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.