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Adam Frankel

Contributor

About

With over four decades of experience as a portfolio manager and educator, Adam B. Frankel simplifies credit card strategies and complex personal finance topics for anyone seeking to gain a better understanding of how to manage their money. His work has been featured in national personal finance sites including Forbes Advisor, Fortune, MarketWatch and CardRatings.

Adam B. Frankel has been managing money in the stock markets and tracking credit card strategies, financial markets and other personal finance topics for more than 40 years. His never-ending quest to optimize his personal finances have including leveraging credit card rewards to take his family on trips around the world, at a fraction of the out-of-pocket cost if they’d paid cash. When he’s not managing money in the stock market, he teaches financial topics and other core concepts at schools from elementary through middle school.

Expertise

  • Credit cards
  • Banking
  • Investments

Achievements

  • Over 40 years of experience with investing and personal finance
  • Contributor to national personal finance sites including Forbes Advisor, Fortune, MarketWatch and Card Ratings

Other Publications

Education

Rochester Institute of Technology (ABS, Business Management)

Pace University (BBA, General Business)

  • How To Do A Balance Transfer With Bank Of America

    Balance transfers allow cardholders to move debt incurring a high interest rate to a new credit card account with little to no interest—usually during a promotional period. Balance transfers also help cardholders consolidate debt, reducing the number of bills due...
    How To Do A Balance Transfer With Bank Of America

  • Bank of America Platinum Plus Mastercard Business Credit Card Review 2025

    For no annual fee, the offers a small handful of perks, a modest welcome bonus and a fairly short intro APR period on purchases. However, the card also has no rewards for spending. There are better business credit cards out...
    Bank of America Platinum Plus Mastercard Business Credit Card Review 2025

  • First Progress Platinum Elite Mastercard Secured Credit Card Review 2025

    The First Progress Platinum Elite Mastercard Secured Credit Card is no longer available to new applicants. Please see the issuer’s website for more information on available offers. Card details have been collected independently by Forbes Advisor and have not been...
    First Progress Platinum Elite Mastercard Secured Credit Card Review 2025

  • BankAmericard Credit Card For Students Review 2025

    While the doesn’t earn rewards, it’s an option for students looking to save on interest while building their credit. Those who qualify for the card can benefit from its long intro APR offer on purchases and balance transfers, giving them...
    BankAmericard Credit Card For Students Review 2025

  • Amazon Business Prime American Express Credit Card Review 2025: Shop ‘Til You Drop, Or Hit $120K In Spending

    If you know the Amazon delivery driver by name or spend a lot on AWS products, the will deliver the goods you want in a credit card. The option to choose between earning high rewards on your Amazon-related spending or...
    Amazon Business Prime American Express Credit Card Review 2025: Shop ‘Til You Drop, Or Hit $120K In Spending

  • U.S. Bank Altitude Go Secured Card Review 2025

    The stands out from the herd of secured cards available, ticking all the boxes you’d want in a credit-building card. It earns rewards across multiple everyday spending categories, has no annual fee and offers the ability to graduate to the...
    U.S. Bank Altitude Go Secured Card Review 2025

  • Credit Utilization Calculator

    Your credit utilization is a measure of the total debt you’re carrying across all revolving credit accounts against your total available credit on those accounts. It makes up 30% of your FICO Score, which is the most commonly used credit...
    Credit Utilization Calculator

  • Chase IHG One Rewards Traveler Credit Card Review 2025

    Travelers who favor the InterContinental Hotels Group’s portfolio of brands, including InterContinental Hotels, Kimpton Hotels and Holiday Inn, may amass value from the no annual fee . With no foreign transaction fees and the fourth award night free when booking...
    Chase IHG One Rewards Traveler Credit Card Review 2025

  • Capital One QuicksilverOne Cash Rewards Credit Card Review 2025

    The is a solid pick for those with fair-to-average credit looking to improve their scores and earn cash-back rewards. Although it has a annual fee (), it offers an unlimited , and the possibility of a higher credit line in...
    Capital One QuicksilverOne Cash Rewards Credit Card Review 2025

  • Types Of Credit Cards

    Different types of credit cards fit different cardholder needs. The right card will help you responsibly achieve your financial goals while providing the best possible value. Many credit cards are best suited for a specific purpose, such as earning rewards,...
    Types Of Credit Cards

  • JCPenney Mastercard Review 2025

    While the rewards that the earns are valuable inside the store, that’s the only place you can use them. Cardholders also receive a disappointing earnings rate outside of purchases with the retailer. Superfans of JCPenney may find value in the...
    JCPenney Mastercard Review 2025

  • AARP® Essential Rewards Mastercard® From Barclays Review 2025

    Offering lackluster rewards, the may appeal to AARP members seeking a solid cash-back rate at drug stores and gas stations, but other cards are more rewarding.
    AARP® Essential Rewards Mastercard® From Barclays Review 2025

  • Kroger Rewards World Elite Mastercard® Review 2025

    For Kroger shoppers who want to save every possible cent on gas and don’t mind dealing with the inconvenient terms, the may have some benefit. Otherwise, we recommend a better card for groceries.
    Kroger Rewards World Elite Mastercard® Review 2025

  • The American Express Green Card Vs. The Blue Cash Preferred Card From American Express

    The and the (Terms apply. See rates & fees) may both be colorfully named cards from Amex, but these cards are as different as black and white. The Amex Green Card can be ideal for someone who doesn’t want to...
    The American Express Green Card Vs. The Blue Cash Preferred Card From American Express

  • Lowe’s Business Rewards Card From American Express Review

    This card is no longer open to new applications. If your work frequently requires a visit to a home improvement store to buy supplies for one project after another, then the annual fee merits consideration. Owning the card opens the...
    Lowe’s Business Rewards Card From American Express Review

  • Discover it Chrome Vs. Discover it Cashback

    Discover issues several popular rewards cards and two of them, the and the , may seem similar at first glance. Both cards offer elevated rewards in certain categories, low introductory APR offers and Discover’s Cashback Match, where the issuer will...
    Discover it Chrome Vs. Discover it Cashback

  • Upgrade Triple Cash Rewards Visa Review 2025

    With the potential to earn impressive cash back in unique categories, the seems like a great addition to many wallets. However, Upgrade’s advertising doesn’t make it clear that this card is not actually a credit card but a line of...
    Upgrade Triple Cash Rewards Visa Review 2025

  • Credit One Bank NASCAR American Express Credit Card Review 2025

    Even the most avid racing fans should steer clear of the . Those with good or better credit can find a much better option than this card. And someone with just okay credit should choose a card without the overinflated...
    Credit One Bank NASCAR American Express Credit Card Review 2025

  • If My Credit Card Balance Is Zero, Do I Still Have To Pay?

    When you have a zero balance on your credit card, that’s something to celebrate. If there’s no balance on your card, that means you don’t owe the card issuer any money. A good rule of thumb regarding credit cards is...
    If My Credit Card Balance Is Zero, Do I Still Have To Pay?

  • Debt Avalanche Calculator

    You’re ready to tackle your debt and have a plan to save more and reduce your debt: Pay down the balance with the highest interest rate first, then move on to the card with the next highest interest rate and...
    Debt Avalanche Calculator

  • What To Know About Credit Card Minimum Payments

    Credit card issuers charge cardholders a minimum monthly payment against any balances accrued. The way minimum payments are calculated can vary from issuer to issuer, but a few common methods are used among the largest issuers. Making the minimum payment...
    What To Know About Credit Card Minimum Payments

  • The Verve Mastercard: What You Need To Know

    When you have had credit missteps, getting approved for a credit card can be challenging, especially for an unsecured card that doesn’t require a security deposit. The Verve Mastercard is an unsecured credit card designed for those with less-than-perfect credit....
    The Verve Mastercard: What You Need To Know

  • The AARP® Travel Rewards Mastercard® From Barclays Review 2025

    offers solid travel rewards with no annual fee or foreign transaction fees. Barclays also donates to the AARP Foundation every time a new account is opened or eligible electronics and telecommunication purchases are made on the card. Other top credit...
    The AARP® Travel Rewards Mastercard® From Barclays Review 2025

  • What Credit Score Do You Need To Get The Capital One Walmart Rewards Card?

    Editor's Note: This product is no longer available for new applications. We'll update more when we have new information. Walmart stores are known around the globe for their low prices and vast range of products. With more than 10,500 stores...
    What Credit Score Do You Need To Get The Capital One Walmart Rewards Card?
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Top Picks From Adam Frankel

  • If My Credit Card Balance Is Zero, Do I Still Have To Pay?
    If My Credit Card Balance Is Zero, Do I Still Have To Pay?

    by Adam Frankel

    Read More

  • The American Express Green Card Vs. The Blue Cash Preferred Card From American Express
    The American Express Green Card Vs. The Blue Cash Preferred Card From American Express

    by Adam Frankel

    Read More

  • The Verve Mastercard: What You Need To Know
    The Verve Mastercard: What You Need To Know

    by Adam Frankel

    Read More

About

With over four decades of experience as a portfolio manager and educator, Adam B. Frankel simplifies credit card strategies and complex personal finance topics for anyone seeking to gain a better understanding of how to manage their money. His work has been featured in national personal finance sites including Forbes Advisor, Fortune, MarketWatch and CardRatings.