Skip to Main Content

Nouri Zarrugh

Former Senior Editor, Credit Cards
  • 7
    Years of experience
Ribbon Icon EXPERTISE
  • Rewards credit cards
  • Travel credit cards
  • Credit card comparisons
  • Building credit
Education Icon EDUCATION
  • Bachelor of Arts in Comparative Religion, University of Texas at Austin
  • Master of Fine Arts in Writing, Michener Center for Writers, University of Texas at Austin

About the author

Nouri Zarrugh is a former senior editor for CreditCards.com and Bankrate, and has over 6 years of experience as a credit card expert and writer-editor of credit card product news, guides and reviews. He also led development of Bankrate’s credit card scoring methodology.

His areas of expertise included credit card strategy, rewards programs, point valuation and credit scores, and his product reviews and stories on building credit have been cited by Yahoo Finance, Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri wanted to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.

Also a fiction writer, he is a graduate of the Michener Center for Writers, where he won the Keene Prize for Literature. He lives in Austin, Texas with his cat Iago.

Nouri wants you to know

When I first got into credit card rewards, I got a little carried away. I applied for a ton of cards and was constantly juggling them to make sure I was maximizing my points on every single purchase. I kept every receipt and even tracked my earnings in a spreadsheet. It was a fun hobby, but it got to be more trouble than it was worth.

Now I keep things simple and mostly just focus on earning rewards in a few key categories. I use one card for general purchases, one for dining, one card for travel, one for online shopping and one for groceries. That covers the vast majority of my spending and feels easy to manage. Sure, I’m leaving some rewards on the table, but I’d rather save myself some time and energy.

Nouri's recommended readings

How Bankrate rates credit cards
How much are credit card points and miles worth?
Find a card based on where you spend most

Maximizing credit card rewards can be a fun challenge, but sometimes it’s more trouble than it’s worth. You have to find the balance of simplicity and earnings that works for you.

— Nouri Zarrugh

Nouri's latest articles

  • Best Credit Cards for Excellent Credit in May 2026

    With excellent credit, you will qualify for the best credit card offers on the market in 2025. The experts at Bankrate have chosen the best credit cards for excellent credit available from our partners.

    9 min read May 21, 2026
  • Smiling woman holding credit card while using mobile phone in city

    Wells Fargo Reflect® Card review

    The Wells Fargo Reflect offers perhaps the longest intro APR period on purchases and qualifying balance transfers, but always pay on time to keep this stellar intro APR.

    9 min read May 14, 2026

  • Chase Freedom Rise® review

    This card offers a terrific flat rewards rate, especially for a card available with limited credit history. See why it's a great starter option in our full review.

    1 min read May 14, 2026