Rutgers School of Business–Camden’s Dr. Yuliya Strizhakova was recently featured in WalletHub’s expert analysis on the Capital One Savor One Cash Rewards Card, where she offered practical and insightful guidance for consumers navigating today’s complex credit card landscape.
In the article, Dr. Strizhakova emphasizes the importance of understanding your own spending habits before comparing rewards and fees. When choosing between a no-annual-fee card and one that offers slightly higher rewards at a cost, she advises thinking of the annual fee as a long-term investment. If dining out, entertainment, or other bonus categories make up a meaningful part of your budget—and your income can comfortably support the fee—then a rewards-focused card may deliver more overall value. For those who don’t typically spend in these areas, a no-fee card is often the smarter and safer choice.
She also highlights the potential benefits of making purchases through credit card companies’ online shopping portals, which can offer additional reward multipliers. Still, she encourages consumers to compare total prices: sometimes a lower price outside the portal offers better value than bonus cash back.
Dr. Strizhakova’s message is clear and empowering: the best credit card is the one that fits your lifestyle. Her expertise continues to help consumers make confident, informed financial decisions.