Personal Finance
Advertiser Disclosure
Holly D. Johnson is a nationally recognized expert and award-winning insurance writer who covers life insurance, health insurance, and various other insurance-related topics for corporations and well-known magazines with millions of readers. Johnson also covers personal finance, credit, credit cards, and loyalty programs for a variety of publications including CNN Underscored, Bankrate, CreditCards.com and Forbes Advisor.
The author is also the founder of Club Thrifty and the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love." She and her husband Greg live in Central Indiana with their two daughters where they enjoy a debt-free lifestyle and travel up to 20 weeks of the year.
Articles by Holly Johnson
Best Small Business Credit Cards for February 2025
The best small-business credit cards offer rewards and other important perks. Find out how they stack up and compare.
Amex Points vs. Chase Points: Which Rewards Currency Rules Them All?
Flexible rewards points offered through American Express and Chase have many of the same redemption options—but different strengths.
Best Credit Cards for February 2025
The best credit cards offer superior rewards and perks with reasonable fees or no fees at all. Find out which cards we recommend in 2024 and why.
Best Credit Card Sign-up Bonuses for February 2025
The best credit card sign-up bonuses can be worth $1,000 or more. Find out which cards offer them and how to qualify.
What Credit Cards Are Metal in February 2025?
Metal credit cards tend to offer superior perks with higher annual fees. Find out how the best metal cards of 2024 work and how to decide.
Amex Membership Rewards: Guide 2025
American Express Membership Rewards points can be redeemed for travel, point transfers, gift cards, merchandise and more.
American Express® Gold Card vs. The Platinum Card® from American Express: Why the Platinum Is The Better Offer
Our detailed comparison of Amex Gold versus Platinum will help you figure out which of these rewards cards suits your spending style the most.
American Express Gold vs. Capital One Venture: Detailed Comparison 2025
Looking for a new travel credit card? Our in-depth analysis can help you decide between the Capital One Venture and the Amex Gold Card.
Delta Skymiles Platinum American Express Card Review 2024
The Delta SkyMiles® Platinum American Express Card offers an acceptable rewards rate but comes up short on perks for its $250 annual fee. Learn more.
What Is The United Miles Value And How To Maximize Your Redemptions
The value of United miles is around 1.2 cents each, although how you redeem them will have a major impact on what you actually get.
American Express Business Gold Card Review 2024
The American Express® Business Gold Card offers bonus rewards in two top spending categories per billing cycle and a very specific set of benefits. Find out where this card shines and reasons to consider alternatives.
Chase Sapphire Reserve® Review 2024
The Chase Sapphire Reserve® is one of the best travel credit cards available today. Find out why this card is so popular and everything you get for signing up.
Visa vs. Mastercard: What is the difference?
Visa and Mastercard are the two biggest credit card payment networks in operation today, yet neither one issues their own card products.
Best Roth IRA Accounts for February 2025
The best Roth IRA accounts come with low starting balance requirements, minimal fees (or no fees), and ample investment options and tools.
Capital One Quicksilver Cash Rewards Credit Card Review 2025: Good, But You Can Do Better
The Capital One Quicksilver Cash Rewards Credit Card has a generous rewards rate of 1.5% cash back with no annual fee required.
What Are the Most Popular Crypto Scams to Watch For in 2025
Crypto scams take on my forms, including phishing scams, giveaway scams and more. Find out which cryptocurrency scams are most prevalent.
How Credit Card Companies Make Money
Credit card companies make money by charging interest, miscellaneous fees, and interchange fees to merchants.
Lemonade Insurance Review 2025: Affordable, Digital, Lots of Choices
Lemonade offers a range of insurance products online and through its mobile app, including homeowners insurance, renters insurance, auto insurance coverage, and more.
How to Transfer a Credit Card Balance (The Right Way)
The steps required to transfer a balance are easy to follow, and they can all be completed online or over the phone.
Citi ThankYou Rewards Program Guide 2024
The Citi ThankYou program offers the potential for exceptional rewards value if you transfer points to partners.
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