Reena Thomas

Reena Thomas


Reena Thomas, Ph.D., is an editor/writer at Bankrate and 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.

Our editorial team and expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our credit card company partners, and may influence where or how products are featured on the site. This site does not include all credit card companies or all available credit card offers.  Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.Learn more about our partners and how we make money.

Personal Quote

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.

Education & Honors

  • BA in English Literature, Cornell University
  • MA in English Literature, University of Dallas
  • Ph.D. in English Literature, University of Arizona

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Destiny Mastercard review

The Destiny Mastercard is a solid option for people with less-than-perfect credit or low credit…