Card advice
Citi Diamond Preferred vs. Citi Simplicity
If you're looking to knock out a large credit card balance or finance a big…
Antonio Ruiz-Camacho is the former senior director of content for CreditCards.com and Bankrate Credit Cards. He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration. At CreditCards.com and Bankrate Credit Cards, he led an editorial team responsible for creating educational, product and transactional content that helps consumers improve their lives by maintaining strong credit and learning how to use credit cards as a tool for financial progress.
Antonio started with CreditCards.com as a managing editor in 2017, where he had to edit the work of some of the most experienced experts in the credit card, credit scores and reports and consumer protection industries, including Barry Paperno, Todd Ossenfort, Tony Mecia, Constance Sommer, Rebecca Lake, Dan Rafter, Elaine Pofeldt, Dana Dratch, Fred O. Williams and Ted Rossman. Working hand-to-hand with these experts helped him to develop an understanding of the importance of maintaining a stellar credit score and how to use credit cards, points, miles and cash back to finance a dream project or get back on the right financial footing. Through his role as senior director of content for CreditCars.com and Bankrate Credit Cards, his mission was to provide consumers with the education and information they need to leverage strong credit and credit cards to fund their own dream projects and improve their finances.
Antonio is passionate about the role that credit cards, when used responsibly, can play in changing people’s lives – from having the right credit score to purchase your first home to redeeming points and miles to visit places you’d otherwise only dream about. In the past four years, Antonio has used Chase Ultimate Rewards, American Express Membership Rewards and American Airlines AAdvantage points and miles to pay for family trips to Spain, Portugal, Scotland, Norway, Sweden and Mexico.
Antonio’s favorite cards include Chase Sapphire Reserve, American Express Gold Card, The Platinum Card from American Express and Chase Freedom Unlimited. A big fan of double- and triple-dipping, he’s constantly on the lookout for opportunities to earn additional points or cash back on everyday expenses, leveraging cash back sites and card features like Rakuten, Amex Offers, Chase Offers and Capital One Shopping.
When he’s not reading CreditCards.com and Bankrate Credit Card stories, Antonio can be found working on his other passion – fiction writing. He is the author of the award-winning story collection “Barefoot Dogs” and a graduate of the New Writers Project, the MFA program in creative writing from the University of Texas at Austin’s English Department. A former journalism fellow at the John S. Knight program at Stanford University, his work has appeared in The New York Times, Salon, Texas Monthly, Texas Highways, Electric Literature, The Millions, CNET, and elsewhere.
Our editorial team and expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our credit card company partners, and may influence where or how products are featured on the site. This site does not include all credit card companies or all available credit card offers. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.Learn more about our partners and how we make money.
Card advice
Citi Diamond Preferred vs. Citi Simplicity
If you're looking to knock out a large credit card balance or finance a big…
Card advice
How to transfer a balance to a Wells Fargo credit card
Considering a balance transfer to a Wells Fargo credit card? Here’s everything you need to…
Card advice
Best credit cards for home improvements
Whether it’s a small-scale DIY project, fixing up a home for resale or investing in…
Education
Money-saving tips for hosting family for the holidays
You don’t have to blow your holiday budget hosting your family for a get-together. From…
News
Capital One launches new premium travel card: Venture X
The Venture X offers some of the most popular travel card perks at a comparatively…
Card advice
Earn up to 80,000 bonus miles with United MileagePlus cards
Whichever card fits you best, now is likely a good time to put in an…
Card advice
Apple Card temporarily offering $75 back on Nike purchases
Now might be a good time to apply for the Apple Card – but consider…
Card advice
Chase Sapphire cards offer sign-up bonuses up to 60,000 points
The Chase Sapphire Reserve and Chase Sapphire Preferred cards offer generous sign-up bonuses when compared…
Card advice
How to get preapproved for a Bank of America card
If you have your eye on one of Bank of America’s great travel, cash back…
News
Amex launches new, limited-time “+ 4 Means More” referral bonus offer
With the holiday season approaching, it’s a great time for Amex cardholders to earn more…
Card advice
How to close an American Express account
Closing a credit card account can have hidden costs, so it's important to know all…
News
Week two of the rewards refresh: Get to know your spending habits
How you spend, what you want to get out of your rewards and how much…
Card advice
How to get preapproved for a Wells Fargo card
While being preapproved does not guarantee that you will be approved once you actually apply…
Credit management
Guía de ayuda para acceder y establecer crédito en EEUU
Si usted forma parte de la comunidad hispana en Estados Unidos, esta guía es para…
Education
A veteran’s guide to starting a small business
With their specialized skill sets, tireless work ethic and dedication to our country, veterans are…
Statistics
Student card survey shows student credit cards on the rise
Almost half of students reported that they carry at least one credit card, and there…
News
We’re looking for passionate editors and writers to join our team
CreditCards.com and Bankrate are looking to add passionate writers and editors to our team. If…
Card advice
Best credit card issuers: Bank of America vs. Wells Fargo
Bank of America and Wells Fargo have similar offers for credit card categories like rewards,…
News
Chase launches new Slate Edge card, replaces legacy Slate
The Chase Slate Edge is replacing the original Chase Slate card, but the new benefits…
Education
How to reopen a closed credit card account
Whether you can reopen a closed credit card depends on several factors, including whether you…
Statistics
Online and mobile payment statistics
Online and mobile payments were considered to be a new frontier, but these forms of…
News
Amex launches preapproved offers in CardMatch: Your best chance to qualify without hard pull
Preapproved offers in CardMatch offer the best opportunity to qualify for a credit card that…
Card advice
How to increase your chances of getting preapproved on CardMatch
The offers you see on CardMatch are personalized to your credit profile. But what do…
Card advice
Stretching my rewards 10% further with the Chase Freedom Flex
The Chase Freedom Flex offers perks and incentives through cash back. Chase continues its updates…
Card advice
Best credit cards for Uber
You can save money and earn rewards on your next Uber ride by charging the…
Card advice
American Express Gold Card authorized user perks
If you want to earn more rewards on household spending and get the full value…
Statistics
Credit card delinquency statistics
Our team has compiled statistics on U.S. credit card delinquencies over the years, as well…
Education
A financial guide to subscription boxes
Subscription boxes can help you plan your life more efficiently – but you need to…
Statistics
Credit card race, age, gender and income statistics
Race, gender and age all play a role in how much credit we’re able to…
Card advice
How to transfer your credit limit on American Express cards
Rearranging credit limits can help you take advantage of rewards and benefits on the cards…
News
Wells Fargo launches new flat-rate cash back card with no annual fee
The new flat-rate cash back card by Wells Fargo is arguably the best product in…
News
Amex Platinum debuts new benefits and higher annual fee
The Platinum Card from American Express has got over $920 in new statement credit benefits,…
Card advice
How to close a Capital One account
Closing a Capital One credit card account could make sense for a variety of reasons,…
Education
Visa and Mastercard halt swipe fee hikes for now, but future impacts likely
Visa and Mastercard have put off planned credit card swipe fee hikes for now, but…
Credit management
A financial guide to gaming
Gaming comes with substantial startup costs, whether you’re gaming as a hobby or trying to…
Card advice
Amazon Shop with Points: Should you use your rewards on Amazon?
Many rewards programs offer an option to redeem your points, miles or cash back on…
Statistics
Credit card market share statistics
The credit card industry is a big business, and it is dominated by a handful…
Card advice
Amazon store cards vs. Amazon Visa credit cards
If you want to earn rewards on Amazon purchases and unlock exclusive financing deals, an…
News
Fed maintains near 0% rate target at June 2021 meeting
Fed members are more optimistic about the economy and Powell said the Fed could start…
Education
What is a good credit limit?
The amount of credit that card issuers extend to you is based on barometers of…
News
Citi launches new cash back card with flexible 5% earning rate
The new Citi Custom Cash℠ Card offers 5% cash back in your top eligible spending…
Education
How to add an authorized user to your Apple Card
Apple Card Family lets you co-own an Apple Card with a partner or spouse, then…
Education
4 credit cards offering a $500 sign-up bonus
Cash back cards are offering higher and higher bonuses to compete with other rewards currencies…
Statistics
Payment method statistics
While the most popular payment method is still debit, the gap between credit and debit…
Credit management
Credit card limit decreased? Why it happens, and what to do about it
A credit limit decrease can happen because your spending habits changed or if your good…
Education
How to send, receive money using Cash App
Cash App is a peer-to-peer payment app formerly known as Square Cash. Here’s what you…
Credit management
I signed up for Experian Boost. This is what happened
After all the buzz surrounding Experian Boost, I just had to check out the program…
Card Reviews
Sam’s Club Mastercard review
The Sam's Club Mastercard is best reserved for making gas and dining purchases outside the…
Card Reviews
Chase Slate Edge℠ review
The Chase Slate card's unique, no-fee balance transfer offer makes it one of the most…
Card Reviews
Wells Fargo Reflect® Card review
Whether you’re looking to chip away at credit card debt with a balance transfer card…
Card Reviews
Chase Sapphire Preferred Card review
The Sapphire Preferred is an affordable mid-tier entry into Chase's robust rewards network, but with…
Card Reviews
Capital One Spark Cash Plus review
Our review of the Capital One Spark Cash Plus card shows why you will love…
Card Reviews
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card review
Depending on your business relationship with Bank of America, the Bank of America Business Advantage…
Card Reviews
Bank of America® Unlimited Cash Rewards credit card review: Amazing value...for the right cardholder
This cash back credit card from Bank of America is a bit of a mixed…
Card Reviews
U.S. Bank Altitude Go Card review
Thanks to its impressive rewards rate on a variety of everyday purchases, the U.S. Bank…
CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers.
CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.