Reena Thomas, Ph.D.

Editor II, Credit Cards
Ribbon EXPERTISE
  • Rewards credit cards
  • Writing/literature
Education 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

  • Mastercard® Black Card™

    The Mastercard Black Card comes with many of the upscale perks we’ve come to expect from an expensive travel card.

    12 min read Aug 22, 2024

  • Indigo® Mastercard®

    The Indigo Mastercard is aimed at those with poor credit, no credit history, or even those who've declared bankruptcy, which means it’s easier to get approved for than other cards.

    11 min read Aug 20, 2024

  • American Express® Green Card

    The Amex Green Card is a solid Membership Rewards-earning card for transit and travel that easily justifies its annual fee if you maximize your points and perks.

    14 min read Aug 20, 2024
  • Cashier helping a customer pay in a grocery store

    Upgrade Cash Rewards Visa®

    The Upgrade Visa® Card with Cash Rewards could offer a predictable and transparent financing alternative for cardholders who struggle with managing credit card balances. By putting your balance into an installment plan, the card could help you minimize interest charges and keep your debt repayment efforts on track.

    13 min read Aug 13, 2024