Scott Smith
Founder & Editor-in-Chief
Scott Smith is the founder of CardCompareHub. With a background in writing and years of experience in the credit card and consumer lending industry, he helps consumers find cards that genuinely match their spending habits and financial goals.
Articles by Scott Smith
-
The Minimum Payment Trap: Why Paying The Minimum Costs You Years
Minimum credit card payments keep you in debt for years. See the real payoff math by balance and APR, and how a small fixed payment cuts costs.
-
Dining Credit Cards in 2026: Match the Card to Your Spending
Dining cards compared by spending level, no-fee picks for light diners, mid-tier for $4k+ spend, and Amex Gold math for heavy diners. 2026 picks.
-
How to Request a Credit Limit Increase Without Hurting Your Score
Issuer-by-issuer guide to credit limit increases. Soft pull vs hard pull policies for Amex, Chase, Capital One, Citi, BofA, plus timing tips.
-
American Express® Gold Card Review 2026
Amex Gold Card review. 4× points on supermarkets and restaurants, $325 annual fee, up to $424/year in credits, when it pays off and when it doesn't.
-
Travel Credit Cards in 2026: Picks by Travel Style
Match a travel credit card to your actual travel pattern. Compare annual fees, credits, lounge access, earning rates, and foreign transaction fees.