Re'Dreyona Walker

Associate Editor, Credit Cards
Ribbon Icon EXPERTISE
  • Reward credit cards
  • Balance transfer credit cards
  • Credit card debt management
  • Credit card comparisons
Education Icon EDUCATION
  • Bachelor of Science in Journalism and Mass Communication with a concentration in Public Relations, North Carolina Agricultural and Technical State University

 

Re'Dreyona Walker is an editor for Bankrate and CreditCards.com, focusing on credit card product guides and reviews. As a personal finance expert, she is dedicated to providing honest, in-depth advice on topics such as balance transfer cards, credit card debt and credit card fees to assist readers in managing their credit. She is also knowledgeable about cash back, points and miles rewards, which enables her to help readers find the best credit cards for their needs.

Before joining CreditCards.com and Bankrate in January 2022, Re’Dreyona began writing and editing in the personal finance space for digital marketing company Three Ships, where she wrote automotive content covering various finance-related topics like insurance, warranties, and shipping for various online publications such as Motor1, The Detroit Bureau, Automoblog and more.

When she isn’t sifting through Bankrate articles, Re'Dreyona spends her free time reading new books, watching historical fiction shows and movies, and visiting museums, bookshops, and restaurants. She also enjoys spending time with family and friends, traveling, and tending to her growing collection of plants and art pieces.

Re’Dreyona wants you to know

Building credit as a young Gen Zer like myself isn't as easy as it sounds. Depending on your circumstances, it could be easy to get a credit card, but it's not so easy to keep it in good standing. A few tips I’ve learned for building your credit while you're still learning the ropes are to not apply for too many cards at once. Apply for one or two — and only one major credit card at first. If you qualify for more than one, apply for them after you've had that first card for several months.

Use your credit card responsibly by paying off your balance every month, and try not to carry a balance over from month to month. It’s best to not use more than 30 percent of your available credit limit. Keep an eye on your credit score by checking it once a year at least to see where you could improve. And lastly, choose wisely, as it’s important to do your research before settling with your first credit card.

Re’Dreyona’s recommended readings

I'm passionate about helping others gain control of their finances and live the life they want to live, which is why I focus on creating engaging, informative content that rises above the noise to help readers make better decisions about the credit cards they choose.

— Re'Dreyona Walker

Re’Dreyona's latest articles

  • Chase Slate Edge℠

    The Chase Slate Edge offers more long-term value than the legacy Slate as a low-interest card, but its intro and ongoing APR are easily outperformed.

    12 min read Dec 20, 2022

  • Journey Student Rewards from Capital One

    A decent flat-rate card that allows students to begin building their credit files, but other student cards, even Capital One cards, are more rewarding options.

    5 min read Dec 15, 2022

  • OpenSky® Secured Visa® Credit Card

    The OpenSky Secured Visa Credit Card can help you rebuild your credit or create credit from scratch. Plus, there's no credit check, so anyone can qualify. The downside is that there aren't many perks.

    11 min read Dec 07, 2022

  • Gold Visa® Card

    This brass-tacks card offers some of the lowest rates and fees available for PenFed members—accessible by both military members and civilians.

    11 min read Dec 01, 2022

  • Chase Freedom® Student credit card

    The Chase Freedom Student credit card is a solid starter card for students who want to earn cash back rewards and build their credit.

    8 min read Dec 01, 2022