Jerod Morales

Austin, Texas, United States

Deputy Editor at Forbes Advisor

Editor and Writer at EASTside Magazine

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Articles

Discover It Student Cash Back Review 2025

2 weeks ago | forbes.com | Robin Saks Frankel |Jerod Morales

The Discover it® Student Cash Back card gets an A+ for its generous roster of attributes for students just starting to build their credit. The no annual fee card is specifically designed to help those with little to no credit history build a stronger profile and earn some cash back, too. That makes this card aces in our book. Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
From Concept To Credit Card: The Fascinating Process Behind Card Development

1 month ago | forbes.com | Becky Pokora |Jerod Morales

Consumers today are spoiled for choice when choosing credit cards. It’s tough for issuers to stand out in such a crowded market. Creating a new credit card that cuts through the noise requires a delicate mix of innovation, data and refinement. We took a deep dive into a credit card’s journey from concept to launch to reveal how issuers create the perfect product for consumers. Finding Market Opportunities Coming up with a new credit card idea is far from random.
Chase United Business Card Review

1 month ago | forbes.com | Becky Pokora |Jerod Morales

If you run a small business and want elite-like benefits without having to fly all the time, The New United℠ Business Card may be for you. The card packs valuable benefits such as free checked bags and limited United Club access while earning 2 miles per dollar on an array of expenses and opportunities to collect Premier qualifying points, extra credits and upgrades.
Can’t Beat This: New U.S. Bank Shield Card Has A 24-Month 0% Intro APR, The Longest Available

1 month ago | forbes.com | Robin Saks Frankel |Jerod Morales

Americans are holding a big, fat I.O.U. to credit card companies and a new card from U.S. Bank might help ease the financial strain. The no annual fee U.S. Bank Shield™ Visa® Card*, which launched March 17, 2025, could be a life preserver for the debt-addled with its unmatched 0% intro APR on purchases and balance transfers for 24 billing cycles, then a standard 17.74% to 28.74% variable APR applies.
9 Best Credit Cards For Bad Credit Of December 2024

Dec 11, 2024 | forbes.com | Becky Pokora |Albert Hsieh |Jerod Morales |Kelly-Ann Franklin

Low credit scores often leave consumers with limited options when it comes to credit cards. Those with fair (580 to 669) to poor (580 and below) credit scores have two main options: a secured card, which requires an upfront deposit, or an unsecured card, which often is laden with high fees and sky-high APRs. Whichever you choose, it’s best to find a card that reports to all three major credit bureaus so your on-time payments can strengthen your credit score as quickly as possible.
BankAmericard Credit Card Review 2024: Single-Use Plastic For Paying Down Debt

Dec 4, 2024 | forbes.com | Bob Haegele |Jerod Morales

The main appeal of the BankAmericard® credit card is its low introductory APR offer: Get a 0% intro APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days from account opening, 15.49% - 25.49% variable APR thereafter. A 3% balance transfer fee applies for the first 60 days, then 4%. There are no rewards or other meaningful perks.
Best Credit Cards For Home Improvement Projects Of November 2024

Nov 26, 2024 | forbes.com | Ben Luthi |Albert Hsieh |Jerod Morales

A credit card can be a useful tool for home improvements. That’s true whether you’re shopping for a home remodel online or in a big box store. By picking up one of the best credit cards for home improvement, you could earn lucrative rewards for each dollar spent, and you may even be able to finance your project without interest for a limited time. Our credit card editors are committed to bringing you unbiased ratings and information. Advertisers do not and cannot influence our ratings.
Savor Spanish Flavors: New Capital One Landing Brings Tapas To Washington Reagan Airport

Nov 18, 2024 | forbes.com | Becky Pokora |Jerod Morales

You can’t complain about airport food anymore: There’s a new dining concept coming to town with legitimate restaurant-quality meals—and for those in the club, it’s free. At the new Capital One Landing opening November 19, 2024 at Washington Reagan Airport (DCA), you’ll find an inspired menu of tapas and cocktails instead of cheap cubed cheese and domestic drafts. It’s still not perfect, but here’s what you can expect.
8 Things To Do When You Get A New Credit Card To Set Yourself Up For Success

Nov 18, 2024 | forbes.com | Becky Pokora |Jerod Morales

You’ve researched the right card for your needs, gotten approval and received your card in the mail—but now what? If you give the same care and attention to what to do when you get a new credit card as you did during the card selection process, you’ll be able to make the most of your card. Find The Best Credit Cards For 2024No single credit card is the best option for every family, every purchase or every budget.
SVB Innovator Card Review 2024

Nov 14, 2024 | forbes.com | Harrison Pierce |Jerod Morales

The SVB Innovator Card*, issued by Silicon Valley Bank, is an attractive option for any small business owner or sole proprietor looking to earn rewards on their purchases. However, this is a charge card, which means you’ll have to pay off your balance in full each month. While this can be seen as a good thing because you won’t accumulate interest, it also means you need to be very strategic with your spending to ensure you don’t carry a balance.