LaToya Irby LaToya is TripSavvy's travel credit card expert. She holds a business degree from the University of Alabama and her writing has appeared in various financial publications including The Balance, Invibed, HealPay, and Finance Globe. She's been quoted for her credit and debt expertise in several major publications including USA Today, U.S. News and World Report, Yahoo! Finance, Black Enterprise, Los Angeles Times, Chicago Tribune, and the Associated Press. Highlights LaToya Irby is a credit and credit card expert—she covers travel reward cards for TripSavvyShe has over 12 years of experience in financial reporting as a writer and ghostwriter for dozens of personal finance outletsLaToya holds a business degree from the University of Alabama Experience LaToya's writing has appeared in publications including The Balance, Invibed, HealPay, and Finance Globe. She has also appeared as a guest expert on radio shows across the country, and has hosted local financial seminars. She has also worked as a collection specialist in the financial services industry, giving her insider knowledge on debt collection laws and practices, as well as insight into consumer challenges in dealing with debt. Education LaToya holds a business degree from the University of Alabama. Other work:A Beginner's Guide to Travel Points Credit Cards, The Balance 4 Reasons Your Wallet Needs a Cash Rewards Credit Card, CreditRodeo 5 Credit Cards You Should Never Close, The Balance TripSavvy Product Review Editorial Guidelines & Mission About TripSavvy and Dotdash TripSavvy, a Dotdash brand, is a travel site written by real experts, not anonymous reviewers. You’ll find that our 20-year-strong library of more than 30,000 articles will make you a savvy traveler—showing you how to book a hotel the whole family will love, where to find the best bagel in New York City, and how to skip the lines at theme parks. We give you the confidence to spend your vacation actually vacationing, not fumbling with a guidebook or second-guessing yourself. Learn more about us and our editorial guidelines.