Editorial Team

Articles under the Editorial Team byline are produced by multiple contributors including our senior credit card strategist, SMB finance editor, and outside fact-checkers. We use this byline when no single author is primarily responsible for a piece — most often on comparison articles, service roundups, and news updates where multiple people contributed research.

Our editorial process for every article:

1. Research first. Every claim about a fee, reward rate, or service policy is sourced from the issuer’s or service’s own current terms, not from third-party summaries.
2. Math verification. Every break-even calculation is independently re-checked before publication.
3. Honest counter-examples. Every strategy article must include at least one clear scenario where the strategy does NOT work.
4. Disclosure. Affiliate relationships are disclosed on every page and in each relevant article.
5. Regular updates. Articles are reviewed at least quarterly or whenever we learn a material term has changed.

Questions, corrections, or tips? Email us at hello@payrollbycreditcards.com.