Sammi Scharf

Sammi Scharf is a staff writer at LendingTree, where she compares and reviews credit cards. She loves to help consumers make the best financial decisions and find products that match their lifestyle. Sammi entered the personal finance space in 2022, when she joined LendingTree as a web content coordinator.

Through her work, Sammi has fostered a profound knowledge of credit card products. She enjoys deep-diving into card benefits that people may not know about and helping readers see how they can leverage all the features on their credit cards to save money.

Before joining the personal finance world, Sammi worked in the home appliances and real estate spaces. She wrote product information about appliances and new homes coming to market. Her passion for explaining products to consumers and helping them tackle major financial decisions led her to personal finance writing. When Sammi is not researching and reviewing credit cards, she’s training for her next race or hitting the beach.


  • Credit card reviews
  • Credit card comparisons
  • Rewards programs
  • Travel and travel loyalty programs


  • 2 years of credit card reporting experience
  • Nearly 50 articles written for LendingTree
  • Helped develop LendingTree’s process for updating credit card details.


  • Bachelor of Arts, Appalachian State University

Sammi’s favorite credit cards

“I’m all about cash back credit cards. I love the Wells Fargo Active Cash® Card because it’s an easy way to earn 2% cash back on everything I purchase. We’re a big Amazon household so I also love the Prime Visa. I’ve been able to use my cash back earnings to purchase furniture from Amazon for my home. Finally, the Chase Freedom Unlimited® is my favorite go-to credit card for dining out at restaurants.”

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