Robin Ratcliff is a Managing Editor with ValuePenguin. Her obsession with credit cards began in 2005 at CreditCards.com, where she honed her card expertise by developing and launching the site’s expert reviews and card ratings system. Robin loves explaining the ins and outs of credit card rewards programs and how to maximize cards. She is currently juggling Chase Ultimate Rewards® cards, collecting points for her next great adventure. She earned her bachelor’s degree in English from the University of Texas at Austin.