Your finances don’t have to be perfect, but they do need to consistently benefit you.
— India Davis
India is an Editor and 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 consistently benefit you.
— India Davis
The My GM Rewards Card earns high-throttle rewards on GM purchases and everyday spending, but the card’s red tape and niche redemption options may limit its appeal, even to GM fans.
A solid prepaid card—although kept nearly identical to Netspend cards—but upgrading to a debit or credit card is still worthwhile.
The Ritz-Carlton Rewards Credit Card can be well worth the substantial price of ownership as long as you make sure you maximize all the benefits it offers.
The Ink Business Unlimited card's flat-rate rewards are great for startups without specialized spending.
A guide for avoiding stress and maximizing cash back despite this year’s holiday shopping challenges.
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The Double Cash card helped ease me into the credit cards world and earn rewards without putting in too much effort.
Would the Citi Custom Cash or Citi Diamond Preferred work better for you?
A good option if you have poor or no credit history and are interested in a comparatively lower variable APR.
Learn more about which Discover credit card suits your credit card goals
Find out how one writer redeemed her points for international travel.
The best card depends on your spending habits and personal preferences.
Cash rewards cards with balance transfers offers generate budget savings, but be sure to compare all the details.
The Discover it Student Cash Back is one of the best starter cards for students.