Charlotte Zhang, staff writer for LendingTree

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.


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


  • 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


  • 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.”

Articles by Charlotte Zhang

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

What Is a Black Card?

You’re at a swanky restaurant when a dining companion produces a shiny black card and gives it to the server. Fellow diners “ooh” and “ahh”... read more

Chase Sapphire Preferred: Full Benefits Guide

The Chase Sapphire Preferred® Card easily remains one of the best travel credit cards currently on the market — thanks to its cardholder benefits, lucrative... read more

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