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.
The TD Bank FlexPay has a long intro APR offer and a great list of Visa perks but lacks rewards.
These cards for bad or fair credit can help drive down the cost of your next trip.
Though the First Progress Platinum Prestige charges a very low variable APR and you won't need a credit history for quick approval, its $49 annual fee doesn't offset the cost compared to competing cards' advantages.
The Bank of America Consumer Payments Prepaid Card is unique because this card is given to you by a sponsor, whereas you can sign up for other types of prepaid debit cards yourself.
The Capital One Walmart Rewards Mastercard could be the right choice for you if you spend heavily on groceries or online shopping where you can earn cash back rewards.
The Ink Business Premier® Credit Card, Chase’s latest addition to their portfolio of business credit cards, comes with a $195 annual fee and includes unique features along with a few drawbacks.
Tailored to Amazon Prime business owners, this American Express lets you earn 5 percent cash back on all Amazon purchases.
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