Credit cards from small issuers may offer lower APRs and annual fees than products from large issuers. Offerings may be simpler with straightforward cash back and limited fees. Small issuers may lack ...

Clint Proctor is a managing editor with the credit cards and travel rewards team at Forbes Advisor. He has eight years of experience in personal finance journalism and has contributed to a variety of ...

Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for ...