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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

  • Bankrate awards 2024 credit cards banner featuring a hand reaching toward a credit card

    Credit cards

    See 2024 Bankrate Award winners and learn which make sense for your goals and spending habits. Find cards for everyday use, travel, dining and more.

    6 min read Jan 01, 2024
  • Avant Credit Card

    The Avant Credit Card is an unsecured credit card designed for someone with a fair or average credit score or a limited credit history. It requires no deposit and can help you build credit with responsible use, but doesn't offer many other benefits.

    10 min read Dec 19, 2023
  • Discover it® Miles

    Discover’s sole travel card is a great starter value if you want versatile travel rewards, but many competitors may benefit you more with beefier travel perks.

    12 min read Aug 07, 2023
  • Unlimited Cash Back Bank Account by Green Dot

    Green Dot’s rewards debit card carries seemingly better rates than competitors’, but its possible monthly fee and bonus category restrictions scuttle its cash back potential.

    12 min read Apr 05, 2023
  • BMO Cash Back Credit Card

    The BMO Cash Back Credit Card could offer a lot of everyday value, especially if you spend heavily on streaming and TV services. Read our full review for all this card's pros and cons.

    12 min read Mar 30, 2023