Sammi Scharf
Staff Writer
4years covering personal finance
14+ articles on LendingTree
Led first-person credit card reviews based on hands-on product experience
Helped improve how credit card information is presented for clearer consumer decisions
Specialties
Credit cards
Small business loans
Mortgage
Education
Bachelor of Arts, Appalachian State University
Sammi Scharf is a staff writer at LendingTree, where she covers personal finance topics including small business loans, mortgages and credit cards. Her work focuses on helping consumers compare financial products and make informed decisions based on their goals and financial situation.
Since joining LendingTree in 2022, Sammi has written more than 175 pieces of content and helped develop the company’s process for maintaining accurate, up-to-date credit card information. She brings years of experience in personal finance, with deep expertise in credit card rewards, benefits and strategies for maximizing value.
Before transitioning into personal finance, Sammi covered home appliances and real estate, building a foundation in explaining complex products in a clear, accessible way. She is passionate about helping readers navigate major financial decisions with confidence and clarity.
How I use credit cards in real life
When I first started at LendingTree, I had two credit cards I chose without much research. Over time, I learned how to use credit cards intentionally, and now I have a setup that fits different parts of my life and helps me save on everyday expenses. The biggest shift was realizing it’s not about having more cards, but about using the right ones in a way that supports your financial goals."
