Charlotte Zhang

  • Expertise: Credit cards, personal finance, life insurance, real estate investing
  • Education: Martin Luther College


Charlotte Zhang is a staff writer focusing on credit cards.

Prior to becoming a personal finance writer, Charlotte Zhang spent more than 15 years as an English as a Foreign Language teacher in small-town China after receiving her education degree from Martin Luther College. She taught thousands of students across all levels; from preschoolers to C-suite executives, with middle school being her favorite age group.

She’s written personal finance content for Joy Wallet, Save, Insurify, The Penny Hoarder, Money Under 30, RBC Wealth, Next Advisor, Credit Sesame, The Simple Dollar, Work+Money, Capital One, Incomes Abroad and International Living. Additionally she’s ghostwritten content for real estate investing and insurance blogs.

When she’s not scanning receipts to earn cash back rewards or giving personal finance tips to friends, she enjoys knitting woolen socks (not a frugal hobby), cooking (a great way to save) and hanging out with her husband and two kids.

Articles by Charlotte Zhang

APR vs. APY vs. Interest Rate: What’s the Difference?

To many people, the terms APR and APY are synonymous with interest rate, though they have very different meanings. The main difference is that APR... read more

Can You Buy Crypto With a Credit Card?

The short answer is: Yes – but only from some crypto exchanges and with certain credit cards. That said, the limited number of exchanges that... read more

How to Get Preapproved for a Chase Credit Card

Chase credit cards are some of the best credit cards available in terms of rewards, benefits and interest rates. However, there’s never a guarantee that... read more

Do Credit Card Rewards, Points and Miles Expire?

Credit card points and miles won’t expire as long as your account remains open. However, points and miles earned with airline and hotel loyalty programs... read more

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