Tracy Brackman, senior writer for LendingTree

Tracy Brackman

Senior Editor

Tracy Brackman is a senior editor and credit card expert at LendingTree, where she writes and edits educational articles on credit cards and personal finance using her 14+ years of experience in the industry.

Before joining LendingTree in 2019, Tracy worked as a products editor for, where she developed the credit card products section and wrote breaking news content focused on credit cards.

Prior to that, she worked as a product information manager for Bankrate, where she managed the credit card product details and maintained compliance for two affiliate networks, as well as Bankrate-owned and operated sites.

She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company.


  • Credit card product reviews
  • Personal finance education
  • Credit card compliance


  • 14+ years of credit card reporting experience
  • Helped establish a process to maintain credit card compliance for editorial content


  • Ohio State University
  • Florida International University

Tracy’s favorite credit cards

“Currently, I like to use my American Express® Gold Card to earn a high rewards rate on dining and grocery purchases — the two categories I spend the most in each month. I also love the protections that the card provides on my purchases and travel. My husband and I are able to easily combine our Membership Rewards points to use toward flights and hotel stays.”

Articles by Tracy Brackman

Secured vs. Unsecured Credit Cards: What’s the Difference?

Citi is an advertising partner. If you have good to excellent credit, chances are you’ll be able to qualify for an unsecured credit card that... read more

Best Free Credit Reports

Because your credit report plays such a crucial role in your ability to be approved for a mortgage, apartment lease, car loan, credit card and... read more

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