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Jason Steele

Contributor |  In Credit Cards, Personal Finance

Jason Steele has been writing about credit cards and personal finance since 2008, poring through the terms and conditions of credit card agreements to understand the minutiae of how these products work. His work has appeared on Yahoo, MSN, HuffingtonPost and other major news outlets. In his free time, Jason’s a commercial pilot. He graduated from the University of Delaware with a degree in History.

7 Things You Can Do to Get a Better Credit Card

Credit Cards

7 Things You Can Do to Get a Better Credit Card

7 Things You Can Do to Get a Better Credit Card

Do your credit cards have high interest rates, costly fees, or substandard rewards and benefits? If so, you don’t need to continue to use a card when there are other options available. Here are seven things that you can to to get a better credit card. 1. Ask for a Lower Rate Many credit cards... Read More

How to Apply for a Credit Card When You’re Unemployed

Credit Cards

How to Apply for a Credit Card When You’re Unemployed

How to Apply for a Credit Card When You’re Unemployed

When you’re unemployed, applying for a new credit card is probably one of the last things on your mind. But even when you don’t have a job, you might still need a card for the security, convenience, rewards and benefits it offers. If you’re eyeing a new piece of plastic, read on to learn how to apply for... Read More

7 Unusual Ways to Use Credit Card Rewards

Credit Cards

7 Unusual Ways to Use Credit Card Rewards

7 Unusual Ways to Use Credit Card Rewards

Credit card rewards can be extremely valuable, but most people tend to redeem them for some rather boring options. Common credit card rewards include cash back, gift cards, merchandise and travel reservations. Nevertheless, the credit card industry is extremely competitive, and it’s always looking for new and interesting ways for customers to redeem their rewards.... Read More

5 Credit Cards Perfect for New Homeowners

Credit Card Reviews

5 Credit Cards Perfect for New Homeowners

5 Credit Cards Perfect for New Homeowners

[DISCLOSURE: Cards from our partners are mentioned below.] Summer is a time when many families find themselves moving into a new home. And whether you are a first-time homebuyer or upgrading to a new place, moving presents many challenges. Your new home will likely need furniture, housewares and decor — all at a time when... Read More

5 Things Guaranteed to Happen When You Apply for a Credit Card

Credit Cards

5 Things Guaranteed to Happen When You Apply for a Credit Card

5 Things Guaranteed to Happen When You Apply for a Credit Card

Ever wonder what happens when you apply for a credit card? You submit the application, but what happens afterward remains a mystery to most people. That’s because credit card applications can be processed a bit differently, depending on the issuer. Underwriting standards vary, issuers may look at different versions of your credit reports or credit scores and varying... Read More

4 Credit Cards for Coffee Lovers

Credit Card Reviews

4 Credit Cards for Coffee Lovers

4 Credit Cards for Coffee Lovers

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] While tea is the hot beverage of choice across much of the world, Americans decidedly prefer coffee. Many Americans stop at... Read More

5 Credit Cards That Have Been Around Forever

Credit Card Reviews

5 Credit Cards That Have Been Around Forever

5 Credit Cards That Have Been Around Forever

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] Recently, American Express celebrated the 25th anniversary of its Membership Rewards program. And, while 25 years might not seem like a very... Read More

5 Credit Cards That Can Make You a VIP Instantly

Credit Card Reviews

5 Credit Cards That Can Make You a VIP Instantly

5 Credit Cards That Can Make You a VIP Instantly

[Update: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] Many businesses offer their customers preferential treatment based on their status in its loyalty program or by having and... Read More

6 Credit Card Features You Might Be Overlooking

Credit Cards

6 Credit Card Features You Might Be Overlooking

6 Credit Card Features You Might Be Overlooking

Credit card perks come in all shapes and sizes. But if you haven’t looked through the terms and conditions in awhile, chances are you have no clue what’s on offer. Here are six valuable features you may not have noticed. 1. Rental Car Insurance Many travelers pay extra for the expensive insurance offered by rental car companies,... Read More

Can I Apply for More Than One Credit Card at the Same Time?

Credit Cards

Can I Apply for More Than One Credit Card at the Same Time?

Can I Apply for More Than One Credit Card at the Same Time?

When you go to the hardware store to buy tools, you often find that you need more than one. Likewise, there are also some times when you may feel inclined to apply for multiple credit cards at once. Sometimes, there are several special, limited-time offers that you want to take advantage of, while other times you... Read More

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Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

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The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

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The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

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Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.



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