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Reena Thomas, Ph.D.

Editor II, Credit cards
Ribbon Icon EXPERTISE
  • Rewards credit cards
  • Writing/literature
Education Icon EDUCATION
  • BA in English Literature, Cornell University
  • MA in English Literature, University of Dallas
  • Ph.D. in English Literature, University of Arizona

About the author
Reena Thomas, Ph.D., is an editor/writer at Bankrate and CreditCards.com with a focus on credit card reward offers. She enjoys delving into the credit card landscape to help readers make valuable credit card decisions that are right for them.

Reena has over a decade of experience in education and publishing. Before joining Bankrate in 2023, she was a copy editor for NurseJournal, Trillium Publishing, Voyager Expanded Learning, and Rockefeller University Press. She also worked as a tenure-track college English instructor after receiving her doctorate and has published academic articles.

When she isn't writing and researching about credit cards, Reena can be found exploring her neighborhood for charming coffee shops, scenic trails, and friendly dog parks.
Reena's recommended readings
A beginner’s guide to credit card points
Credit card rewards mistakes to avoid
Which rewards credit card is best for me?

Credit card knowledge – how to avoid and manage debt, build credit, optimize rewards and bonuses – is an integral part of financial literacy today. While it can be a bit daunting, learning the ins and outs of credit cards is worth it to help create a solid budget and strong financial foundation.

— Reena Thomas, Ph.D.

Reena's latest articles

  • Amazon Secured Card

    Consider the Amazon Prime Secured Card if you want to build credit and earn 2 percent back when you shop online. The best part? There's no annual fee.

    11 min read Nov 23, 2022

  • Mastercard® Gold Card™ Review

    The rewards might not be worth the annual fee compared to other premium cards, but the exclusive travel benefits and 24K gold coat might be worth it for some.

    13 min read Nov 21, 2022

  • Hilton Honors American Express Aspire Card

    With credits totaling more than the annual fee, the Hilton Honors American Express Aspire card offers tremendous value for those who prefer staying with Hilton.

    18 min read Nov 10, 2022

  • Marriott Bonvoy Boundless® Credit Card Review

    The Marriott Bonvoy Boundless® Credit Card is replacing the Marriott Premier Plus Credit Card, and new cardholders have the chance to earn 100,000 bonus points after spending $3,000 on purchases within the first three months after account activation (for a limited time).

    3 min read Nov 09, 2022

  • GM BuyPower Card From Capital One

    A card you’ll want to keep in your wallet if you’re in the market for a new car, particularly in the GM family.

    11 min read Oct 24, 2022