Ben Luthi

Ben Luthi - The Balance

Credit Cards, Student Loans, Mortgages
Brigham Young University


  • Has written more than 60 articles for The Balance about credit cards and loans
  • Started writing about personal finance in 2013
  • Published in top national publications, including U.S. News & World Report, Bankrate, Investopedia, Credit Karma, and
  • Former staff writer for NerdWallet and Student Loan Hero 


Ben Luthi is an expert on credit cards, particularly on using them for travel. He spends more than a month out of the year exploring new places—many times, using the tens of thousands of dollars' worth of credit card rewards he's earned. Ben also writes about mortgages and other personal finance topics for The Balance.

Before he turned freelance, Ben was a staff writer for Student Loan Hero and, before that, NerdWallet. While at NerdWallet, he provided consumers with personalized financial advice through the company's mobile app and live chat feature.

He began his career in financial services working as an intern for Northwestern Mutual. He then worked in banking and auto finance while writing on the side.


Ben Luthi received his Bachelor of Science in business management with a finance emphasis, and a minor in German from Brigham Young University.