We earn commissions from brands listed on this site, which influences how listings are presented.

Elke Zalcman

Elke Zalcman is a financial content specialist at Natural Intelligence covering US cards and banking

Elke Zalcman is a financial content specialist at Natural Intelligence covering credit cards and online banking. She’s passionate about breaking down personal finance, making complex topics like budgeting and investing accessible and engaging for everyday consumers, and sharing practical guidance on credit card rewards and travel hacking.

Posts by Elke Zalcman

How Fed Rate Cuts and Hikes Affect Your Credit Card APR

Fed rate cuts and hikes usually move a variable credit card APR by about the same amount, often within one or two billing cycles, because most cards track the prime rate. A quarter-point change on a $5,000 balance shifts interest by only about $1 a month. Your issuer's margin, your balance and a 0% intro APR card matter far more.

Chase Freedom Unlimited vs Wells Fargo Active Cash: Which Cash Back Card Wins for You?

Choosing the right cash back card can make a real difference in your everyday spending. The Wells Fargo Active Cash® and Chase Freedom Unlimited® both offer strong value, but their reward structures appeal to different types of cardholders. Here’s what to know before you apply.