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Beverly Harzog

Expert Reviewer, Credit Cards and Loans
Ribbon Icon EXPERTISE
  • Credit cards
  • Banking
  • Consumer loans
  • Mortgages
  • Personal finance (budgeting, inflation, economic policy, saving, etc.)
Education Icon EDUCATION
  • MBA, University of New Haven

Beverly Harzog is a nationally recognized consumer finance analyst, credit expert and host of the Your Personal Economy podcast. She's also the bestselling and award-winning author of five personal finance books.

She’s been in the personal finance industry for 30 years and has recently been a columnist and media spokesperson for U.S. News & World Report. She’s appeared on Fox News, CNN, CBS Evening News, NBC News and Cheddar. She’s been a quoted in thousands of articles, including The Wall Street Journal, USA Today, Money Magazine, The New York Times, New York Magazine, Kiplinger, Washington Post, Time, Newsweek, Cosmopolitan, Real Simple and much more.

Her byline has appeared in The Wall Street Journal, U.S. News & World Report, Forbes, Good Housekeeping, Entrepreneur, Health, Better Homes and Gardens, Cooking Light, New York Daily News, ABCNews.com and Yahoo Finance.

She has an MBA from the University of New Haven and is a former CPA. Her current passions include hosting her podcast, Your Personal Economy, and learning to play the guitar.

Non-Bankrate Publications or Mentions

Credit cards are useful tools for building credit and earning rewards. But you need to make a vow that you’ll pay your balance in full and by the due date every month. The first time you carry a balance, it becomes your new normal and that leads to credit card debt.

— Beverly Harzog

Beverly's latest articles

  • Best No Annual Fee Credit Cards for July 2026

    Here are the best credit cards with no annual fee. Read reviews from personal finance experts and compare offers from our partners to find the best card for you.

    10 min read Jul 13, 2026
  • Best credit card bonuses for July 2026

    Whether you’re looking for miles to help pay for travel or cash back to fund a new purchase, the best credit card sign-up bonuses can help you make it happen.

    10 min read Jul 02, 2026
  • Best Graduate School Loan Rates In June 2026

    Graduate school loans are a great option for people who don't have the money to pay for college out of pocket and who have exhausted scholarship and grant opportunities.

    10 min read Jun 23, 2026
  • Best Online Checking Accounts for June 2026

    The best online checking accounts charge few fees, belong to a large ATM network, offer highly rated mobile apps and have other perks like early direct deposit and cash back.

    6 min read Jun 22, 2026
  • How Much House Can I Afford Calculator

    Calculate how much house you can afford with our home affordability calculator. Factor in income, monthly debt and more to better understand your ideal loan amount.

    12 min read Jun 15, 2026