The information related to the Wells Fargo Reflect® Card, BankAmericard® credit card, BankAmericard® Credit Card for Students, Edward Jones Business Plus MasterCard Credit Card, U.S. Bank Visa® Platinum Card, ESL Visa® Credit Card, Navy Federal Platinum Credit Card, Discover it® Secured Credit Card, Discover it® Cash Back and Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Charlotte Zhang

Charlotte Zhang is a credit cards writer at LendingTree, where she explains credit cards and other personal finance topics in simple terms to help readers with financial decisions.

Charlotte believes learning about personal finance is a vital skill to prepare people for different financial scenarios in life.

Prior to joining LendingTree in 2023, she spent more than a decade contributing to personal finance and insurance websites, as well as parenting, education and travel websites and magazines. Before writing professionally, she taught English in China for over a decade.

Outside of work, she enjoys knitting, spending time with her husband and two kids and leading 4-H activities for community youth.

Specialties

  • Credit card reviews
  • Credit scores and building credit
  • Budgeting
  • Life insurance

Achievements

  • 14+ years of personal finance writing experience
  • 60+ articles written for LendingTree
  • Writing has also been published in U.S. News & World Report, USA Today, The Penny Hoarder, Money Under 30 and The Simple Dollar

Education

  • Bachelor of Science, Martin Luther College

Charlotte’s favorite credit cards

“I love the simplicity of cash back credit cards. I use the Discover it® Cash Back for its rotating categories and Wells Fargo Active Cash® Card to get 2% back on everything else.”

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