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About 67.CREDIT

Our Mission

67.CREDIT was founded on a simple principle: finding the right credit card shouldn't be complicated. We cut through the marketing hype and give you honest, straightforward comparisons to help you make informed decisions about your finances.

How We Evaluate Cards

Rewards Value

We calculate the real-world value of points, miles, and cash back to see which cards truly deliver.

Fees & Costs

Annual fees, foreign transaction fees, late payment penalties – we examine every cost.

Benefits & Perks

Travel insurance, airport lounge access, purchase protection – we assess what matters.

Customer Experience

We consider customer service quality, app functionality, and overall user experience.

Advertiser Disclosure

67.CREDIT is supported by compensation from our advertising partners when you click on links to credit card offers and, in some cases, when you apply and are approved for a card through our site.

This compensation may impact how and where products appear on our site, including the order in which they may appear within listing categories. However, this compensation does not influence our editorial opinions, reviews, or recommendations. We maintain strict editorial integrity and our recommendations are based on our objective evaluation of each card's features, benefits, and overall value.

We do not review or include all credit cards available in the marketplace. We strive to maintain accurate and up-to-date information, but card terms and conditions may change. We recommend reviewing the issuer's terms and conditions before applying.

Our Promise: We will never let advertising relationships influence our reviews or recommendations. Your trust is our most valuable asset.

Our Team

25
Experts
200+
Cards Tested
10+
Credentials
50+
Years Combined Experience

Leadership

Melvyn Kim

Melvyn Kim

Founder & Editor

B.A. Economics
Diana Ramirez

Diana Ramirez

Chief Content Officer

MBA, Columbia Business SchoolFormer VP Content, Bankrate
Jonathan Park

Jonathan Park

VP of Product & Data

M.S. Computer Science, StanfordFormer Sr. PM, Credit Karma
Adrienne Foster

Adrienne Foster

VP of Research & Insights

Ph.D. Behavioral Economics, U. of ChicagoFormer Research Director, J.D. Power

Senior Editorial

Sarah Chen

Sarah Chen

Senior Credit Analyst

CFP®B.S. Finance, NYU Stern
Marcus Davis

Marcus Davis

Travel Rewards Editor

Travel Rewards ExpertB.A. Communications, Howard University
Carlos Mendoza

Carlos Mendoza

Senior Editor, Cash Back & Everyday Cards

Former Editor, The Points GuyB.A. Journalism, Northwestern
Priya Patel

Priya Patel

Senior Editor, Premium & Luxury Cards

Former Columnist, Bloomberg Personal FinanceCFA Level II Candidate
David Okafor

David Okafor

Senior Editor, Student & Starter Cards

M.Ed. Financial Literacy, UPennAFC® (Accredited Financial Counselor)

Specialist Writers

Rachel Kim

Rachel Kim

Balance Transfer & Debt Specialist

Certified Credit CounselorB.S. Finance, Boston University
James Liu

James Liu

Business Credit Card Analyst

Former Business Lending OfficerMBA, Wharton
Aisha Johnson

Aisha Johnson

Rewards Optimization Strategist

Rewards Optimization ExpertB.S. Mathematics, MIT
Michael Torres

Michael Torres

Credit Score & Approval Analyst

Former Credit UnderwriterSeries 7 & 63 Licensed
Stephanie Brooks

Stephanie Brooks

New-to-Credit Guide Writer

Financial Coach Certification, AFCPEBilingual (EN/ES)
Daniel Nguyen

Daniel Nguyen

Card Technology & Security Editor

CISSP CertifiedB.S. Cybersecurity, Georgia Tech

Data & Analytics

Elena Vasquez

Elena Vasquez

Data Journalist & Visualization Lead

Former Data Reporter, Wall Street JournalM.S. Data Science, Columbia
Ryan Cooper

Ryan Cooper

Quantitative Analyst

Ph.D. Applied Mathematics, CaltechFormer Quantitative Analyst
Lisa Chang

Lisa Chang

Market Research Analyst

Former Nielsen Market Research AnalystM.A. Statistics, UC Berkeley

UX & Product

Alex Rivera

Alex Rivera

UX Research Lead

Former UX Researcher, IntuitM.S. HCI, Carnegie Mellon
Nadia Osei

Nadia Osei

Product Designer

Former Product Designer, SquareB.F.A. Interaction Design, SVA

Compliance & Trust

Robert Chen

Robert Chen

Compliance & Legal Advisor

J.D., Georgetown LawFormer Compliance Officer, Capital One
Patricia Williams

Patricia Williams

Fact-Checker & Editorial Standards Lead

Former Fact-Checker, Consumer ReportsB.A. Journalism, Medill/Northwestern

Contributing Specialists

Kevin Zhang

Kevin Zhang

Airline Miles Specialist

Million Miler (United, Delta)B.A. Economics, UCLA
Maria Santos

Maria Santos

Hotel & Hospitality Card Reviewer

Former Revenue Manager, MarriottCertified Hospitality Administrator
Tyler Washington

Tyler Washington

Side Hustle & Gig Economy Writer

Gig Economy Finance ExpertB.B.A. Entrepreneurship, Babson

Read our editorial guidelines for how we evaluate cards.

Our Editorial Standards

Every review on 67.credit is fact-checked, independently written, and never influenced by advertising relationships.

Questions or Feedback?

We'd love to hear from you. Contact us at hello@67.credit