Matt Schulz is Chief Credit Analyst at ValuePenguin. He is a nationally recognized expert on credit cards, having covered them and other aspects for personal finance for more than a decade. During that time, he’s been quoted in or appeared on Good Morning America, CBS Evening News, the Wall Street Journal, New York Times and hundreds of other media outlets around the U.S. and the world. He's also an avid traveler having used rewards and points and miles to travel throughout the United States and the world, including Tokyo, Rome, Paris, London and Hawaii.