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Eight out of ten people in the U.S. have a credit card, and many carry a balance. Research shows the average household has a credit card balance of $5,300, according to Bankrate. Whether you’re looking for tips to keep your balance in check or want a card that offers travel rewards, these 16 credit card influencers have the information you need. 

16 credit card influencers sharing their tips

Beverly Harzog

Beverly is a credit card expert, columnist and bestselling author based in Georgia. Beverly schools her Twitter followers on rising credit card interest rates and how to decide which balance to pay to avoid paying interest. 

Danny — dannydealguru

Danny is all about sharing his financial knowledge, tips and tricks to maximize your savings. He shares the latest credit card bonuses and offers with his followers and credit card options that offer cash-back incentives.

Andrew Lokenauth — FluentInFinance

Andrew is a whiz when it comes to topics like money, investing, personal finance, stocks, and cryptocurrency. As a mid-tier influencer on Twitter, Andrew shares different methods for climbing out of credit card debt and pointers for turning credit card points into passive income with his followers.

John Eringman

John is a money-minded guy who prides himself in sharing helpful financial information in an easily digestible manner. On TikTok, where his 1.3M followers know him as johnefinance, he shares a 60-second overview of credit card 101 and explains how to remove late fees from credit card accounts.  

Zachary Burrabel

Zachary is a financial adviser who offers credit card tips and travel hacks. He’s also a TikTok mega-influencer, where he breaks down the basics of the latest credit card offers and gives tips for finding the perfect credit card for your particular needs and lifestyle. 

Josh and Chris — thecreditbrothers

Brothers Josh and Chris are dedicated to helping people achieve and maintain good credit. On TikTok, the duo rounds up the top credit cards for travel and shares suggestions for an everyday spending credit card.


The Best Credit Cards For Travel

♬ original sound - Credit Brothers

Najee Hannigan

Najee is passionate about guiding others on how to repair their credit scores. On TikTok, Najee warns followers about subprime credit cards to avoid and why you should consider keeping old credit cards open, even if they’ve been paid in full. 

John Liang — johnsfinancetips

John is a successful real estate investor who doles out daily finance tips for the masses. For his 2.2 million TikTok followers, John shares ways to earn free travel with credit cards and the top beginner credit cards of 2023


Top beginner credit cards for 2023. Be sure to pay off your bill on time and in full! With all beginner Credit Cards, it’s important that they have no annual fee, sign in bonus, and earnings percentage greater than 1. #creditcards #beginner #bestcards #beginnercards #personalfinance

♬ original sound - John Liang

Shonda Martin

Shonda is all about helping others enhance their credit education and reviewing the latest financial news. On TikTok, she’s a macro-influencer who shares her pick for the perfect all-in-one credit card and weighs the pros and cons of two popular credit card options


99% of ppl get the #AmexPlatinum because it's a status symbol, but the #AmexGold is actually a more fitting #CreditCard for 99% of ppl. #Travel #CreditCard #AmericanExpress #Credit #Finance

♬ original sound - SHONDA MARTIN | Credit Coach

J. Woodfin

J enjoys teaching people all about building their credit and making smart investment moves with their money. For his 200.4K TikTok followers, justjwoodfin discusses repairing your credit with secured loans versus credit cards and the benefits of using your credit card instead of your debit card daily.


If you want to see your most accurate FICO scores when applying for a mortgage, auto loan, credit card or personal loans for just $1 click the link in my bio or visit When making a purchase, you have two main options: a debit card or a credit card. Debit cards are linked directly to your checking account, while credit cards offer a line of credit that you pay back later. Using a debit card for purchases can be risky because: If your card information is stolen, your entire checking account can be emptied. Unlike credit cards, which have fraud protection, it can be difficult to recover lost funds from a checking account. Debit cards offer no liability protection. Credit card companies often protect you from fraudulent charges, but if someone steals your debit card information and uses it to make purchases, you're responsible for those charges. Debit card purchases can take longer to resolve. If there's a dispute with a credit card purchase, the card issuer can temporarily reverse the charge while they investigate. With a debit card, the money is already gone from your account and it can take time to get it back. So there you have it, these are just a few of the reasons why you should avoid making purchases with a debit card. Opt for a credit card for added protection and peace of mind. Remember to always monitor your account activity and report any suspicious activity immediately. Thanks for watching!

♬ original sound - 💳Just J. Woodfin (Mr. 800)💳

Mike — limitlessculture

Mike likes talking shop about travel and credit repair. As a macro-influencer on TikTok, where Mike shares how to use a credit card responsibly and spills details on the best-hidden cash-back credit card on the market.


Using a credit card responsibly can help build a strong credit history and improve your credit score. Here are some tips for using a credit card to build credit: 1. Make sure to pay your bill on time each month. Late payments can have a negative impact on your credit score. 3. Keep your credit utilization low. This means that you should try to keep the amount of credit you are using relative to the amount of credit you have available (also known as your credit limit) as low as possible. It's generally recommended to keep it below 9%. 4. DO NOT Consider getting a secured credit card. This is a type of credit card that requires a deposit, which is usually the same amount as the credit limit. Secured credit cards ARE NOT A good option for people who are new to credit or who have poor credit. 5. Don't close old credit card accounts. The length of your credit history is factored into your credit score, so keeping old credit card accounts open can help improve your score. 6. Check your credit report regularly. This will give you an idea of where you stand and allow you to spot any errors or potential issues. 7. Be aware of the type of card you are using, not all credit cards report to credit bureaus and you should select the one that does. By following these tips and using a credit card responsibly, you can help build a strong credit history and improve your credit score over time. #credit #creditrepair #creditrepairservices #creditrepairtips #creditcards #creditcard #money #finance #amex #Inverted #greenscreen

♬ original sound - The real Huey Freeman✨

Mark Reese

As someone with years of experience successfully navigating the credit card world, Mark seeks to share his expertise with others. On YouTube, Mark is a mid-tier influencer who provides his picks for the year’s best travel credit cards and explains why you shouldn’t climb the credit card ladder

Daniel Braun

Daniel teaches people how to get the most benefits from their credit cards and develop smarter everyday financial habits along the way. For his 70.9K YouTube subscribers, Daniel shares his list of the 10 best cash-back credit cards and the six best credit cards for college students

Brian Jung

Brian is an investor and self-professed “serial entrepreneur” based in Washington, D.C.. On YouTube, where he’s known to his 1.25 million subscribers as juggernaut, Brian shares the ultimate credit card hacking guide and explains how to make money with your credit cards.  

Humphrey Yang

Humphrey is a former financial adviser who hopes to impart wisdom to others. For his 932K YouTube subscribers, Humphrey shares his picks for the top five credit cards of 2023 and the absolute best for beginners.

Naam Wynn

Naam is dedicated to teaching actionable personal finance skills, including smart credit card management. On YouTube, Naam gives his 207K YouTube subscribers advice on when to pay your credit card bill to increase your credit score and how to get a business credit card without a business.


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