Ben Luthi Education: Brigham Young University Location: Lehi, Utah Expertise: Credit Cards, Student Loans, Mortgages Has written more than 60 articles for The Balance about credit cards and loansStarted writing about personal finance in 2013Published in top national publications, including U.S. News & World Report, Bankrate, Investopedia, Credit Karma, and CreditCards.comFormer staff writer for NerdWallet and Student Loan Hero Experience Ben Luthi is an expert on credit cards, particularly on using them for travel. He spends more than a month out of the year exploring new places—many times, using the tens of thousands of dollars' worth of credit card rewards he's earned. Ben also writes about mortgages and other personal finance topics for The Balance.Before he turned freelance, Ben was a staff writer for Student Loan Hero and, before that, NerdWallet. While at NerdWallet, he provided consumers with personalized financial advice through the company's mobile app and live chat feature.He began his career in financial services working as an intern for Northwestern Mutual. He then worked in banking and auto finance while writing on the side. Education Ben Luthi received his Bachelor of Science in business management with a finance emphasis, and a minor in German from Brigham Young University. About The Balance The Balance, a Dotdash Meredith brand, makes money easy to understand. We give people tools they need to not only make smart financial decisions but also prepare for the experiences they will have along the way. Our team of expert writers and editors have extensive qualifications in the topics they cover, and many of them have MBAs, PhDs, CFPs, and other advanced degrees and professional certifications. We require our writers to use primary sources in their articles, which are also approved by our Financial Review Board and fact-checked. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.