CINXE.COM

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Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub" > <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue-600" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/small-business/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2025/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2025" data-outcome="send to link" > Best banks of 2025</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - 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Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue-600" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue-600" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Refinance rates" data-outcome="send to Refinance rates" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="Cash-out refinance rates" data-outcome="send to Cash-out refinance rates" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="30-year refinance rates" data-outcome="send to 30-year refinance rates" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="15-year refinance rates" data-outcome="send to 15-year refinance rates" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="2" data-text="Cost of living calculator" data-outcome="send to link" > Cost of living calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/how-much-is-my-house-worth/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="3" data-text="How much is my house worth?" data-outcome="send to link" > How much is my house worth?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="4" data-text="Real estate resources" data-outcome="send to link" > Real estate resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-buy-a-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="1" data-text="Buying a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Buying a home</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-sell-your-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="2" data-text="Selling a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Selling a home</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - 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@keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue-600" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" 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class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2025" data-outcome="send to Best cards of 2025" > Best cards of 2025</a> 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data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/points-and-miles-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="Points and miles calculator" data-outcome="send to link" > Points and miles calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="5" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue-600" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue-600" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="HELOC" data-position="1"> HELOC<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue-600" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - 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HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue-600" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="4" data-text="Citizens insurance review" data-outcome="send to link" > Citizens insurance review</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/homeowners-insurance/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory link" data-position="1" data-text="Home insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8af9dfc8a2/home-insurance-by-state-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8af9dfc8a2/home-insurance-by-state-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8af9dfc8a2/home-insurance-by-state-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/homeowners-insurance/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory link" data-position="2" data-text="Home insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e85a91b40b/how-much-is-home-insurance-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e85a91b40b/how-much-is-home-insurance-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e85a91b40b/how-much-is-home-insurance-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about home insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare companies </p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/life-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much does life insurance cost?</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/best-life-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best life insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/life-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Life insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/cheap-life-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest life insurance companies</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/globe-life/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="1" data-text="Globe Life insurance review" data-outcome="send to link" > Globe Life insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/colonial-penn/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="2" data-text="Colonial Penn insurance review" data-outcome="send to link" > Colonial Penn insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/ladder-life-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="3" data-text="Ladder life insurance review" data-outcome="send to link" > Ladder life insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/ethos/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="4" data-text="Ethos life insurance review" data-outcome="send to link" > Ethos life insurance review</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/life-insurance/life-insurance-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory link" data-position="1" data-text="Life insurance calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8b7ce45a3a/whole-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8b7ce45a3a/whole-life-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8b7ce45a3a/whole-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Life insurance calculator</span> <span class="SiteNavFeaturedLink-supportText">How much do you need?</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/life-insurance/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory link" data-position="2" data-text="Life insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/f61af7d73a/term-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/f61af7d73a/term-life-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/f61af7d73a/term-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Life insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about life insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/insurance/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Insurance hub link - 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His personal<a href="https://www.bankrate.com/authors/aaron-broverman/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/broverman" target="_blank" rel="nofollow" aria-label="Connect with Aaron Broverman on Twitter" data-beam-element-clicked id="author_bio_aaron_broverman_twitter_icon" data-type="icon" data-location="author_bio_aaron_broverman" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 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url(https://www.bankrate.com/2023/01/26163034/A.Gailey-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/alex-gailey/" > <span class="font-bold text-lg leading-snug text-gray-900">Alex Gailey</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Principal Data Reporter, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> As a principal data reporter at Bankrate, Alex Gailey writes about the numbers behind consumer finance and economic trends.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/alex_gailey" target="_blank" rel="nofollow" aria-label="Connect with Alex Gailey on Twitter" data-beam-element-clicked id="author_bio_alex_gailey_twitter_icon" data-type="icon" data-location="author_bio_alex_gailey" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 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</div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Alice has covered personal finance topics, from the perspective of a writer and an editor, for more than 11 years, and she has spent the past three years focusing on the<a href="https://www.bankrate.com/authors/alice-holbrook/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/03/01150357/IMG_1284.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/alice-lesperance/" > <span class="font-bold 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Her work has appeared in a variety of online publications, magazines, newspapers and wire services,<a href="https://www.bankrate.com/authors/amy-hoak/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/03/14085143/T029AV3QX-U024BB2KDK7-f0bb8566aa18-512.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/amy-lieu/" > <span class="font-bold text-lg leading-snug text-gray-900">Amy Lieu</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" 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href="https://www.bankrate.com/authors/amy-sims/" > <span class="font-bold text-lg leading-snug text-gray-900">Amy Sims</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editorial Director, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Amy Sims is an editorial director for Bankrate, leading a team responsible for creating educational insurance content.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/02120633/Ana-Cvetkovic.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/ana-cvetkovic/" > <span class="font-bold text-lg leading-snug text-gray-900">Ana Cvetkovic</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 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As a business owner, she has first-hand experience with the topics she covers for Bankrate. As a<a href="https://www.bankrate.com/authors/ana-cvetkovic/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/anatweetsnow" target="_blank" rel="nofollow" aria-label="Connect with Ana Cvetkovic on Twitter" data-beam-element-clicked id="author_bio_ana_cvetkovic_twitter_icon" data-type="icon" data-location="author_bio_ana_cvetkovic" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 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Credit cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Ana Staples is a principal writer, credit cards for Bankrate and an expert on all things credit basics and personal finance for the younger generation.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/ana-staples-39054715a/" target="_blank" rel="nofollow" aria-label="Connect with Ana Staples on LinkedIn" data-beam-element-clicked id="author_bio_ana_staples_linkedin_icon" data-type="icon" data-location="author_bio_ana_staples" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/10/23192234/andrea-coombes.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/andrea-coombes-cfp/" > <span class="font-bold text-lg leading-snug text-gray-900">Andrea Coombes, CFP®</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Tax</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Andrea Coombes, Bankrate's tax editor, loves to translate complex personal finance topics into understandable content that helps people live their best financial lives. 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He's taken the NMLS Loan Originator education classes and passed the MLO SAFE test. Besides Bankrate, his<a href="https://www.bankrate.com/authors/andrew-dehan/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/andrew-dehan-a8a21830/" target="_blank" rel="nofollow" aria-label="Connect with Andrew Dehan on LinkedIn" data-beam-element-clicked id="author_bio_andrew_dehan_linkedin_icon" data-type="icon" data-location="author_bio_andrew_dehan" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2025/01/29150318/andrewpentis-headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/andrew-pentis/" > <span class="font-bold text-lg leading-snug text-gray-900">Andrew Pentis</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Principal Writer, Loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Before joining Bankrate in 2025, Andrew worked as a service journalism writer and editor for various companies, most recently at CNN Underscored Money. 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He is a New York-based freelance writer with strong expertise in consumer credit and travel loyalty programs.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/01/13105355/A-Leicht-Headshot.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/angelica-leicht/" > <span class="font-bold text-lg leading-snug text-gray-900">Angelica Leicht</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Angelica Leicht is an editor across Bankrate and CreditCards.com. She has over a decade of experience as a writer and editor, with a specific emphasis on personal finance content<a href="https://www.bankrate.com/authors/angelica-leicht/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/04/05130534/DSC01342-1-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/anna-njie-konte/" > <span class="font-bold text-lg leading-snug text-gray-900">Anna N'Jie-Konte</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Expert Reviewer, MBA, CFP®</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Anna N’Jie-Konte, MBA, CFP® is the President and Director of Financial Planning for Re-Envision Wealth. 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She is passionate about helping people leverage credit card rewards to realize<a href="https://www.bankrate.com/authors/ariana-arghandewal/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/03/21180827/Ashley-Kimler.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/ashley-kimler/" > <span class="font-bold text-lg leading-snug text-gray-900">Ashley Kimler</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" 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Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Ashley Onadele has been engrossed in the world of credit card points and miles and travel rewards for more than a decade.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/03/30165744/ashleyparks-2.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/ashley-parks/" > <span class="font-bold text-lg leading-snug text-gray-900">Ashley Parks</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" 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</div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2025/03/18164451/Aylea-Wilkins-headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/aylea-wilkins/" > <span class="font-bold text-lg leading-snug text-gray-900">Aylea Wilkins</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Aylea Wilkins has been at Bankrate since 2019, editing content in student, personal and home equity loans and auto, home and life insurance before taking on editing content in a<a href="https://www.bankrate.com/authors/aylea-wilkins/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/ayleawilkins/" target="_blank" rel="nofollow" aria-label="Connect with Aylea Wilkins on 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She currently identifies and reports on news and top trends in the credit<a href="https://www.bankrate.com/authors/barri-segal/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/barri-segal-4842368/" target="_blank" rel="nofollow" aria-label="Connect with Barri Segal on LinkedIn" data-beam-element-clicked id="author_bio_barri_segal_linkedin_icon" data-type="icon" data-location="author_bio_barri_segal" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/12162549/FINAL-BARRY.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/barry-bridges/" > <span class="font-bold text-lg leading-snug text-gray-900">Barry Bridges</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Senior editor, credit cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Former Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was<a href="https://www.bankrate.com/authors/barry-bridges/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/barry-bridges-887573188/" target="_blank" rel="nofollow" aria-label="Connect with Barry Bridges on LinkedIn" data-beam-element-clicked id="author_bio_barry_bridges_linkedin_icon" data-type="icon" data-location="author_bio_barry_bridges" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/10/24105634/Screenshot-2024-10-10-at-11.47.00%E2%80%AFAM.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/benet-j-wilson/" > <span class="font-bold text-lg leading-snug text-gray-900">Benét J. Wilson</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Lead writer, Credit cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Benét J. Wilson is a lead reporter at Bankrate who writes about credit cards and credit advice.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/12163812/beth-braverman-150.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/beth-braverman/" > <span class="font-bold text-lg leading-snug text-gray-900">Beth Braverman</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Personal Finance Expert Contributor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Beth Braverman is an award-winning freelance journalist and content producer, writing mostly about personal finance, parenting and careers.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/bethbrav" target="_blank" rel="nofollow" aria-label="Connect with Beth Braverman on Twitter" data-beam-element-clicked 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href="https://www.bankrate.com/authors/bill-mcguire/" > <span class="font-bold text-lg leading-snug text-gray-900">Bill McGuire</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Editor, homes</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Bankrate senior editor for mortgages Bill McGuire has been writing and editing for more than four decades at major newspapers, magazines and websites.</div> </div> </div> <div class="user-card h-full flex flex-1 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url(https://www.bankrate.com/2019/05/06102103/b-beers-headshot1.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/brian-beers/" > <span class="font-bold text-lg leading-snug text-gray-900">Brian Beers</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Managing editor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Brian Beers is the managing editor for the Wealth team at Bankrate. He oversees editorial coverage of banking, investing, the economy and all things money.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/brian_beers" target="_blank" rel="nofollow" aria-label="Connect with Brian Beers on Twitter" data-beam-element-clicked id="author_bio_brian_beers_twitter_icon" data-type="icon" data-location="author_bio_brian_beers" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/brian-beers/" target="_blank" rel="nofollow" aria-label="Connect with Brian Beers on LinkedIn" data-beam-element-clicked id="author_bio_brian_beers_linkedin_icon" data-type="icon" data-location="author_bio_brian_beers" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2025/01/06161141/Brittany-Howard-headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/brittany-howard/" > <span class="font-bold text-lg leading-snug text-gray-900">Brittany Howard</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Writer, Loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Brittany Howard joined the Bankrate team in 2024. Before specializing in loans, she wrote on a range of personal finance topics, including checking and savings accounts, credit<a href="https://www.bankrate.com/authors/brittany-howard/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/brittany-l-howard/" target="_blank" rel="nofollow" aria-label="Connect with Brittany Howard on LinkedIn" data-beam-element-clicked id="author_bio_brittany_howard_linkedin_icon" data-type="icon" data-location="author_bio_brittany_howard" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/09/14101505/headshot9231.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/brooklyn-lowery/" > <span class="font-bold text-lg leading-snug text-gray-900">Brooklyn Lowery</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" 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</div> </div> <div class="text-center mt-10" x-show="!isOpen(3) && isOpen(2)" style="display: none;" > <a class="Link Link--standalone font-bold text-lg" @click="openToChunk(3)"> See more </a> </div> <div x-show="isOpen(3)" style="display: none;" > <div class="grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 xl:grid-cols-4 gap-x-6 gap-y-8 mt-8"> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/07/26153159/Carol-Pope-cropped.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/carol-pope/" > <span class="font-bold text-lg leading-snug text-gray-900">Carol Pope</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Writer, Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Carol Pope is a former insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and<a href="https://www.bankrate.com/authors/carol-pope/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/05/09094734/Cate2.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/cate-deventer/" > <span class="font-bold text-lg leading-snug text-gray-900">Cate Deventer</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right 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3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/12120456/Untitled7.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/cathleen-mccarthy/" > <span class="font-bold text-lg leading-snug text-gray-900">Cathleen McCarthy</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/10155532/Chanelle-headshot.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/chanelle-gibson/" > <span class="font-bold text-lg leading-snug text-gray-900">Chanelle Gibson</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Writer and Editor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Chanelle Gibson is a former contributor at Bankrate. She has wide variety of experience ranging from pop culture to software engineering and possess expertise in finance,<a href="https://www.bankrate.com/authors/chanelle-gibson/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/chanelle-gibson/" target="_blank" rel="nofollow" aria-label="Connect with Chanelle Gibson on LinkedIn" data-beam-element-clicked id="author_bio_chanelle_gibson_linkedin_icon" data-type="icon" data-location="author_bio_chanelle_gibson" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/01151724/DSCF9988-11.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/chelsea-wing/" > <span class="font-bold text-lg leading-snug text-gray-900">Chelsea Wing</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Form editor, Student loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> She is invested in helping students navigate the high costs of college and breaking down the complexities of student loans.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/chelsea-wing-173270116/" target="_blank" rel="nofollow" aria-label="Connect with Chelsea Wing on LinkedIn" data-beam-element-clicked id="author_bio_chelsea_wing_linkedin_icon" data-type="icon" data-location="author_bio_chelsea_wing" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 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<div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/12/17090531/headshot.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/chris-jennings/" > <span class="font-bold text-lg leading-snug text-gray-900">Chris Jennings</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Home Lending</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Chris Jennings is an editor for Bankrate’s Home Lending team. He has been writing and editing about mortgages and personal finance since 2016.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/07/24144536/chris-kahn-headshot.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/chris-kahn/" > <span class="font-bold text-lg leading-snug text-gray-900">Chris Kahn</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Managing Editor, Surveys and Data Studies</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Chris grew up in Phoenix, Arizona. He trained as a physicist for several years before discovering the thrill that is the news business. He lives on Long Island with his wife, two<a href="https://www.bankrate.com/authors/chris-kahn/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/cmkahn" target="_blank" rel="nofollow" aria-label="Connect with Chris Kahn on Twitter" data-beam-element-clicked id="author_bio_chris_kahn_twitter_icon" data-type="icon" data-location="author_bio_chris_kahn" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 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Six years ago, Christopher started as the single staff writer for a budding<a href="https://www.bankrate.com/authors/christopher-murray/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/10/01162943/headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/claire-dickey/" > <span class="font-bold text-lg leading-snug text-gray-900">Claire Dickey</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Claire Dickey is a product editor for Bankrate, CreditCards.com and To Her Credit. Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications<a href="https://www.bankrate.com/authors/claire-dickey/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/clairedickey/" target="_blank" rel="nofollow" aria-label="Connect with Claire Dickey on LinkedIn" data-beam-element-clicked id="author_bio_claire_dickey_linkedin_icon" data-type="icon" data-location="author_bio_claire_dickey" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path 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</div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/10/26154650/Courtney-Mihocik-Headshot-2-1-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/courtney-mihocik/" > <span class="font-bold text-lg leading-snug text-gray-900">Courtney Mihocik</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 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Previously, she led insurance content at<a href="https://www.bankrate.com/authors/courtney-mihocik/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/10105615/dmiller.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/dan-miller/" > <span class="font-bold text-lg leading-snug text-gray-900">Dan Miller</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Dan Miller is a former contributing writer for Bankrate. 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</div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Denny Ceizyk joined the Bankrate Loans team as a Senior Writer in 2023, providing 30 years of insight from his experience in loan sales and as a personal finance writer to help<a href="https://www.bankrate.com/authors/denny-ceizyk/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/denny-ceizyk-28188358/?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app" target="_blank" rel="nofollow" aria-label="Connect with Denny Ceizyk on LinkedIn" data-beam-element-clicked id="author_bio_denny_ceizyk_linkedin_icon" data-type="icon" data-location="author_bio_denny_ceizyk" 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url(https://www.bankrate.com/2021/03/10111006/emily-sherman-150-2.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/emily-sherman/" > <span class="font-bold text-lg leading-snug text-gray-900">Emily Sherman</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Senior Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Emily Sherman is a former senior editor for CreditCards.com and Bankrate Credit Cards, specializing in product news and recommendations. She has worked as a writer and editor in<a href="https://www.bankrate.com/authors/emily-sherman/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/emily-sherman-a60272144/" target="_blank" rel="nofollow" aria-label="Connect with Emily Sherman on LinkedIn" data-beam-element-clicked id="author_bio_emily_sherman_linkedin_icon" data-type="icon" data-location="author_bio_emily_sherman" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div 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Contributor, Investing and Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/08/05100718/erica-sandberg-1501.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/erica-sandberg/" > <span class="font-bold text-lg leading-snug text-gray-900">Erica Sandberg</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" 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class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2025/01/02162454/Erik-J-Martin-headshot-2025.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/erik-j-martin/" > <span class="font-bold text-lg leading-snug text-gray-900">Erik J. 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Martin is a Chicago area-based freelance writer/editor whose articles have been featured in AARP The Magazine, Reader's Digest, The Costco Connection, The Motley Fool and<a href="https://www.bankrate.com/authors/erik-j-martin/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/08/22150559/Erin-Kennedy-3668-2-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/erin-kennedy/" > <span class="font-bold text-lg leading-snug text-gray-900">Erin Kennedy</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Senior editor, Investing</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Bankrate senior investing editor Erin Kennedy has spent over a dozen years editing and publishing in the financial media space. Her longtime goal has been to help educate people<a href="https://www.bankrate.com/authors/erin-kennedy/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2025/03/17103203/erin_lowry_headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/erin-lowry/" > <span class="font-bold text-lg leading-snug text-gray-900">Erin Lowry</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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url(https://www.bankrate.com/2022/06/23124003/Screen-Shot-2022-06-01-at-11.03.42-AM.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/georgina-tzanetos/" > <span class="font-bold text-lg leading-snug text-gray-900">Georgina Tzanetos</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former reporter, Investing</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Former Bankrate reporter Georgina Tzanetos covers investing and retirement.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/georgina-tzanetos-48073a35/" target="_blank" rel="nofollow" aria-label="Connect with Georgina Tzanetos on LinkedIn" data-beam-element-clicked id="author_bio_georgina_tzanetos_linkedin_icon" data-type="icon" data-location="author_bio_georgina_tzanetos" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn 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sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/03/25130011/gillian_totaro.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/gillian-totaro/" > <span class="font-bold text-lg leading-snug text-gray-900">Gillian Totaro</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Gillian Totaro writes about insurance and credit cards and enjoys helping people learn more about how to manage their financial assets. She has over five years of writing<a href="https://www.bankrate.com/authors/gillian-totaro/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/05/21131121/Grace-Pilling-photo.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/grace-pilling/" > <span class="font-bold text-lg leading-snug text-gray-900">Grace Pilling</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Editor, credit cards</span> </div> </div> <div class="mt-6 border-t"></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/10/13123907/Screen-Shot-2022-10-07-at-2.57.36-PM.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/graciela-zarate-rolon/" > <span class="font-bold text-lg leading-snug text-gray-900">Graciela Zarate Rolon</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Editor, credit cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Graciela Zarate Rolon is a former Bankrate editor and recent graduate of Wake Forest University with a degree in Politics and International Affairs.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/10/06105407/greg_thumbnail_2023.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/greg-johnson/" > <span class="font-bold text-lg leading-snug text-gray-900">Greg Johnson</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Freelance Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Greg Johnson has been writing about personal finance, travel, and credit card rewards for more than a decade.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/gregory-johnson-80a57a64/" target="_blank" rel="nofollow" aria-label="Connect with Greg Johnson on LinkedIn" data-beam-element-clicked id="author_bio_greg_johnson_linkedin_icon" data-type="icon" data-location="author_bio_greg_johnson" data-position="top" 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With a decade of experience in the home services and energy industries, she aims to answer consumer questions in a digestible<a href="https://www.bankrate.com/authors/hannah-hillson/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/hannah-hillson/" target="_blank" rel="nofollow" aria-label="Connect with Hannah Hillson on LinkedIn" data-beam-element-clicked id="author_bio_hannah_hillson_linkedin_icon" data-type="icon" data-location="author_bio_hannah_hillson" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/12/21144544/18419.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/hannah-smith/" > <span class="font-bold text-lg leading-snug text-gray-900">Hannah Smith</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Personal Loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Hannah Smith is a former Bankrate editor. They aim to provide the most up-to-date information to help people navigate the complexities of loans and make the best financial<a href="https://www.bankrate.com/authors/hannah-smith/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> </div> </div> <div class="text-center mt-10" x-show="!isOpen(6) && isOpen(5)" style="display: none;" > <a class="Link Link--standalone font-bold text-lg" @click="openToChunk(6)"> See more </a> </div> <div x-show="isOpen(6)" style="display: none;" > <div class="grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 xl:grid-cols-4 gap-x-6 gap-y-8 mt-8"> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/10/12092359/New-headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar 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no-underline" href="https://www.bankrate.com/authors/harlan-vaughn/" > <span class="font-bold text-lg leading-snug text-gray-900">Harlan Vaughn</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Senior Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Harlan Vaughn is a senior credit cards editor with over a decade of experience covering credit cards and travel rewards content.</div> <div class="vertical-fill"></div> <ul 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sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/heather-grey/" > <span class="font-bold text-lg leading-snug text-gray-900">Heather Grey</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Heather Grey is a freelance writer who has been covering health and wellness-related topics since 2013. Her work has appeared in a variety of publications, including Healthline,<a href="https://www.bankrate.com/authors/heather-grey/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/09/07131031/IMG_4307-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/heidi-rivera/" > <span class="font-bold text-lg leading-snug text-gray-900">Heidi Rivera</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Writer, Personal Loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Heidi Rivera was a personal finance writer and reporter for Bankrate. Her areas of expertise include personal loans, student loans and debt consolidation, in addition to data<a href="https://www.bankrate.com/authors/heidi-rivera/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/_HRivera" target="_blank" rel="nofollow" aria-label="Connect with Heidi Rivera on Twitter" data-beam-element-clicked id="author_bio_heidi_rivera_twitter_icon" data-type="icon" data-location="author_bio_heidi_rivera" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 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url(https://www.bankrate.com/2021/12/08151955/IMG_20201224_155208-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/india-davis/" > <span class="font-bold text-lg leading-snug text-gray-900">India Davis</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has<a href="https://www.bankrate.com/authors/india-davis/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/10/21145947/ipino.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/ivana-pino/" > <span class="font-bold text-lg leading-snug text-gray-900">Ivana Pino</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Growth Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> She graduated from the S.I. Newhouse School of Public Communications at Syracuse University with a degree in Digital Journalism and a second degree in Political Science.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/10104054/Untitled-13.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jacqueline-demarco/" > <span class="font-bold text-lg leading-snug text-gray-900">Jacqueline DeMarco</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Jacqueline DeMarco is a contributor to Bankrate covering personal finance, including credit cards, rewards credit cards and travel credit cards. In addition to Bankrate, she has<a href="https://www.bankrate.com/authors/jacqueline-demarco/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/jacquelinedemarco/" target="_blank" rel="nofollow" aria-label="Connect with Jacqueline DeMarco on LinkedIn" data-beam-element-clicked id="author_bio_jacqueline_demarco_linkedin_icon" data-type="icon" data-location="author_bio_jacqueline_demarco" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/10/26151853/James-Royal-headshot-scaled-square.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/james-royal/" > <span class="font-bold text-lg leading-snug text-gray-900">James Royal, Ph.D.</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Principal writer, Investing and wealth management</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Bankrate principal writer and editor James F. Royal, Ph.D., covers investing and wealth management. His work has been cited by CNBC, the Washington Post, The New York Times and<a href="https://www.bankrate.com/authors/james-royal/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/JimRoyalPhD" target="_blank" rel="nofollow" aria-label="Connect with James Royal, Ph.D. on Twitter" data-beam-element-clicked id="author_bio_james_royal_phd_twitter_icon" data-type="icon" data-location="author_bio_james_royal_phd" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 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</div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Jane Nam writes about consumer loans for Bankrate and holds certificates in data science, math and research.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/jane-nam-8bb40a227/" target="_blank" rel="nofollow" aria-label="Connect with Jane Nam on LinkedIn" data-beam-element-clicked id="author_bio_jane_nam_linkedin_icon" data-type="icon" data-location="author_bio_jane_nam" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" 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style="background-image: url(https://www.bankrate.com/2021/03/12163115/jason-steele-150-1.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jason-steele/" > <span class="font-bold text-lg leading-snug text-gray-900">Jason Steele</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former contributor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. 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Analyst</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/JeanineSko" target="_blank" rel="nofollow" aria-label="Connect with Jeanine Skowronski on Twitter" data-beam-element-clicked id="author_bio_jeanine_skowronski_twitter_icon" data-type="icon" data-location="author_bio_jeanine_skowronski" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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In her previous role, she was a managing<a href="https://www.bankrate.com/authors/jenna-flannigan/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/12/20115211/jelee.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jennifer-lee/" > <span class="font-bold text-lg leading-snug text-gray-900">Jennifer Lee</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Jennifer is an editor on the Loans team with previous experience as an editor in the education space on BestColleges.com. 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url(https://www.bankrate.com/brp/2024/08/12112552/JG-headshot-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jessica-gibson/" > <span class="font-bold text-lg leading-snug text-gray-900">Jessica Gibson</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Jessica Gibson is an insurance writer with almost a decade of digital publishing experience.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/jessica-kratz-gibson/" target="_blank" rel="nofollow" aria-label="Connect with Jessica Gibson on LinkedIn" data-beam-element-clicked id="author_bio_jessica_gibson_linkedin_icon" data-type="icon" data-location="author_bio_jessica_gibson" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path 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<div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/12164243/FINAL-JOEY.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/joey-robinson/" > <span class="font-bold text-lg leading-snug text-gray-900">Joey Robinson</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Joey Robinson is a credit cards contributor for Bankrate and upon graduating with a Bachelor’s degree concentrated in Finance, Joey worked at “Big Four” (Ernst and Young)<a href="https://www.bankrate.com/authors/joey-robinson/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/josephrobinsonjr/" target="_blank" rel="nofollow" aria-label="Connect with Joey Robinson on LinkedIn" data-beam-element-clicked id="author_bio_joey_robinson_linkedin_icon" data-type="icon" data-location="author_bio_joey_robinson" data-position="top" data-text="linkedin" 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class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/06/17114403/John_Egan-1-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/john-egan/" > <span class="font-bold text-lg leading-snug text-gray-900">John Egan</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 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He is a contributor for Bankrate and specializes in content focusing on personal finance, real<a href="https://www.bankrate.com/authors/john-egan/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/JohnJEgan" target="_blank" rel="nofollow" aria-label="Connect with John Egan on Twitter" data-beam-element-clicked id="author_bio_john_egan_twitter_icon" data-type="icon" data-location="author_bio_john_egan" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 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url(https://www.bankrate.com/2024/04/17122859/John-Puterbaugh-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/john-puterbaugh/" > <span class="font-bold text-lg leading-snug text-gray-900">John Puterbaugh</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Senior Director, Editorial</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> John Puterbaugh is a senior director for editorial for Bankrate, where he leads coverage of consumer lending, credit cards, student loans, and other related topics.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/johnputerbaugh" target="_blank" rel="nofollow" aria-label="Connect with John Puterbaugh on LinkedIn" data-beam-element-clicked id="author_bio_john_puterbaugh_linkedin_icon" data-type="icon" data-location="author_bio_john_puterbaugh" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" 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bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/06/13164005/Johna-Strickland.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/johna-strickland/" > <span class="font-bold text-lg leading-snug text-gray-900">Johna Strickland</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Investing</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Bankrate investing editor Johna Strickland has made a career out of explaining complicated financial topics to everyday people. As an editor and journalist for more than 15 years,<a href="https://www.bankrate.com/authors/johna-strickland/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/johna-strickland/" target="_blank" rel="nofollow" aria-label="Connect with Johna Strickland on LinkedIn" data-beam-element-clicked id="author_bio_johna_strickland_linkedin_icon" data-type="icon" data-location="author_bio_johna_strickland" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/10/04153143/Jordan-Bishop.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jordan-bishop/" > <span class="font-bold text-lg leading-snug text-gray-900">Jordan Bishop</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Jordan Bishop is a former contributor for Bankrate. 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Her work has appeared in Esquire, The Wall Street Journal and numerous other publications.<a href="https://www.bankrate.com/authors/julia-carpenter/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/10/22134838/Julie-Linton.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/julie-linton/" > <span class="font-bold text-lg leading-snug text-gray-900">Julie Linton</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Managing editor, Loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Julie Linton leads Loans coverage for Bankrate. 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sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/11/10144035/jsham.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/june-sham/" > <span class="font-bold text-lg leading-snug text-gray-900">June Sham</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Writer, Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> June Sham is a former insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and<a href="https://www.bankrate.com/authors/june-sham/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/11/15140722/00000IMG_00000_BURST20180510180340534_COVER-2-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/kaitlyn-tang/" > <span class="font-bold text-lg leading-snug text-gray-900">Kaitlyn Tang</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor I, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Kaitlyn Tang is a CreditCards.com editor who writes and edits factual, up-to-date and insightful content for its readers. She focuses on editing content that educates on how<a href="https://www.bankrate.com/authors/kaitlyn-tang/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/karen-bennett/" > <span class="font-bold text-lg leading-snug text-gray-900">Karen Bennett</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Senior consumer banking reporter</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Karen Bennett is a senior consumer banking reporter at Bankrate. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and<a href="https://www.bankrate.com/authors/karen-bennett/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/Karen0077" target="_blank" rel="nofollow" aria-label="Connect with Karen Bennett on Twitter" data-beam-element-clicked id="author_bio_karen_bennett_twitter_icon" data-type="icon" data-location="author_bio_karen_bennett" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path 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Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Kathleen Howley is Bankrate’s principal reporter and analyst for home and auto insurance. She has more than two decades of experience as a financial journalist.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/06/17151241/KK-headshot-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/katie-kelton/" > <span class="font-bold text-lg leading-snug text-gray-900">Katie Kelton</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 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0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/12/15150022/Kayla-Leng.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/kayla-leng/" > <span class="font-bold text-lg leading-snug text-gray-900">Kayla Leng</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" 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team of writers and editors dedicated to helping you get the most out of your credit cards — whether to<a href="https://www.bankrate.com/authors/kelly-waggoner/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/kswaggoner" target="_blank" rel="nofollow" aria-label="Connect with Kelly Waggoner on LinkedIn" data-beam-element-clicked id="author_bio_kelly_waggoner_linkedin_icon" data-type="icon" data-location="author_bio_kelly_waggoner" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn 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url(https://www.bankrate.com/2023/02/13104526/Kellye-Guinan.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/kellye-guinan/" > <span class="font-bold text-lg leading-snug text-gray-900">Kellye Guinan</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Personal Loans and Auto Loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Kellye Guinan is an editor and writer with over seven years of experience in personal finance.</div> </div> </div> </div> </div> <div class="text-center mt-10" x-show="!isOpen(9) && isOpen(8)" style="display: none;" > <a class="Link Link--standalone font-bold text-lg" @click="openToChunk(9)"> See more </a> </div> <div x-show="isOpen(9)" style="display: none;" > <div class="grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 xl:grid-cols-4 gap-x-6 gap-y-8 mt-8"> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/11/07090901/kemberley-washington.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/kemberley-washington/" > <span class="font-bold text-lg leading-snug text-gray-900">Kemberley Washington, CPA</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Tax expert and journalist</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Kemberley Washington, CPA, is a tax expert and journalist, and a former IRS agent with over 20 years of experience in tax policy. 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Kendall currently is a staff writer for NextAdvisor. 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She has written for personal finance publications for 15 years, covering a wide range of money topics throughout her<a href="https://www.bankrate.com/authors/kristen-kuchar/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/v6.94.0/next/img/authors/no-image.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/kristen-parker/" > <span class="font-bold text-lg leading-snug text-gray-900">Kristen Parker</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 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href="https://www.bankrate.com/authors/lance-davis/" > <span class="font-bold text-lg leading-snug text-gray-900">Lance Davis</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Vice President</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Lance Davis is the Vice President of Content for Bankrate, overseeing content for home lending, deposits, investing, consumer lending, insurance, credit cards and small business.<a 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url(https://www.bankrate.com/2021/12/22140321/Laura-Headshot.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/laura-gariepy/" > <span class="font-bold text-lg leading-snug text-gray-900">Laura Gariepy</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Laura Gariepy is the owner of Every Day by the Lake, LLC, a written content creation company that helps brands stay top of mind with their target market. 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Loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Lauren strives to simplify complex loan products and processes with over 12 years of experience in personal finance.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="mailto:lnowacki@bankrate.com" target="_blank" rel="nofollow" aria-label="Get in contact with Lauren Nowacki via Email" data-beam-element-clicked id="author_bio_lauren_nowacki_email_icon" data-type="icon" data-location="author_bio_lauren_nowacki" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Email Envelope Icon</title><path d="M7.463 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1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/12/22134818/leeron.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/leeron-hoory/" > <span class="font-bold text-lg leading-snug text-gray-900">Leeron Hoory</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" 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She has also reported on topics ranging from daily news, arts and<a href="https://www.bankrate.com/authors/leeron-hoory/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/10/21172050/lhall.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/liliana-hall/" > <span class="font-bold text-lg leading-snug text-gray-900">Liliana Hall</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Associate Editor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Liliana is an editor and journalist with a background in feature writing on the Bankrate Credit Cards team. </div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/liliana-hall/" target="_blank" rel="nofollow" aria-label="Connect with Liliana Hall on 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bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/linda-bell/" > <span class="font-bold text-lg leading-snug text-gray-900">Linda Bell</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Senior writer, Home lending</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Linda Bell is a senior writer on Bankrate's Home Lending team, producing content around HELOCs, financing home renovations, home equity loans and more.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/lindabell" target="_blank" rel="nofollow" aria-label="Connect with Linda Bell on Twitter" data-beam-element-clicked id="author_bio_linda_bell_twitter_icon" data-type="icon" data-location="author_bio_linda_bell" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 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href="https://www.bankrate.com/authors/lisa-dammeyer/" > <span class="font-bold text-lg leading-snug text-gray-900">Lisa Dammeyer</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Investing</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Lisa Dammeyer is an investing editor at Bankrate. She has more than six years of experience distilling down complex topics for everyday people.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/08/30134739/Lisa-McArdle-headshot-3-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/lisa-mcardle/" > <span class="font-bold text-lg leading-snug text-gray-900">Lisa McArdle</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor II, Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of<a href="https://www.bankrate.com/authors/lisa-mcardle/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="http://www.linkedin.com/in/lisasteuer" target="_blank" rel="nofollow" aria-label="Connect with Lisa McArdle on LinkedIn" data-beam-element-clicked id="author_bio_lisa_mcardle_linkedin_icon" data-type="icon" data-location="author_bio_lisa_mcardle" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/10/21144849/lbingler.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/liz-bingler/" > <span class="font-bold text-lg leading-snug text-gray-900">Liz Bingler</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help<a href="https://www.bankrate.com/authors/liz-bingler/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2020/07/09145423/Liz-Hund.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/liz-hund/" > <span class="font-bold text-lg leading-snug text-gray-900">Liz Hund</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Creative producer</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Liz Hund is a social producer at Bankrate and occasionally writes special features on-site with a social-first angle. Her writing has been featured on MSN, Business Insider and in<a href="https://www.bankrate.com/authors/liz-hund/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/liz_hund" target="_blank" rel="nofollow" aria-label="Connect with Liz Hund on Twitter" data-beam-element-clicked id="author_bio_liz_hund_twitter_icon" data-type="icon" data-location="author_bio_liz_hund" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 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3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/11/10112746/profile-photo.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/liza-carrasquillo/" > <span class="font-bold text-lg leading-snug text-gray-900">Liza Carrasquillo</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Credit Cards Editor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Liza Carrasquillo is an editor on the Bankrate credit cards team who focuses on providing accurate educational content to those at all stages of their credit card journey.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="mailto:lcarrasquillo@redventures.com" target="_blank" rel="nofollow" aria-label="Get in contact with Liza Carrasquillo via Email" data-beam-element-clicked id="author_bio_liza_carrasquillo_email_icon" data-type="icon" data-location="author_bio_liza_carrasquillo" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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1.41.467 1.992 0l.794-.646a.67.67 0 0 1 .082-.066l3.487-2.839a.655.655 0 0 1 .927.099.655.655 0 0 1-.099.926l-2.986 2.431 3.06 3.359a.655.655 0 1 1-.968.886l-3.11-3.415-.367.298c-.54.427-1.18.64-1.82.64v-.017Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/07/12113525/enealon-1.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/lizzie-nealon/" > <span class="font-bold text-lg leading-snug text-gray-900">Lizzie Nealon</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Insurance Contributor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" 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0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/07/25141115/Logan-Moore-headshot-2.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/logan-jacoby/" > <span class="font-bold text-lg leading-snug text-gray-900">Logan Jacoby</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Investing reporter</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Logan Jacoby is a financial journalist and investing writer for Bankrate where she covers foundational investing, cryptocurrency and alternative investments.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/v6.94.0/next/img/authors/no-image.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/lori-zaino/" > <span class="font-bold text-lg leading-snug text-gray-900">Lori Zaino</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Travel Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Lori Zaino is a contributor to Bankrate who is a freelance editor, writer and travel expert quoted in publications like Travel & Leisure and Time. 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She brings over five years of editorial expertise to the table and is<a href="https://www.bankrate.com/authors/madison-hoehn-cfei/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/madison-hoehn-66976b15b/" target="_blank" rel="nofollow" aria-label="Connect with Madison Hoehn, CFEI on LinkedIn" data-beam-element-clicked id="author_bio_madison_hoehn_cfei_linkedin_icon" data-type="icon" data-location="author_bio_madison_hoehn_cfei" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/06/08090323/magkemp.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/maggie-kempken/" > <span class="font-bold text-lg leading-snug text-gray-900">Maggie Kempken</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Managing Editor, Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Maggie is the managing editor for Bankrate insurance. In addition to overseeing the day-to-day operations of the insurance editorial team, she leads a team of licensed insurance<a href="https://www.bankrate.com/authors/maggie-kempken/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/10/02085737/Maggie-Klokkenga-2.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/maggie-klokkenga/" > <span class="font-bold text-lg leading-snug text-gray-900">Maggie Klokkenga</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Maggie Klokkenga is a CERTIFIED FINANCIAL PLANNER™, CPA, AFC®, and the founder of Make a Money Mindshift, a financial coaching firm in central Illinois.</div> </div> </div> </div> </div> <div class="text-center mt-10" x-show="!isOpen(11) && isOpen(10)" style="display: none;" > <a class="Link Link--standalone font-bold text-lg" @click="openToChunk(11)"> See more </a> </div> <div x-show="isOpen(11)" style="display: none;" > <div class="grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 xl:grid-cols-4 gap-x-6 gap-y-8 mt-8"> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/01/25160302/Headshot.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/mallika-mitra/" > <span class="font-bold text-lg leading-snug text-gray-900">Mallika Mitra</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Investing</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Mallika Mitra is a freelance writer and editor. She was previously a writer and editor at Money, where she wrote a weekly newsletter about investing, and a wide range of stories<a href="https://www.bankrate.com/authors/mallika-mitra/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/mitra_mallika" target="_blank" rel="nofollow" aria-label="Connect with Mallika Mitra on Twitter" data-beam-element-clicked id="author_bio_mallika_mitra_twitter_icon" data-type="icon" data-location="author_bio_mallika_mitra" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/mallika-mitra-4577a386/" target="_blank" rel="nofollow" aria-label="Connect with Mallika Mitra on LinkedIn" data-beam-element-clicked id="author_bio_mallika_mitra_linkedin_icon" data-type="icon" data-location="author_bio_mallika_mitra" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/11/05141048/Marc-Guberti-Headshot-Professional.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/marc-guberti/" > <span class="font-bold text-lg leading-snug text-gray-900">Marc Guberti</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Marc Guberti is a Certified Personal Finance Counselor who has been a finance freelance writer for five years. 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Banking</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Marc Wojno is a seasoned and accomplished finance editor and writer with more than two decades of experience editing and writing across a variety of news platforms including<a href="https://www.bankrate.com/authors/marc-wojno/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/marc-wojno-mba-54ab713" target="_blank" rel="nofollow" aria-label="Connect with Marc Wojno, MBA on LinkedIn" data-beam-element-clicked id="author_bio_marc_wojno_mba_linkedin_icon" data-type="icon" data-location="author_bio_marc_wojno_mba" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > 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Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Margaret Drummond is a personal finance expert focused on creating content that helps consumers increase financial wellness, wherever they are in their individual journey.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/margaret-drummond-b127049/" target="_blank" rel="nofollow" aria-label="Connect with Margaret Drummond on LinkedIn" data-beam-element-clicked id="author_bio_margaret_drummond_linkedin_icon" data-type="icon" data-location="author_bio_margaret_drummond" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" 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0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Margaret has written for Money Under 30, MoneyGeek, The Simple Dollar, CreditCards.com, Interest.com and Fiscal Tiger, among other publications. She writes about subjects<a href="https://www.bankrate.com/authors/margaret-wack/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/margaretwack/" target="_blank" rel="nofollow" aria-label="Connect with Margaret Wack on LinkedIn" data-beam-element-clicked id="author_bio_margaret_wack_linkedin_icon" data-type="icon" data-location="author_bio_margaret_wack" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 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cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Mariah Ackary is a former personal finance editor for Bankrate.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/ackarymariah" target="_blank" rel="nofollow" aria-label="Connect with Mariah Ackary on Twitter" data-beam-element-clicked id="author_bio_mariah_ackary_twitter_icon" data-type="icon" data-location="author_bio_mariah_ackary" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 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Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo<a href="https://www.bankrate.com/authors/mariah-posey/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/bankrate" target="_blank" rel="nofollow" aria-label="Connect with Mariah Posey on Twitter" data-beam-element-clicked id="author_bio_mariah_posey_twitter_icon" data-type="icon" data-location="author_bio_mariah_posey" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 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url(https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/mark-hamrick/" > <span class="font-bold text-lg leading-snug text-gray-900">Mark Hamrick</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Washington Bureau Chief, Senior Economic Analyst</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Mark Hamrick is Washington Bureau Chief for Bankrate. He is a national award-winning business and financial news journalist.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/hamrickisms" target="_blank" rel="nofollow" aria-label="Connect with Mark Hamrick on Twitter" data-beam-element-clicked id="author_bio_mark_hamrick_twitter_icon" data-type="icon" data-location="author_bio_mark_hamrick" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 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href="https://www.bankrate.com/authors/matthew-doffing/" > <span class="font-bold text-lg leading-snug text-gray-900">Matthew Doffing</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Consumer Banking Columnist</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Matthew Doffing is a consumer banking columnist at Bankrate. He focuses on helping depositors determine how best to grow their savings amidst the everchanging landscape of<a href="https://www.bankrate.com/authors/matthew-doffing/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/matthew-doffing/" target="_blank" rel="nofollow" aria-label="Connect with Matthew Doffing on LinkedIn" data-beam-element-clicked id="author_bio_matthew_doffing_linkedin_icon" data-type="icon" data-location="author_bio_matthew_doffing" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/01/18085503/Screen-Shot-2023-01-18-at-8.54.02-AM.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/mercedes-barba/" > <span class="font-bold text-lg leading-snug text-gray-900">Mercedes Barba</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former senior editor, investing</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Mercedes Barba was a senior investing editor at Bankrate. 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By 2019 he quit his full-time job and dove head first into his new passion: helping others build their<a href="https://www.bankrate.com/authors/micah-murray/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2025/01/02105408/michele-petry-headshot-new.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/michele-petry/" > <span class="font-bold text-lg leading-snug text-gray-900">Michele Petry</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Senior editor, Home Lending</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Michele Petry is a senior editor for Bankrate, leading the site’s real estate content.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/michele-petry/768b1328" target="_blank" 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Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Michelle Clardie is a seasoned investor who’s been writing professionally about saving and investing since 2017. She used the investment advice she covered to quit her day job<a href="https://www.bankrate.com/authors/michelle-clardie/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/07/17160456/NatalieTodoroffHeadshot-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/natalie-todoroff/" > <span class="font-bold text-lg leading-snug text-gray-900">Natalie Todoroff</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Writer II, Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/12/09141000/headshot-cropped.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/natasha-cornelius/" > <span class="font-bold text-lg leading-snug text-gray-900">Natasha Cornelius, CLU</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor II, Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Natasha Cornelius, CLU, is an insurance editor for Bankrate, specializing in auto, home and life insurance.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/natashacornelius/" target="_blank" rel="nofollow" aria-label="Connect with Natasha Cornelius, CLU on LinkedIn" data-beam-element-clicked 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<a class="row row-v no-underline" href="https://www.bankrate.com/authors/nicole-dieker/" > <span class="font-bold text-lg leading-snug text-gray-900">Nicole Dieker</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Nicole Dieker has been a full-time freelance writer since 2012—and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial 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url(https://www.bankrate.com/2023/01/24154159/Nina-Semczuk-large-headshot-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/nina-semczuk/" > <span class="font-bold text-lg leading-snug text-gray-900">Nina Semczuk</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Senior Editor, Wealth</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Nina Semczuk is a former editor on the Bankrate team. In previous roles, she’s worked on content for SmartAsset, MagnifyMoney, LendingTree, Money, Fairygodboss and The Muse.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/nina-semczuk" target="_blank" rel="nofollow" aria-label="Connect with Nina Semczuk on LinkedIn" data-beam-element-clicked id="author_bio_nina_semczuk_linkedin_icon" data-type="icon" data-location="author_bio_nina_semczuk" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div> </div> <div class="text-center mt-10" x-show="!isOpen(13) && isOpen(12)" style="display: none;" > <a class="Link Link--standalone font-bold text-lg" @click="openToChunk(13)"> See more </a> </div> <div x-show="isOpen(13)" style="display: none;" > <div class="grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 xl:grid-cols-4 gap-x-6 gap-y-8 mt-8"> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/09122243/Untitled-23.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/nouri-zarrugh/" > <span class="font-bold text-lg leading-snug text-gray-900">Nouri Zarrugh</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Senior Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards<a href="https://www.bankrate.com/authors/nouri-zarrugh/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/nourizarrugh" target="_blank" rel="nofollow" aria-label="Connect with Nouri Zarrugh on Twitter" data-beam-element-clicked id="author_bio_nouri_zarrugh_twitter_icon" data-type="icon" data-location="author_bio_nouri_zarrugh" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/nouri-zarrugh/" target="_blank" rel="nofollow" aria-label="Connect with Nouri Zarrugh on LinkedIn" data-beam-element-clicked id="author_bio_nouri_zarrugh_linkedin_icon" data-type="icon" data-location="author_bio_nouri_zarrugh" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://res.cloudinary.com/highereducation/image/upload/v1670254594/Headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/pippin-wilbers/" > <span class="font-bold text-lg leading-snug text-gray-900">Pippin Wilbers</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor II, Loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Pippin Wilbers, CCC™, is a Bankrate editor specializing in personal and auto loans. Pippin is passionate helping borrowers stay up-to-date and feel empowered in a changing and<a href="https://www.bankrate.com/authors/pippin-wilbers/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/pippinwilbers/" target="_blank" rel="nofollow" aria-label="Connect with Pippin Wilbers on LinkedIn" data-beam-element-clicked id="author_bio_pippin_wilbers_linkedin_icon" data-type="icon" data-location="author_bio_pippin_wilbers" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path 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Credit cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Poonkulali Thangavelu is a senior writer and columnist at CreditCards.com and Bankrate, addressing debt and credit card-related legal and regulatory issues.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/marketmoves" target="_blank" rel="nofollow" aria-label="Connect with Poonkulali Thangavelu on Twitter" data-beam-element-clicked id="author_bio_poonkulali_thangavelu_twitter_icon" data-type="icon" data-location="author_bio_poonkulali_thangavelu" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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url(https://www.bankrate.com/2022/03/07131725/Headshot-Photo.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/redreyona-walker/" > <span class="font-bold text-lg leading-snug text-gray-900">Re'Dreyona Walker</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Associate Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Re'Dreyona Walker is an editor for Bankrate and CreditCards.com, focusing on product guides and reviews. 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She writes about insurance to help educate readers on how to better safeguard their assets.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/rebecca-betterton/" > <span class="font-bold text-lg leading-snug text-gray-900">Rebecca Betterton</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path 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Rebekah holds a bachelor’s degree with a<a href="https://www.bankrate.com/authors/rebekah-hovey/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> </div> </div> <div class="text-center mt-10" x-show="!isOpen(14) && isOpen(13)" style="display: none;" > <a class="Link Link--standalone font-bold text-lg" @click="openToChunk(14)"> See more </a> </div> <div x-show="isOpen(14)" style="display: none;" > <div class="grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 xl:grid-cols-4 gap-x-6 gap-y-8 mt-8"> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/06/03130626/Image-from-iOS-1-e1622740033633.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/rebekah-personius/" > <span class="font-bold text-lg leading-snug text-gray-900">Rebekah Personius</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Insurance Editor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Rebekah Personius is an insurance editor for Bankrate. She coordinates the creation of educational insurance content that helps people make informed insurance decisions. 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She loves sharing educational insight with those who are looking to learn more about<a href="https://www.bankrate.com/authors/rebekah-rosado-evans/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/06/06165517/Reena-Thomas.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/reena-thomas-phd/" > <span class="font-bold text-lg leading-snug text-gray-900">Reena Thomas, Ph.D.</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor II, Credit cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Reena Thomas, Ph.D., is an editor/writer at Bankrate and CreditCards.com with a focus on credit card reward offers.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/02/05142942/FOR_WEB_UPLOADING-4.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/rena-goldman/" > <span class="font-bold text-lg leading-snug text-gray-900">Rena Goldman</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Rena Goldman is a freelance writer for Bankrate. 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url(https://www.bankrate.com/2022/02/15085430/bennett_rene_head.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/rene-bennett/" > <span class="font-bold text-lg leading-snug text-gray-900">René Bennett</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Banking writer</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> René Bennett is a former writer for Bankrate, reporting on banking products and personal finance.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/rhys-subitch/" > <span class="font-bold text-lg leading-snug text-gray-900">Rhys Subitch</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Editor, Personal Loans, Auto Loans, and Debt</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Rhys Subitch is a Bankrate editor who leads an editorial team dedicated to developing educational content about personal loans products for every part of life.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" 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xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Marketing Manager, Homes</span> </div> </div> <div class="mt-6 border-t"></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/08/22131708/rob-watts-headshot.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/rob-watts/" > <span class="font-bold text-lg leading-snug text-gray-900">Rob Watts</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Senior editor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Rob is a Senior Editor at Bankrate.com. With over a decade of experience covering small business and tech content, Rob is passionate about giving readers the best possible<a href="https://www.bankrate.com/authors/rob-watts/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="mailto:rwatts@redventures.com" target="_blank" rel="nofollow" aria-label="Get in contact with Rob Watts via Email" data-beam-element-clicked id="author_bio_rob_watts_email_icon" data-type="icon" data-location="author_bio_rob_watts" data-position="top" data-text="email" data-outcome="open_email" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Email Envelope 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no-underline" href="https://www.bankrate.com/authors/robin-saks-frankel/" > <span class="font-bold text-lg leading-snug text-gray-900">Robin Saks Frankel</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Writer, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/04/26124939/ronda_headshot-2.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/ronda-sunderhaus/" > <span class="font-bold text-lg leading-snug text-gray-900">Ronda Sunderhaus</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Senior compliance associate, Bankrate</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Ronda Sunderhaus has been a licensed insurance agent since 2013 and is a senior compliance associate in the insurance field. </div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2022/02/04150515/Profile-Picture.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/ruben-caginalp/" > <span class="font-bold text-lg leading-snug text-gray-900">Ruben Caginalp</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former associate writer, Home Lending</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Ruben Çağınalp is a former associate writer on Bankrate’s Home Lending team. A graduate of Fordham University, he began his professional career with Bankrate in January 2022,<a href="https://www.bankrate.com/authors/ruben-caginalp/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/ruben-caginalp/" target="_blank" rel="nofollow" aria-label="Connect with Ruben Caginalp on LinkedIn" data-beam-element-clicked id="author_bio_ruben_caginalp_linkedin_icon" data-type="icon" data-location="author_bio_ruben_caginalp" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn 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xl:grid-cols-4 gap-x-6 gap-y-8 mt-8"> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/01/31161013/ryan_flanigan__small_size__copy.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/ryan-flanigan/" > <span class="font-bold text-lg leading-snug text-gray-900">Ryan Flanigan, CCC</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Writer, Credit cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Ryan Flanigan is a Bankrate credit cards writer with more than 10 years of experience using credit cards to help people reach their travel goals.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/09/22141018/rnoonan1.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/ryan-noonan/" > <span class="font-bold text-lg leading-snug text-gray-900">Ryan Noonan</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Writer, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Ryan Noonan is a former writer for Bankrate and CreditCards.com and is a graduate of the School of Journalism at Ohio State University. </div> <div 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conveyed with numbers. Whether it’s data on the nation’s credit card debt or the financial struggles<a href="https://www.bankrate.com/authors/sabrina-karl/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/sabrina-karl/" target="_blank" rel="nofollow" aria-label="Connect with Sabrina Karl on LinkedIn" data-beam-element-clicked id="author_bio_sabrina_karl_linkedin_icon" data-type="icon" data-location="author_bio_sabrina_karl" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/v6.94.0/next/img/authors/no-image.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/sally-herigstad/" > <span class="font-bold text-lg leading-snug text-gray-900">Sally Herigstad</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> 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’<a href="https://www.bankrate.com/authors/sally-herigstad/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/sally-herigstad-11535a6/" target="_blank" rel="nofollow" aria-label="Connect with Sally Herigstad on LinkedIn" data-beam-element-clicked id="author_bio_sally_herigstad_linkedin_icon" data-type="icon" data-location="author_bio_sally_herigstad" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/03/10103730/Untitled5.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/sarah-brodsky/" > <span class="font-bold text-lg leading-snug text-gray-900">Sarah Brodsky</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Personal Finance Expert Contributor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Sarah Brodsky is a freelance writer specializing in personal finance and economics. 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url(https://www.bankrate.com/2021/08/27160152/sestime.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/sarah-estime/" > <span class="font-bold text-lg leading-snug text-gray-900">Sarah Estime</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Former Associate Writer, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> As a former staff writer for Bankrate and CreditCards.com, Sarah offers sound advice that will improve your financial life and help simplify topics like travel hacking and credit<a href="https://www.bankrate.com/authors/sarah-estime/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/08/16144355/sarah-foster-cropped.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/sarah-foster/" > <span 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Editor, Credit Cards</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Sarah Gage is a managing editor on the Bankrate team. 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She has been featured in publications such<a href="https://www.bankrate.com/authors/sarah-george/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/12/08152540/Senitra-Horbrook-headshot-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/senitra-horbrook/" > <span class="font-bold text-lg leading-snug text-gray-900">Senitra Horbrook</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Senitra Horbrook is a contributor to Bankrate covering personal finance, credit cards, rewards credit cards and travel credit cards. She specializes in content on how to maximize<a href="https://www.bankrate.com/authors/senitra-horbrook/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/pointstravelher" target="_blank" rel="nofollow" aria-label="Connect with Senitra Horbrook on Twitter" data-beam-element-clicked id="author_bio_senitra_horbrook_twitter_icon" data-type="icon" data-location="author_bio_senitra_horbrook" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 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class="font-bold text-lg leading-snug text-gray-900">Shannon Martin</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Bankrate Insurance Expert | Writer, Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. 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</div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Steven Dashiell is an editor for Bankrate and CreditCards.com with expertise in rewards credit cards, financial literacy, and helping consumers build and maintain their credit.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/suzanne-de-vita/" > <span class="font-bold text-lg leading-snug text-gray-900">Suzanne De Vita</span> <span class="Icon ml-4 text-blue-600"><svg 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Holmes</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Personal Finance Writer</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Tamara E. Holmes is a Washington, DC-based writer and editor. 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He focuses on the credit card industry and helps consumers maximize rewards, get out of debt and improve their credit scores.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/tedrossman" target="_blank" rel="nofollow" aria-label="Connect with Ted Rossman on Twitter" data-beam-element-clicked id="author_bio_ted_rossman_twitter_icon" data-type="icon" data-location="author_bio_ted_rossman" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 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no-underline" href="https://www.bankrate.com/authors/theresa-stevens/" > <span class="font-bold text-lg leading-snug text-gray-900">Theresa Stevens</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Theresa Stevens is a contributor at Bankrate.</div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/12/06112139/Headshot2-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/thomas-brock/" > <span class="font-bold text-lg leading-snug text-gray-900">Thomas Brock, CFA, CPA</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Expert Reviewer</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Thomas is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. His investment experience includes oversight<a href="https://www.bankrate.com/authors/thomas-brock/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/10/11115315/ThomasNitzsche-14-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/thomas-nitzsche/" > <span class="font-bold text-lg leading-snug text-gray-900">Thomas Nitzsche</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Financial Educator, Debt and Credit</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Thomas Nitzsche is 15-year veteran at Money Management International (MMI), the leading provider of nonprofit financial counseling and education in the United States.</div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/repaydebt" 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on LinkedIn" data-beam-element-clicked id="author_bio_thomas_nitzsche_linkedin_icon" data-type="icon" data-location="author_bio_thomas_nitzsche" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2023/11/27095151/IMG_2633-scaled.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/tim-lamere/" > <span class="font-bold text-lg leading-snug text-gray-900">Tim LaMere</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Expert Reviewer</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Tim LaMere has worked in the insurance industry for over 20 years.</div> </div> </div> </div> </div> <div class="text-center mt-10" x-show="!isOpen(17) && isOpen(16)" style="display: none;" > <a class="Link Link--standalone font-bold text-lg" @click="openToChunk(17)"> See more </a> </div> <div x-show="isOpen(17)" > <div class="grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 xl:grid-cols-4 gap-x-6 gap-y-8 mt-8"> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/06/02154438/TimMaxwell2.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/tim-maxwell/" > <span class="font-bold text-lg leading-snug text-gray-900">Tim Maxwell</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Credit and Real Estate</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Tim is a freelance personal finance writer and blogger with a particular focus on credit cards and consumer lending. In 2002, he stumbled upon a copy of "The Millionaire Next<a href="https://www.bankrate.com/authors/tim-maxwell/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/bytimmaxwell/" target="_blank" rel="nofollow" aria-label="Connect with Tim Maxwell on LinkedIn" data-beam-element-clicked id="author_bio_tim_maxwell_linkedin_icon" data-type="icon" data-location="author_bio_tim_maxwell" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1 user-card--full"> <div class="column rounded-lg bg-white shadow-md w-full p-6 sm:pt-0"> <div class="row row-v sm:column sm:row-t"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/04/22100516/Steuer.Tony-Headshot-.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4 sm:mr-0"></div> </div> <div class="column sm:mt-2"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/tony-steuer/" > <span class="font-bold text-lg leading-snug text-gray-900">Tony Steuer</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Expert Reviewer, CLU, LA, CPFFE</span> </div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Tony Steuer, CLU, LA, CPFFE is an internationally recognized financial preparedness advocate, podcaster, and award-winning author. Tony developed the Get Ready Movement to empower<a href="https://www.bankrate.com/authors/tony-steuer/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://linkedin.com/in/tonysteuer" target="_blank" rel="nofollow" aria-label="Connect with Tony Steuer on LinkedIn" data-beam-element-clicked id="author_bio_tony_steuer_linkedin_icon" data-type="icon" data-location="author_bio_tony_steuer" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 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</div> </div> <div class="mt-6 border-t"></div> <div class="mt-4 text-gray-700 text-sm"> Tori Rubloff is an editor at Bankrate, where she manages staff writers, copyedits feature articles and oversees production of data-driven, timely content that empowers readers to<a href="https://www.bankrate.com/authors/tori-rubloff/" class="no-underline font-bold text-blue-600" target="_blank">…</a></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/tori-rubloff/" target="_blank" rel="nofollow" aria-label="Connect with Tori Rubloff on LinkedIn" data-beam-element-clicked id="author_bio_tori_rubloff_linkedin_icon" data-type="icon" data-location="author_bio_tori_rubloff" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon 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Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.</div> </div> <div class="relative"> <div class="force-full-vw gutter pt-12" style="margin-bottom: calc(var(--featured-cards-offset) * -1)"> <div class="flex wrapper"> <div class="w-full px-4 sm:px-0"> <div class="grid grid-cols-1 md:grid-cols-2 md:grid-cols-(--cols) gap-6" style="--cols: repeat(2, minmax(0, 1fr))"> <div class="SimpleCard bg-white p-8 h-full flex flex-col shadow-sm rounded-md" > <h4 class="SimpleCard-title heading-4 mt-0 mb-4"> Key principles </h4> <div class="SimpleCard-copy text-base text-gray-700"><div>We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. 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C33.8446949,23.6605933 35.4338496,22.8595793 36.09375,21.4 L39.033125,21.4 C38.3095348,24.456043 35.415159,26.4883759 32.2949871,26.1312929 C29.1748151,25.7742099 26.8144364,23.1405052 26.8,20 C26.8,16.5758346 29.5758346,13.8 33,13.8 L33,13.8 Z M7,16.6 C5.12223185,16.6 3.6,18.1222319 3.6,20 C3.6,21.8777681 5.12223185,23.4 7,23.4 C8.87776815,23.4 10.4,21.8777681 10.4,20 C10.4,18.1222319 8.87776815,16.6 7,16.6 L7,16.6 Z M20,16.6 C18.1222319,16.6 16.6,18.1222319 16.6,20 C16.6,21.8777681 18.1222319,23.4 20,23.4 C21.8777681,23.4 23.4,21.8777681 23.4,20 C23.4,18.1222319 21.8777681,16.6 20,16.6 L20,16.6 Z" class="icon-base"></path> </svg></div> </div> </div></div> </section> <section id="contributors" class="section-wrapper bg-(--bg-color) bg-transparent py-0 py-(--py) frame" style="--py: 0rem; --bg-color: var(--color-transparent);"> <div class="wrapper"> <div data-cy="" class="Headline w-full text-center"> <span class="type-heading-six uppercase mb-2 text-blue-600"> Bankrate financial network</span> <h2 class="heading-2"> Meet our expert contributors </h2> </div> <div class="wysiwyg block w-full"> <div class="text-center text-slate">Beyond our dedicated team of reporters and editors, Bankrate employs a vast network of personal finance contributors.</div> <div class="text-center text-slate">They use their connections and subject matter expertise to add depth and authority to our coverage.</div></div> <div class="vertical-spacer pt-8 pt-(--pt) w-full" style="content: ''; --pt: 2rem"></div> <div class="user-card-list" x-data="userCardList"> <h2 class="heading-2 pb-4 mb-10 border-b border-gray-400">Bankrate contributors</h2> <div x-show="isOpen(0)" style="display: none;" > <div class="grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 xl:grid-cols-4 gap-x-6 gap-y-8 mt-8"> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/01/29131956/Agnes-Gaddis.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/agnes-gaddis/" > <span class="font-bold text-lg leading-snug text-gray-900">Agnes Gaddis</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Home lending</span> </div> </div> <div class="mt-6 border-t"></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/AlanaGaddis" target="_blank" rel="nofollow" aria-label="Connect with Agnes Gaddis on Twitter" data-beam-element-clicked id="author_bio_agnes_gaddis_twitter_icon" data-type="icon" data-location="author_bio_agnes_gaddis" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 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class="mt-6 border-t"></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/allison-e-martin-cfei-549a7851" target="_blank" rel="nofollow" aria-label="Connect with Allison Martin on LinkedIn" data-beam-element-clicked id="author_bio_allison_martin_linkedin_icon" data-type="icon" data-location="author_bio_allison_martin" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 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bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/allyson-johnson/" > <span class="font-bold text-lg leading-snug text-gray-900">Allyson Johnson</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Head of investor relations, Gateway Partners</span> </div> </div> <div class="mt-6 border-t"></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 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1.41.467 1.992 0l.794-.646a.67.67 0 0 1 .082-.066l3.487-2.839a.655.655 0 0 1 .927.099.655.655 0 0 1-.099.926l-2.986 2.431 3.06 3.359a.655.655 0 1 1-.968.886l-3.11-3.415-.367.298c-.54.427-1.18.64-1.82.64v-.017Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/11/26141710/Anna-Louise-Jackson-headshot.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/anna-louise-jackson/" > <span class="font-bold text-lg leading-snug text-gray-900">Anna-Louise Jackson</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" 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Roberts, CPCU, AIC, RPA, ITP</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Expert Contributor, Insurance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/chantal-roberts-cmrconsulting/" target="_blank" rel="nofollow" aria-label="Connect with Chantal M. 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<div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/chelsea-wing/" > <span class="font-bold text-lg leading-snug text-gray-900">Chelsea Wing</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Form editor, Student loans</span> </div> </div> <div class="mt-6 border-t"></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link 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p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/05/25130436/no_image_author14.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/ellen-chang/" > <span class="font-bold text-lg leading-snug text-gray-900">Ellen Chang</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributing writer</span> </div> </div> <div class="mt-6 border-t"></div> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/06/28173918/Emma-Woodward-Headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/emma-woodward/" > <span class="font-bold text-lg leading-snug text-gray-900">Emma Woodward</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 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text-gray-900">Erin Gobler</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Personal finance writer</span> </div> </div> <div class="mt-6 border-t"></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/eringobler" target="_blank" rel="nofollow" aria-label="Connect with Erin 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</div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2025/03/17103203/erin_lowry_headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/erin-lowry/" > <span class="font-bold text-lg leading-snug text-gray-900">Erin Lowry</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Expert Reviewer, Personal Finance</span> </div> </div> <div class="mt-6 border-t"></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" href="https://twitter.com/BrokeMillennial" target="_blank" rel="nofollow" aria-label="Connect with Erin Lowry on Twitter" data-beam-element-clicked id="author_bio_erin_lowry_twitter_icon" data-type="icon" data-location="author_bio_erin_lowry" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 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url(https://www.bankrate.com/2021/04/19142625/Grace-Kim-Headshot.jpeg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/grace-kim/" > <span class="font-bold text-lg leading-snug text-gray-900">Grace Kim</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Insurance Contributor</span> </div> </div> <div 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<span class="font-bold text-lg leading-snug text-gray-900">Heather Mullinix</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> </div> </div> <div class="mt-6 border-t"></div> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2018/11/13112827/MGP_2325.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full 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items-center text-gray-700 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/jason-steele/" target="_blank" rel="nofollow" aria-label="Connect with Jason Steele on LinkedIn" data-beam-element-clicked id="author_bio_jason_steele_linkedin_icon" data-type="icon" data-location="author_bio_jason_steele" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs size-(--size)" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2024/02/13090724/Jean-Folger_headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jean-folger/" > <span class="font-bold text-lg leading-snug text-gray-900">Jean Folger</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributor, Home lending</span> </div> </div> <div class="mt-6 border-t"></div> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/06/08192059/JeanneLeeHeadshot2018-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar 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<div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/08/25161602/Jeff-Head-shot-9-30-16.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jeffrey-beal/" > <span class="font-bold text-lg leading-snug text-gray-900">Jeffrey Beal</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> President, Real Estate Solutions</span> </div> </div> <div class="mt-6 border-t"></div> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/10/15182805/Jenna-Lea-Kelland.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jenna-lea-kelland/" > <span class="font-bold text-lg leading-snug text-gray-900">Jenna-Lea Kelland</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 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xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributing writer</span> </div> </div> <div class="mt-6 border-t"></div> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2020/04/30124443/Jennifer-Calonia-headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jennifer-calonia/" > <span class="font-bold text-lg leading-snug text-gray-900">Jennifer Calonia</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Contributing writer</span> </div> </div> <div class="mt-6 border-t"></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-700 p-3 hover:text-blue-600" 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0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2024/06/11141656/Jennifer-Gorman.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/jennifer-gorman/" > <span class="font-bold text-lg leading-snug text-gray-900">Jennifer Gorman</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" 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0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/brp/2025/01/24125453/VCM-Headshot.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/kenneth-chavis-iv/" > <span class="font-bold text-lg 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<div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/mark-friedlander/" > <span class="font-bold text-lg leading-snug text-gray-900">Mark Friedlander</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </a> <span class="text-sm leading-snug pt-2 pb-1"> Director of corporate communications, Insurance Information Institute</span> </div> </div> <div class="mt-6 border-t"></div> <div class="vertical-fill"></div> <ul class="AuthorSocialConnect List flex items-center mb-0 pt-4 sm:pt-3 -ml-3"> <li 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3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/2021/09/03180227/MichelleLBlackHeadshot179-scaled.jpg?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/michelle-black/" > <span class="font-bold text-lg leading-snug text-gray-900">Michelle Black</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 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</div> </div> <div class="user-card h-full flex flex-1"> <div class="column rounded-lg bg-white shadow-md w-full p-6"> <div class="row row-v"> <div class="h-full"> <div style="background-image: url(https://www.bankrate.com/v6.94.0/next/img/authors/no-image.png?auto=webp&optimize=high&width=80&height=80&fit=cover&crop=1:1,smart);" class="user-card-avatar bg-img bg-1:1 rounded-full overflow-hidden mr-4"></div> </div> <div class="column"> <a class="row row-v no-underline" href="https://www.bankrate.com/authors/taylor-medine/" > <span class="font-bold text-lg leading-snug text-gray-900">Taylor Medine</span> <span class="Icon ml-4 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 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