-driven content.
When not working, India enjoys reading, finding new music, working on her master's degree and spending time with her dog.
India believes that the best credit card strategies stem from mindful and long-term thinking. For her, understanding her credit and its benefits didn’t happen overnight, but she made sure to look out for debt relief opportunities like 0% intro APR offers on credit cards and made sure to make on-time payments. This journey made her knowledgeable about the many ways to use credit cards to enjoy life without constant fear of debt.
Your finances don’t have to be perfect, but they do need to be consistently beneficial.
— India Davis
These are our picks for the best secured credit cards. A secured card can be helpful for those with bad credit or little credit history looking to repair or build their credit.
Higher spending businesses can reap major rewards for meeting spending incentives.
The Hilton Honors American Express helps you reap the most benefits from Hilton-related purchases.
The Mission Lane Cash Back Visa card for fair credit could be a great fit if you’re eager to earn rewards and avoid putting down a security deposit or paying a high annual fee.
Grocery shoppers will enjoy this as a solid beginner’s rewards card but upgrading or pairing with another Membership Rewards card is a must for decent rewards.
Its minimal costs and streamlined features better suit it as a supporting card, but Preferred Rewards status can make this one of the best flat-rate rewards business cards.
Discover’s sole travel card is a great starter value if you want versatile travel rewards, but many competitors may benefit you more with beefier travel perks.
The TD Bank FlexPay has a long intro APR offer and a great list of Visa perks but lacks rewards.
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