About
Harlan Vaughn brings over a decade of experience as a lead editor on the credit cards and travel rewards team at Forbes Advisor. With a deep understanding of the credit card industry, his passion for travel strategies drives his commitment to helping others maximize their credit card rewards. Harlan's expertise has taken him around the world by redeeming millions of points and miles earned with credit cards. His favorite destinations include Iceland, Japan, Hawaii, New Zealand and Chile.
Harlan Vaughn, lead editor, brings over a decade of experience to the credit cards and travel rewards team at Forbes Advisor. His deep understanding of credit cards fuels his passion for travel strategies.
With millions of points and miles redeemed for travel, Harlan has used credit card rewards to visit incredible destinations including Iceland, Japan, Hawaii, New Zealand and Chile. Now, as a dad of three, he’s committed to helping others maximize their credit card rewards and benefits, with a background in writing and editing for distinguished points and miles websites.
Harlan also is interested in personal finance, investing and financial independence. When he’s not digging into those topics or earning rewards with a portfolio of nearly 40 active credit cards, you can find him hiking, enjoying live music or traveling with his family.
Harlan is currently based in Memphis, Tennessee, and continues to empower readers to create their own memorable adventures around the round using credit cards and travel rewards.
Expertise
- Credit card rewards and benefits
- Travel award bookings
- Stacking deals to save money
- Family travel
Achievements
- Over a decade covering credit cards, points, miles and travel for several esteemed publications
- Presenting introductions to points and miles for beginners at conferences and special events
- Hosted a series of popular points meetups in the Dallas-Fort Worth area
- Dozens of incredible once-in-a-lifetime trips all over the world
Other Publications
- The Southwest credit card offers can help you earn the Companion Pass, one of the best deals in travel — but timing is important
- Use these 3 Amex cards to earn maximum rewards points for every purchase you make
- I Grew Up Poor and Learned Financial Literacy Late. Now, I’m Investing for my Children and Teaching Them to Become Millionaires
- 18 Things Everyone Should Know About Airline Miles
- New net worth high, at 60% of goal, and the march to $300K invested – July 2023 Freedom update
- These Are the 7 Chase Credit Cards I Have and Why – Harlan (And How I Use Each One)
Education
Bachelor of Fine Arts (BFA), Studio Art, Columbia College Chicago
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Best American Express Credit Cards Of July 2024
American Express cards have come a long way since the company introduced its first charge card in 1958. Now, the issuer offers everything from no annual fee options to metal luxury cards costing hundreds of dollars a year to carry.... -
Best Credit Cards For Paying Off Debt Of July 2024
With APRs sky high, credit card debt is on the rise. Whether your goal is to lower your APR or streamline payments, transferring your balances to a 0% intro APR credit card might be the right way to go. However,... -
Best Credit Cards For Good Credit Of July 2024
When you have good credit, it means your credit isn’t average or poor, but not quite excellent, either. While you won’t qualify for some of the most exclusive premium rewards cards, you can still get some very strong offers. Cards... -
Best Credit Cards For Expats And Living Abroad Of July 2024
If you’re using a credit card abroad, foreign transaction fees can add up fast. For example, if you have a credit card that charges a typical 3% foreign transaction fee, for every $5,000 you spend you’ll pay $150 in foreign... -
Best Hilton Credit Cards Of July 2024
With Hilton, there’s no shortage of credit card options to maximize your Hilton Honors points. Hilton and American Express offer four co-branded credit cards, each with its own combination of benefits, earning rates and membership fees. By digging into the... -
Best Student Credit Cards Of July 2024
College students stand at a crossroads—and for those just starting out in the adulting world, gaining access to credit can be a challenge. Banks want loyal customers, but also want a healthy credit score to prove you can and will... -
Best Credit Cards For No Credit Of July 2024
A complete lack of credit history can be an obstacle to many goals, as much of the U.S. and world economy operates around the concept of borrowed capital. Not only will you face difficulty making major car, house or business... -
Best Credit Cards Of July 2024
No single credit card is the best option for every family, purchase or budget. Forbes Advisor has chosen the best credit cards of 2024 to be the most helpful to the widest variety of readers. Rather than selecting a single... -
Best Credit Cards For Gym Membership Of July 2024
Exercising regularly can improve your health and keep you in shape. It can also help you earn valuable rewards—whether you have a gym membership or work out at home—with the right rewards credit card. The best credit cards for gym... -
Best Small Business Credit Cards For Startups Of July 2024
You’ve taken the leap and started a new business. A small business credit card can help with cash management, while building a credit history for your growing company. Business credit cards aren’t just limited to large enterprises: Freelancers, startups and... -
Best Delta Credit Cards For Flying Of July 2024
If you live near one of Delta Air Lines’ major hub cities such as Atlanta (ATL), Detroit (DTW), Minneapolis (MSP) and Salt Lake City (SLC), the airline might be your primary option for non-stop flights to most destinations. As the... -
Best Capital One Business Credit Cards Of July 2024
Capital One business credit cards come with some of the best rewards-earning potential and benefits that you can find today. Whether you’re looking to earn cash-back or travel rewards miles, Capital One offers attractive credit card options for companies of... -
Best Credit Cards For Entertainment Of July 2024
Entertainment may not be your biggest monthly expense, but if you want to earn extra rewards or credits on things like streaming, movies, live entertainment and digital subscriptions, the best credit cards for entertainment offer that chance. Our top picks... -
Best Secured Credit Cards Of July 2024
Consumers with bad credit or no credit sometimes find themselves unable to obtain credit approval. However, secured credit cards provide a path for nearly anyone to receive approval and start improving a credit profile. With a secured credit card, consumers... -
Best Extended Warranty Credit Cards Of July 2024
A credit card’s extended warranty coverage is one of those things you might think about after you’ve had your card for a while. But if you know you’ll use your credit card for big-ticket or high-value purchases, it might be... -
Longest 0% Intro APR Credit Cards For Purchases Of July 2024
A credit card with a long 0% intro APR period can be an excellent tool for managing your purchases without incurring interest charges. Whether you're planning a big-ticket purchase or looking for a way to consolidate existing debt, these cards... -
Best Credit Cards For Shopping Of July 2024
There’s an art to being a good shopper and knowing how to get the most out of every penny you spend. From cash-back portals to money-saving apps, anything you buy is better when you get a deal. And using the... -
Best Chase Credit Cards Of July 2024
Chase offers one of the largest portfolios of credit cards on the market, and many Chase credit cards are at the top of the pack—so selecting your best option can be challenging. Whether you want to climb Kilimanjaro or shop... -
Longest 0% APR Credit Cards for Balance Transfers of July 2024
Navigating the landscape of credit card offers can be daunting, especially when seeking effective solutions to manage debt. Balance transfer credit cards, particularly those offering extended introductory periods with 0% APR, may be the right option for individuals grappling with... -
Best Startup Business Cards For No Credit Of July 2024
If you’re a business owner without credit who’s looking for a business credit card, your options are limited. In fact, we only recommend three business cards in this category. Those with the luxury of time may prefer to work on... -
Best Travel Credit Cards For Fair Credit Of July 2024
If you have fair credit, the valuable and often prestigious benefits of a travel credit card may seem out of reach. But don’t despair. Even if your credit rating falls into the fair range, you can still get credit cards... -
Best Business Credit Cards For Fair Credit Of July 2024
If you have fair credit, there are fewer business credit card options compared to what’s available to those with good or excellent credit. But you can consider one of the cards on our list of the best business credit cards... -
Best Credit Cards For Excellent Credit Of July 2024
When you have excellent credit, you can choose from the cream of the credit card crop. The best cards for people with excellent credit offer rewards in the form of points, miles or cash back. These top cards also often... -
Best Credit Cards For 600 Credit Score Of July 2024
If you're looking to improve your credit score, opening a credit card and using it responsibly is a smart place to start. While it can be more difficult to get approved for certain premium cards with a credit score of... -
Best Transit Credit Cards Of July 2024
If you’re one of the millions who commute using public or shared transportation, you could be spending hundreds of dollars each month traveling between home and work. That routine can be rewarding, however, because many credit cards offer generous bonuses... -
Best Store Credit Cards For Bad Credit Of July 2024
Store credit cards can offer a path to build or rebuild credit. Shop at a merchant you already frequent, spend within your budget, and make on-time payments—and you’ll be well on your way to a strong credit score. But if... -
Best Credit Cards For Vacation Rentals Of July 2024
Vacation rentals are ideal alternatives to hotels, offering space, privacy and prime locations. These homes come with amenities like kitchens for food prep, multiple rooms for privacy and dedicated desks for remote work. They may even include a private pool... -
Best USAA Credit Cards Of July 2024
USAA membership is exclusive to members of the military community, along with their spouses and children. If you qualify, though, you can apply for one of the best USAA credit cards. While they don't stack up well against the best... -
Best No Late Fee Credit Cards Of July 2024
Missing a payment on a credit card by just one day can result in late fees, plus a higher penalty APR on your balance. If you've missed a payment in the past or you're concerned about the prospect of late...
About
Harlan Vaughn brings over a decade of experience as a lead editor on the credit cards and travel rewards team at Forbes Advisor. With a deep understanding of the credit card industry, his passion for travel strategies drives his commitment to helping others maximize their credit card rewards. Harlan's expertise has taken him around the world by redeeming millions of points and miles earned with credit cards. His favorite destinations include Iceland, Japan, Hawaii, New Zealand and Chile.