About CardCritics™

Credit cards can be a valuable tool or a financial risk, depending on how they’re used. Our goal is to simplify the credit card process, educate you, and match you with the best card to save money or reduce debt.

CardCritics™ is part of the GOBankingRates.com family of personal finance sites, a ConsumerTrack Inc. company.
Please contact us at info@consumertrack.com if you have any questions.

How We Make Money

We have partnerships with card issuers that pay us a referral fee when you are approved for a card you learned about on our site. This financial relationship does not impact our recommendations or how we review a credit card. We work with the issuers to make sure we’re displaying accurate information (rates, fees, etc), but all opinions are our own. 

Our Editorial Guidelines

At CardCritics™, we’re committed to delivering honest, accurate, and helpful credit card information to our readers. Our editorial guidelines ensure every piece of content reflects our values of transparency, expertise, and trust.

Our Promise

We are here to help you maximize your credit card benefits.
If you are not getting what you need out of your cards then we can help you find a new one that will better suit your lifestyle.

CardCritics™ Leadership Team

The editors at CardCritics™ deliver reliable, well-crafted content to help every reader make informed financial choices with confidence.

Molly Gaines

General Manager | Expert Contributor 

Molly has more than 20 years of credit cards industry experience. Before co-founding CardCritics™ in 2020, she led card issuer relationships and partnerships at NextAdvisor. She holds a B.A. in Business Administration from the University of Washington.

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Kate O’Brien

Strategic Sales Director | Expert Contributor 

Kate started her career in the credit card industry as Director of Operations for The Points Guy in 2012, where she spent eight years leading business development and marketing & compliance teams. She holds a B.S. from Marist University.

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Sarah DiCara

Head of Audience Development | Expert Contributor 

Formerly head of SEO at NerdWallet, Sarah has more than 15 years of experience in paid and organic audience channels. She holds an M.B.A. from the Questrom School of Business at Boston University and a B.A. in Communication Studies at Northeastern University.

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Editorial Leadership

The editors at CardCritics™ deliver reliable, well-crafted content to help every reader make informed financial choices with confidence.

Antonio Ruiz-Camacho

Senior Managing Editor | Expert Contributor

Antonio has two decades of experience leading editorial teams and a decade covering personal finance. Before joining CardCritics™, he served as senior director of credit cards content at Bankrate and associate director of life insurance content at Policygenius. His work has been featured in U.S. News, Newsweek, USA Today and CNET. He was nominated for a National Magazine Award. Antonio’s favorite credit card is The Platinum Card® from American Express. His favorite loyalty programs include World of Hyatt and Southwest Rapid Rewards. His favorite credit card perk is the annual CLEAR credit offered by his Amex Platinum card.

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Jasmin Baron

Senior SEO Editor | Expert Contributor

Jasmin Baron is CardCritics™ senior SEO editor, responsible for editing and writing credit cards, travel rewards, loyalty program, and other credit-related content. She is passionate about personal finance education and enjoys sharing tips and tricks for making the most credit card points and miles with her readers. Her expertise in maximizing credit card travel rewards originated from over two decades of aviation industry experience, including 18 years working as a pilot and college professor/flight instructor in her native Canada. Her work has appeared on sites such as CNN Underscored Money, Business Insider, The Points Guy, and point.me. When she’s not planning her next trip with credit card rewards, you’ll probably find her tinkering around in the kitchen, hanging out with her three kids, or playing with her dog, Benji.

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Editors

Emily Gadd

SEO Editor | Expert Contributor

Emily Gadd is an SEO editor, responsible for writing about personal finance and credit cards. She got her start writing and editing at Healthline. She is passionate about creating educational content that makes complex topics accessible. Emily lives in Seattle with her husband and two cats.

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Levi Leidy

Editor | Expert Contributor

Levi has worked with personal finance content since 2019. He tackles topics like banking, investing and real estate, with emphasis on how Gen Z manages their money. His work has appeared on GOBankingRates, MSN, Yahoo, Nasdaq and more.

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Cory Dudak

Editor | Expert Contributor

Cory is focused on giving readers the credit card advice they need to improve their personal finances across banking, budgeting and more, all with the core goal of ensuring readers are spending smarter and saving more. He is informed by his continued work as an editor for GOBankingRates, where he has touched content ranging from the brand’s newsletter, video and social media since 2018.

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Amen Oyiboke-Osifo

Editor | Expert Contributor

Amen Oyiboke-Osifo is an editor at GOBankingRates and CardCritics™, and has been in the personal finance space since 2019. She specializes in personal finance, credit cards, and generational wealth money trends. Amen brings over a decade of experience in digital, broadcast, and print journalism. She previously served as the executive producer of The Richer Way Podcast, presented by GOBankingRates, where she highlighted wealth-building strategies and financial insights from industry leaders. She earned her bachelor’s degree in Communications from Prairie View A&M University and her master’s degree in Journalism from the University of Southern California. Amen’s current work focuses on demystifying credit cards, rewards, and debt payoff strategies.

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Audience Development

The editors at CardCritics™ deliver reliable, well-crafted content to help every reader make informed financial choices with confidence.

Rikki Elliott

Senior Manager, SEO | Expert Contributor 

Rikki has more than a decade of experience, leading SEO and marketing efforts at Minted and HealthLine before joining GOBankingRates and CardCritics. She holds a B.S. in Marketing from the Art Institute of California, San Francisco.

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Rob Poindexter

Principal Partnerships Manager | Expert Contributor

Rob has more than two decades of experience in media. He leads partnership efforts at GOBankingRates and CardCritics. He holds a B.A. in communication and media studies from Husson University.

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Lindsey Barnes

Manager, SEO | Expert Contributor 

Lindsey has nearly 10 years of experience in audience development, serving as senior SEO analyst at The Points Guy before joining CardCritics. She holds a B.S. in Sport and Entertainment Management from the University of South Carolina.

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Compliance

The editors at CardCritics™ deliver reliable, well-crafted content to help every reader make informed financial choices with confidence.

Megan Feranda

Senior Digital Compliance Specialist | Expert Contributor

Megan started as a Compliance specialist at Red Ventures in 2018. She’s also overseen operations at Better and compliance at GOBankingRates. She has a B.A. in criminal justice and psychology from the University of North Carolina Wilmington.

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Mindy Harrison

Digital Media Compliance Specialist | Expert Contributor

Mindy has more than five years of experience in digital media. Before joining CardCritics™, she was in charge of digital advertising campaigns at Spectrum Reach. She holds a B.A. in Advertising from Western Kentucky University.

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