Reena Thomas, Ph.D.

Editor II, Credit Cards
Ribbon Icon EXPERTISE
  • Rewards credit cards
  • Writing/literature
Education Icon EDUCATION
  • BA in English Literature, Cornell University
  • MA in English Literature, University of Dallas
  • Ph.D. in English Literature, University of Arizona

 
About the author
Reena Thomas, Ph.D., is an editor/writer at Bankrate and CreditCards.com with a focus on credit card reward offers. She enjoys delving into the credit card landscape to help readers make valuable credit card decisions that are right for them.

Reena has over a decade of experience in education and publishing. Before joining Bankrate in 2023, she was a copy editor for NurseJournal, Trillium Publishing, Voyager Expanded Learning, and Rockefeller University Press. She also worked as a tenure-track college English instructor after receiving her doctorate and has published academic articles.

When she isn't writing and researching about credit cards, Reena can be found exploring her neighborhood for charming coffee shops, scenic trails, and friendly dog parks.
Reena's recommended readings
A beginner’s guide to credit card points
Credit card rewards mistakes to avoid
Which rewards credit card is best for me?

Credit card knowledge – how to avoid and manage debt, build credit, optimize rewards and bonuses – is an integral part of financial literacy today. While it can be a bit daunting, learning the ins and outs of credit cards is worth it to help create a solid budget and strong financial foundation.

— Reena Thomas, Ph.D.

Reena's latest articles

  • Zolve Azpire Credit Card

    One of the only debit cards that gives you a chance to build credit, the Zolve Azpire card can be a great option if you’d rather avoid traditional credit card fees and interest.

    8 min read Sep 06, 2024

  • Deserve® EDU Mastercard for Students

    A good starter card for those with little to no credit. However, starter cards with more lucrative rewards and deeper benefits exist.

    14 min read Aug 13, 2024

  • Apple Card

    The Apple Card offers rewards on all spending, including 3 percent back on Apple purchases. Find out where this card shines and how it stacks up to competition.

    13 min read Aug 13, 2024

  • PREMIER Bankcard® Mastercard® Credit Card

    The PREMIER Bankcard® Mastercard® Credit Card could be helpful if you have bad credit and want to improve your score, but it comes with high rates and fees.

    9 min read Aug 07, 2024