Denise Bay

Denise Bay

Denise graduated with an economics degree but is clearly more interested in other topics. She is unashamedly good at researching subjects related to personal finance, lifestyle, travel or beauty and her forte lies in analysing and dissecting T&Cs in credit cards. You can trust Denise to dish out honest opinions on whether a particular credit card is awesome or otherwise and she'll also share tried-and-proven tips on how to stretch your money further. She's curious by nature and sees learning as an opportunity to grow. She enjoys reading, travelling, spending time with loved ones and K-dramas. You can contact Denise at: denise.bay@get.com.

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At GET.com we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.

Cards are rated by our team based primarily on the basis of value for money to the cardholder. The GET.com team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.

Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.