Best secured business credit cards
A secured business credit card can help get your small business off the ground.
4 min read
Oct 23, 2024
Reena Thomas, Ph.D.
Editor II, Credit cards
EXPERTISE
- Rewards credit cards
- Writing/literature
EDUCATION
- BA in English Literature, Cornell University
- MA in English Literature, University of Dallas
- Ph.D. in English Literature, University of Arizona
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.
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
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I’m a credit cards editor who hates annual-fee cards. Here’s why my colleague thinks I should reconsider
4 reasons I’ve avoided credit card annual fees, and why my colleague thinks I should reconsider
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Mastercard® Black Card™
The Mastercard Black Card comes with many of the upscale perks we’ve come to expect from an expensive travel card.
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Credit One Bank® Platinum Visa® for Rebuilding Credit
The Credit One Bank® Platinum Visa® for Rebuilding Credit can help users build their credit score while earning a modest amount of cash back rewards.
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Best credit cards for medical expenses
If you need to pay for surprise medical expenses with credit, make sure to pick the right card and pay off your medical debt as quickly as you can.
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Best credit cards for paying off debt
A credit card with a 0 percent intro APR can help you pay off debt.
4 min read Jan 30, 2024 -
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
The Petal 2 Visa Credit Card allows cardholders to build credit while earning cash back along the way.
9 min read Oct 24, 2023 -
Bank of America® Platinum Plus® Mastercard® Business card
The Bank of America Platinum Plus Mastercard Business card has a low APR and no annual fee, making it a good card for business owners making large purchases.
11 min read Jun 06, 2023
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AAdvantage® Aviator® Red World Elite Mastercard®
An attractive card for just about anyone who travels with American Airlines.
13 min read Mar 30, 2023 -
Kroger Rewards World Mastercard®
This card offers tiered points geared toward purchases made in Kroger stores and on Kroger-brand products.
11 min read Mar 30, 2023 -
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One of the only debit cards that gives you a chance to build credit, the Zolve Azpire card can be a great option if you’d rather avoid traditional credit card fees and interest.
8 min read Mar 10, 2023 -
Deserve® EDU Mastercard for Students
A good starter card for those with little to no credit. However, starter cards with more lucrative rewards and deeper benefits exist.
14 min read Feb 24, 2023 -
Bank of America® Unlimited Cash Rewards credit card
The Bank of America Unlimited Cash card is par for the course but can be top-tier if you have enough money for elite Preferred Rewards status.
16 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.
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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.
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Mastercard® Gold Card™
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