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About Us

LowCards.com has been serving as a consumer resource for credit cards for over twenty years. It has been used by over one million people and mentioned by over 500 newspapers and magazines including The Wall Street Journal, USA Today, Kiplinger, The Washington Post, and The New York Times.

LowCards.com simplifies the confusion of shopping for credit cards. We constantly analyze hundreds of different credit cards and write objective opinions for consumers. Due to this objectivity, LowCards.com has been rated as one of the best credit card comparison sites in the nation.  LowCards.com also provides credit card categorizations in which cards from our advertising partners are ranked objectively based on different criteria, such as best credit cards for low interest, travel, balance transfer, and more.

Feel free to Contact Us with any questions or comments. Our personal finance writers are listed below and would welcome any comments you have for them.

Bill Hardekopf

Bill Hardekopf is the CEO of LowCards.com and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor. bill can be contacted at billh@lowcards.com

Heaven Speirs

Heaven Speirs is a contributing writer for LowCards.com. She remains up-to-date with the latest developments in the credit card industry and the financial sector as a whole. Heaven has over 10 years of experience in online journalism, the bulk of which has been focused on personal finance. Heaven attended Oklahoma State University, where she discovered her talent for research and content creation. In her spare time, Heaven enjoys painting, playing poker, and spending time with her husband and three dogs. Heaven Speirs can be contacted at hspeirs@lowcards.com

Jason Steele

Jason Steele is a journalist that covers credit cards, travel and consumer credit. As one of the nation's leading experts in credit cards, Jason has contributed to dozens of travel and personal finance outlets including NerdWallet, Credit Karma and the Points Guy, where he serves as the Senior Points and Miles Contributor. Jason has also been widely quoted in mainstream media in outlets such as the Washington Post, the USA Today and Bloomberg Business Week. Jason is also the founder and producer of CardCon, which is the annual Conference for Credit and Credit Card Media. JasonSteele can be contacted at jasondsteele@gmail.com

Travis Short

Travis Short is the Brand Coordinator at LowCards.com. He works with credit card issuers and our editorial team to make sure the credit cards you see on LowCards.com are compliant and represented correctly. He received his bachelor's in Marketing from the University of Arkansas in 2015 and has been on the LowCards.com team for the last two years. Travis can be reached at tshort@icommissions.com. Travis can be contacted at travis@icommissions.com

Tracy Farnsworth

Tracy Farnsworth went straight from a business track in high school to a full-time job in mortgage banking in Burlington, Vermont. After having children, she built a freelance career in content writing and took online classes as time allowed. She completed Social Media Marketing and Digital Marketing certificate programs with Ireland's online Shaw Academy and completed several courses in SEO and analytics. In her free time, she's the “mom” to a very clingy rat terrier, and the pair walk at least a mile every day. She's also a novice baker who is trying to master the art of sourdough bread. Tracy can be contacted at tfarnsworth@lowcards.com

To contact LowCards.com by mail, please send all correspondence to:

LowCards.com
3000 Riverchase Galleria
Suite 1500
Birmingham, AL  35244
205-985-9725

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LowCards.com is an independent, for-profit website. LowCards.com participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site.

LowCards.com does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.