Raina He

Credit Cards & Breaking News Expert

The most important thing I look for in a travel card is flexibility in redeeming rewards. I like having the option to either transfer points to travel partners for potentially outsized value or easily liquidating my points as cash back at a fair rate if I need to.

Raina is a freelance contributor to Newsweek’s personal finance team. Specializing in credit cards, banking, and loans, Raina has written or edited hundreds of articles for CNET Money and NextAdvisor with TIME (which merged with CNET Money in 2023). She loves to write about personal finance because she firmly believes that financial literacy can help people create more opportunities in their life — whether that’s through saving money for specific goals, using credit card rewards to stretch their dollars further, or being prepared for unexpected financial turbulence. A Saint Louis native, she’s currently traveling around the world and documenting her adventures (and advice) on Instagram and TikTok under the handle @rainainwanderland.