MBA, Northwestern Kellogg · Capital One Alumni · 11 Years Experience
Natalie Chen holds an MBA from Northwestern University's Kellogg School of Management with a concentration in marketing and consumer behavior. She spent 5 years as a Product Manager at Capital One in McLean, VA — designing the rewards structure for the Venture and Quicksilver card families — before joining The Points Guy as a senior credit card analyst.
Her insider perspective on how credit card rewards programs are designed (and where the margins are) makes her analysis uniquely valuable: she knows which "5x bonus categories" have hidden caps, which transfer partners actually deliver value, and which premium cards are engineered to look better than they are. Her credit card analysis has been cited by NerdWallet, Forbes Advisor, and Business Insider. She holds a BA in Economics from UC San Diego.
View LinkedIn ProfileEducation: MBA Marketing & Consumer Behavior, Northwestern Kellogg · BA Economics, UC San Diego
All content by Natalie Chen, MBA is written according to MONEYlume's editorial standards. Facts are verified against primary sources including the IRS, Federal Reserve, CFPB, and peer-reviewed financial research. Articles are updated when regulations or market conditions change significantly.