Jae Bratton is a writer for the credit cards team at NerdWallet. She has a bachelor’s degree in English from Wake Forest University and a master’s in English from University of North Carolina at Greensboro. Before writing for NerdWallet, Jae spent 13 years teaching English and journalism. Her writing has been published in newspapers, blogs and an academic journal. Jae is based in North Carolina.
- Education: B.A. in English from Wake Forest University, M.A. in English from University of North Carolina at Greensboro
- Awards: Jim Murray Memorial Foundation Scholarship
- Previous experience: English and journalism teacher
The latest from Jae
AmEx Gold vs. Platinum: Platinum Takes the Prize for Perks
Those with a serious case of wanderlust should opt for the AmEx Platinum — and maybe go for the Gold, too.
AmEx Gold vs. Blue Cash Preferred: Gold Triumphs for Travel
Even though the AmEx Gold earns less at U.S. supermarkets than the Blue Cash Preferred, its high-value travel redemption options make it the superior pick.
Statement Balance vs. Current Balance: What’s the Difference on Your Credit Card?
The statement balance tells you how much you owe after a single billing cycle. For a more up-to-date account of your credit card debt, check the current balance.
5 Things to Know About the Choice Rewards World Mastercard
Joining First Tech credit union to get the Choice Rewards World Mastercard can give you access to rare "triple zero" perks.
An Overlooked Inflation Hedge: Credit Cards
Instead of being a gateway to runaway spending, a credit card can help you save meaningful money in the face of persistent inflation.
TD FlexPay Credit Card: Long 0% Balance Transfers and 2 Rare Perks
This card boasts two unusual benefits that make it stand out among other balance transfer credit cards. However, the TD FlexPay card has restrictions on the types of debts that may be transferred — and where applicants must reside.
What Is Purchase APR?
The terms “purchase APR” and “interest rate” mean the same thing when it comes to credit cards. Purchase APR refers to the percentage of the loan amount you’ll owe on an annual basis in exchange for borrowing money from the card issuer.
5 Things to Know About the First Latitude Platinum Secured Card
This card is available to those without a credit history, and the security deposit is on the shallow end. But it charges fees that other secured cards don’t.
What Is an RFID Credit Card (and Does it Matter)?
RFID credit cards are embedded with a tag that enables contactless payments, one of the safest ways to pay.
What Is a Negative Balance on Your Credit Card?
Take advantage of a negative balance by using the credit to cover a purchase, or ask your issuer for a refund.
What Is a Balance Transfer Fee on a Credit Card?
A balance transfer fee is the price you pay to move a debt from one creditor to another. The fee may be worth paying if you’re transferring debt to a lender that charges a lower interest rate.
SavorOne vs. Quicksilver: SavorOne Wins in Close Capital One Duel
More cash back is possible with the SavorOne thanks to its four-tiered rewards structure and valuable, broad reward categories.
Amazon Credit Cards Will Soon Get More Rewarding
Bonus rewards on travel and instant reward redemption are some of the major changes to both credit cards.