Bill Hardekopf is the Senior Industry Analyst on credit cards at CardRates.com. For 18 years, he was the CEO of LowCards.com, a free resource that helped consumers navigate the complex world of credit cards. He is a weekly contributor to Forbes and has written numerous articles for sites like The Street and The Christian Science Monitor. He has been cited in more than 100 financial publications, including The Wall Street Journal, CNBC, USA Today, Newsweek, Kiplinger, and Barron’s. He is also the co-author of the book "The Credit Card Guidebook".