Want to reap the rewards this card offers without paying the annual fee? Find out how to avoid the cost by jumping through a few hoops that are worth the effort.
About the author
“Being able to successfully manage your money is one of the most important things you can learn. Unfortunately, most people don’t acquire enough financial knowledge at school or at home. My goal is to help everyday people understand credit better and use these skills to improve their financial lives.” – Ted Rossman
Consumer payment behavior, getting out of debt, building credit, maximizing rewards, protecting your identity
Bachelor's degree in political science from Colgate University, Hamilton, New York
- Frequent commentator on major national media outlets
- Consumer advocate who helps people achieve their financial goals
- More than a decade of personal finance industry experience
Ted has spent the past 10 years at Bankrate.com and CreditCards.com helping consumers maximize credit card rewards, get out of debt, boost their credit scores, protect their identities and more. He regularly shares his advice with major media outlets such as The TODAY Show, Good Morning America, CBS This Morning, The Wall Street Journal, The New York Times, CNN.com, Forbes, The Associated Press, CNBC, Fox Business, NPR, USA Today and many others.
He also conducts proprietary credit card market research and writes weekly columns for both Bankrate and CreditCards.com, often on the subject of cash back credit cards. With a wife and two young children at home, Ted enjoys earning cash back on his family’s many everyday expenses. A 2006 graduate of Colgate University, Ted joined Bankrate and CreditCards.com in 2011.
He spent the first seven years of that tenure on the companies’ award-winning communications team, where he served as public relations director. The team won dozens of national and local honors, including a Big Apple Award for Best Marketing of Consumer Financial Services from the New York Chapter of the Public Relations Society of America. In that role, Ted helped direct the companies’ research efforts and promoted its data and experts to the media. In 2018, he transitioned into more of a front-of-the-house role and began making media appearances as the websites’ industry analyst and media spokesman.
Ted has a keen interest in helping people answer their pressing questions about credit (you can send him yours via email). He believes that credit cards, when used properly, can provide people with hundreds or even thousands of dollars in annual rewards and other benefits. Avoiding credit card debt and improving your credit score are important steps toward financial freedom.
Ted earned a Bachelor of Arts degree from Colgate University. He majored in political science and minored in educational studies. While at Colgate, Ted interned with the athletic communications department and broadcast hundreds of sporting events via a streaming audio service. He also called games for a local FM radio station and for the student-run TV station (CUTV). In addition, Ted served on the CUTV executive board and wrote for The Colgate Maroon-News, the oldest college weekly in America.
Ted's Latest Articles
3 min read Jun 11, 2021
Credit card debt has seen a significant decrease during the pandemic, but there are questions about how to continue and maintain this. Read our take on how to do so.4 min read Jun 04, 2021
Visa made a splash when it announced it will begin directly accepting a cryptocurrency for some transactions.4 min read May 28, 2021
If you’re new to investing in cryptocurrency, it’s not as simple as whipping out your credit card to make the purchase. In fact, many credit card issuers ban the practice of purchasing cryptocurrency. [...]3 min read May 28, 2021
A look at credit card churning: what it means for cardholders, your credit score and credit card issuers.3 min read May 21, 2021
A massive increase in the number of Hispanic applicants seeking financial disaster assistance has prompted JPMorgan Chase and Money Management International (MMI) to team up to address the situation. The [...]3 min read May 14, 2021
Most Americans want to keep their credit card strategy very simple. Almost three in four cardholders (72 percent) prefer to use the same one or two cards as widely as possible, according to an August 2019 [...]3 min read May 07, 2021
While you’re celebrating mom this year, how about earning some extra credit card rewards?3 min read Apr 30, 2021
The Citi Premier® Card has a new attractive blend of cash back and travel credit card rewards.3 min read Apr 23, 2021
Instacart and DoorDash both have credit cards on the way and they’ll likely be big on loyalty and future orders.3 min read Apr 16, 2021