MR
Credit Cards & Borrowing Editor

Marcus Reed

11 years reviewing cards and consumer loans; certified credit counselor

Marcus has reviewed hundreds of credit cards and loan products and has the spreadsheet to prove it. He cares less about flashy sign-up bonuses than about the cost of carrying a balance, the real value of rewards after annual fees, and whether a "0% APR" offer is a deal or a trap. As a certified credit counselor, he writes for people building or rebuilding credit as much as for points optimizers.

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What Marcus covers

cash back cardstravel cardsbalance transfer cardssecured cardspersonal loansauto loans

Reviews by Marcus (96)

Citibank
American Airlines AAdvantage® MileUp® Card
1x-2x rewards with no annual fee — 15,000 bonus miles.
JPMorgan Chase
Aeroplan® Credit Card
1x-3x rewards with a $95 annual fee — 75,000 bonus points.
Abe (Sparrow)
Abe Private Student Loan
An estimated 2.54%–17.02% APR from Abe, sourced from our data partnership.
American Express
Blue Cash Everyday® Card from American Express
Earns 1%–3% cash back with no annual fee, plus a $200 sign-up bonus offer.
American Express
Blue Cash Preferred® Card from American Express
Earns 1%–6% cash back with a $0 intro annual fee the first year, then $95 annual fee, plus a $300 sign-up bonus offer.
American Express
American Express® Gold Card
4x rewards with a $325 annual fee — up to 100,000 Membership Rewards points.
American Express
The Platinum Card® from American Express
5x rewards with a $895 annual fee — up to 175,000 Membership Rewards points.
Goldman Sachs Bank USA
Apple Card
Earns 1%–3% cash back with no annual fee.
Ascent
Ascent Non-Cosigned Student Loan
An estimated 13.09%–15.26% APR from Ascent, sourced from our data partnership.
Ascent
Ascent Parent Loan
An estimated 5.25%–15.51% APR from Ascent, sourced from our data partnership.
Ascent
Ascent Credit-Based Student Loan
An estimated 2.69%–16.56% APR from Ascent, sourced from our data partnership.
Bank of America
Atmos™ Rewards Ascent Visa Signature® Card
1x-3x rewards with a $95 annual fee — 50,000 bonus points plus a companion fare.

Fact-checked by Marcus (17)