CreditCards.com Review Board
Expert advice from a team you can trust.
Our review board is a mix of internal and external financial experts with extensive experience in personal finance. This team works together to hold us accountable for publishing content that’s trustworthy and make sure we're giving you honest, accurate information.
Together, this board reviews our content to ensure we're covering the information that's most impactful for you, our readers. The board’s main objectives are to identify and suggest tweaks to make sure our advice is most accurate and up-to-date available, provide clarity to nuanced topics, and identify any additional context necessary to our articles and reviews to help inform our readers.
With the help of our review board, you can feel confident that everything you read on our site—and especially pieces marked with a badge—is accurate and will help you make better financial decisions.
Our review process
This is how we make sure that our content is accurate and helpful in articles that we feature on our site.
01
Article submission
Our talented credit card writers and reporters submit their work for publication and expert review.
02
Expert review
Our board of experts reviews the pieces and makes suggestions for corrections and edits within two weeks of publication.
03
Content updates
The writer and editor incorporate the expert reviewer feedback to make the pieces even better.
04
Publication
After final approval, the updated content is published with a special "Reviewed" badge, so you know you can trust the information.
Our expert network
The reviews provided by members of our outside network ensure that our information is accurate, current, and helpful to our audience. These experts bring extensive knowledge and perspective on credit cards from their years of experience within the industry.
Erica Sandberg
Small Business Credit Expert Contributor
Erica Sandberg is a credit and money management expert who began her career at Consumer Credit Counseling Service (CCCS). There, she helped individuals and families overcome their debt issues and developed budgets, then transitioned into the agency’s primary media spokesperson.
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Sally Herigstad
Personal Finance, Taxes and Debt Expert Contributor
Sally Herigstad is a personal finance writer, columnist, author and retired CPA. She wrote a CreditCards.com column called “To Her Credit” for 10 years, answering readers’ questions about credit, debt, finances and family relationships, and more. With a background in public accounting, she joined the personal finance team at Microsoft in 1998. She has been working to help people take control of their finances ever since.
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John Egan
Credit Cards, Insurance and Personal Finance Expert Contributor
John Egan is a freelance writer and content marketing strategist in Austin, Texas. He specializes in content focusing on personal finance, real estate and health and wellness. Among the outlets where John’s work has appeared are CreditCards.com, Bankrate, Forbes Advisor, Experian and U.S. News & World Report. He is the former editor-in-chief of the Austin Business Journal.
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Jason Steele
Points and Miles Expert Contributor
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
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Stephanie Zito
Travel Rewards Expert Contributor
Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!”, and her mission is to inspire others along the journey.
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Bruce McClary
Personal Finance and Credit Expert
Bruce McClary is the Senior Vice President of Communications for the National Foundation for Credit Counseling® (NFCC®). He has provided one-on-one financial counseling to thousands of consumers and trained financial educators while reaching millions more through print and broadcast media.
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Thomas Nitzsche
Sr. Director of Media and Brand
Thomas Nitzsche is Sr. Director of Media and Brand at Money Management International (MMI), the largest provider of nonprofit financial counseling and education in the United States.
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Todd Christensen
Education Manager
As an author, speaker, financial educator, and education manager for the Money Fit Academy, Todd Christensen develops financial education programs and provides credit and debt counseling for individuals and groups around the country.
More about ToddOur review team
Our Creditcards.com editorial team has been reviewing cards and covering the industry for over 17 years. As part of our company, the review team is committed to ensuring accurate, trustworthy content.
Antonio Ruiz-Camacho
Former Senior Director of Content
Antonio Ruiz-Camacho is 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 leads 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.
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Brady Porche
Former Editorial Director
As a personal finance writer and editor, Brady’s goal is to break down complex credit card topics in a way that helps consumers make the best decisions for their finances – whether it’s choosing the best cards for their spending needs, getting out of debt, starting a business or planning a dream vacation with points and miles.
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Emily Sherman
Product News and Recommendations Senior Editor
Emily Sherman is an editor for CreditCards.com and Bankrate Credit Cards, specializing in product news and recommendations. She has worked as a writer and editor in the credit cards space for three years, covering any and all topics related to how cards work, rewards programs, card benefits, travel, cash back and more.
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Margaret Drummond
Director of Content
Margaret Drummond is a personal finance expert focused on creating content that helps consumers increase financial wellness, wherever they are in their individual journey. Before she joined the Creditcards.com editorial team, she was a financial adviser at Merrill Lynch. She enjoys making the seemingly complex world of personal finance accessible to everyone.
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Jeanine Skowronski
Senior Editor
Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.
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Tracy Stewart
Editor
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
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Poonkulali Thangavelu
Senior Reporter
Poonka Thangavelu has extensive journalism experience covering personal finance and business topics. She draws on her financial expertise (she holds an MBA degree, with finance and marketing concentrations, as well as a BA in economics from accredited Indian universities, in addition to an M.A. in journalism from the University of Mississippi, where she was awarded a graduate assistantship) and likes to simplify the subject matter to enable readers to make good decisions.
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Nouri Zarrugh
Credit Cards Editor
Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate.com, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more.
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Ana Staples
Products Reporter And Young Credit Analyst
Ana Staples is a reporter for CreditCards.com and an expert on all things credit basics and personal finance for the younger generation. She has two expert columns that aim to offer financial education and encouragement to young people: “Swiping Right” on CreditCards.com and “Green & Growing” on Bankrate. Ana also covers credit card news and discusses women’s finance on To Her Credit.
More about AnaLearn more, get help or let us know what you think!
