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
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.
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.
The Chase Freedom Unlimited® has long been a favorite among fans of flat-rate cash back credit cards, but the card may soon hold even greater appeal for rewards-savvy cardholders looking to get started with Chase Ultimate Rewards.
The U.S. Bank Altitude Reserve credit card is a premium travel card with a valuable annual travel credit.
Earn exceptional rewards on GM parts and services purchases.
Frequent business travelers will enjoy the perks that come with this card, especially with the newest benefits catered toward popular business expenses.
Earn generous rewards percentages on your small business necessities with this cash back card.
If you have fair credit but need access to funding for your small business, there's a lot to love with the Revenued Business card. But its mandatory finance charges may prove costly.
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.