Been turned down for a credit card? You're not alone: With rising delinquencies and a $1.18 trillion debt load, issuers have tightened underwriting standards and, in late 2025, about one in five ...

Harlan Vaughn was formerly a credit cards editor for Forbes Advisor with over a decade of experience. With a deep understanding of the credit card industry, his passion for travel strategies drives ...

Flat-rate cash back credit cards allow you to maximize your spending without the headaches of navigating a complicated rewards program. Cash back is easy to redeem, and with the right rewards cards, ...

Paul Soucy has led the Credit Cards content team at NerdWallet since 2015 and the Travel Rewards team since 2023; he is also director of content for Consumer Credit verticals. He was an editor with ...

Robin has worked as a credit cards, editor and spokesperson for over a decade. Prior to Forbes Advisor, she also covered credit cards and related content for other national web publications including ...