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Kelli Pate

  • Personal finance


  • Kansas City-based freelance writer and copy editor
  • Featured in Bankrate, MoneyGeek, Daily Worth, Earnest, Top Agent Magazine, and more


Kelli Pate is a former contributor to Bankrate. Pate is a freelance copy editor and writer specializing in personal finance. After graduating from Park University with a bachelor’s degree in journalism, she started her media career wearing a variety of hats for community newspapers in the Kansas City area: writer, copy editor, photographer and coffee runner, among other things.

Kelli later transitioned to writing and editing content for corporations and nonprofits, including a nationally recognized financial advisory firm, where she learned the ins and outs of investing, retirement, budgeting and additional personal finance topics.

Over the last five-plus years, Kelli has built a successful freelance business that has allowed her to work with media companies like The New York Times, Bitch Media, Rewire News Group, Mic, Entertainment Weekly, Bustle Digital Group and more. In addition to and Bankrate, her byline has appeared in MoneyGeek, Daily Worth, Earnest, Top Agent Magazine,, HelloGiggles, INSIDER, Refinery29, SheKnows, the Daily Pnut and more.

Kelli has been immersing herself in the world of travel hacking since 2016, when she and her wife paid for their honeymoon with credit card points.


Kelli's Latest Articles

  • Family looking at smatphone

    How to add an authorized user to your Apple Card

    Apple Card Family is similar to other authorized-user programs, but with a few added extras to help everyone learn good financial habits together. Here’s what it is and how you can sign up.

    4 min read Jul 26, 2021
  • Older woman looking at laptop and holding cup

    How to get preapproved for a Citi credit card

    If you’re eyeing a new Citi credit card, but worry about getting turned down, checking for pre-approved offers can narrow down the list of cards for which you have the best chances of getting to yes. [...]

    9 min read Jul 14, 2021
  • Man wearing headphones using computer

    Cashback Monitor guide

    Cashback Monitor tracks cashback earning rates across many online shopping portals.

    4 min read Jan 19, 2021
  • Indoor shot of attractive serious young dark skinned with wavy hair doing paperwork in kitchen

    Guide to Payoff

    Payoff specializes in fixed-rate debt-consolidation loans for people with fair to good credit scores. Here’s what to know before you apply.

    5 min read Nov 20, 2020