Blog

Hejia Zhang

Hejia Zhang

Editor-in-Chief, ShopBack

86 articles

About

Hejia Zhang is Editor-in-Chief of ShopBack's editorial team, covering consumer pricing, sale cycles, and retailer comparisons across Australia, Singapore, and the United States.

Articles by Hejia Zhang

Finance

Chase Freedom Unlimited vs Citi Double Cash vs Wells Fargo Active Cash vs Capital One Quicksilver US 2026: Flat-Cashback Card Face-Off

For US shoppers in 2026 wanting one no-annual-fee credit card that earns flat cashback on all purchases, the best choice depends on redemption preference and existing card ecosystem. Citi Double Cash earns 2 percent flat (1 percent when you buy, 1 percent when you pay), Wells Fargo Active Cash earns 2 percent flat with a simpler earn structure, Chase Freedom Unlimited earns 1.5 percent flat but transfers to Ultimate Rewards partners (jumping effective value to 2 to 4 cents per point when paired with Chase Sapphire Preferred or Reserve), and Capital One Quicksilver earns 1.5 percent flat and transfers to Capital One miles (jumping when paired with Venture X). Citi Double Cash and Wells Fargo Active Cash win on raw flat cashback; Chase Freedom Unlimited and Capital One Quicksilver win as ecosystem accelerators.

Finance

US Cyber Monday November 30 vs Black Friday November 27 2026: Strategy, Category Timing, and What to Buy When

For US shoppers in 2026, Black Friday falls Friday 27 November and Cyber Monday falls Monday 30 November. The 3-day gap matters because inventory, pricing depth, and retailer competitive posture cycle differently across BF and CM. Black Friday wins on TVs, appliances, large electronics, and doorbuster in-store apparel at Best Buy, Target, Walmart, Kohl's, and Macy's. Cyber Monday wins on laptops (Dell, HP, Lenovo direct), Apple accessories, gaming (Steam Autumn Sale endpoint 2 December), Amazon-only exclusives, and Adobe Creative Cloud. Thanksgiving Day 26 November now sees roughly 70 percent of Black Friday online depth as retailers pre-empt physical BF traffic. Cyber Week extends through Wednesday 2 December on Amazon and Best Buy.

Travel

Mexico vs Costa Rica vs Colombia Payment for US Tourists in 2026: Cash, Multicurrency Cards, and Tap-to-Pay Compared

How US tourists should pay in Mexico, Costa Rica, and Colombia in 2026: local cash MXN CRC COP, USD-loaded Wise Revolut Schwab debit, and tap-to-pay Visa Mastercard compared.

Travel

Europe Payment Cash vs Tap vs Multicurrency Card for US Tourists in 2026: The 21-Day France Italy Spain Rail Loop Cost Breakdown

US tourist 2026 payment breakdown for a 21-day France Italy Spain rail loop across EUR cash, USD-loaded multicurrency debit (Wise, Revolut, Charles Schwab), and tap-to-pay contactless.

Travel

Japan and Korea Payment for US Tourists 2026: Cash vs Multi-Currency Card vs Tap

The three payment rails a US tourist actually uses across Tokyo, Kyoto, and Seoul in 2026: cash (JPY, KRW), USD-loaded multi-currency card (Wise, Revolut), and tap-to-pay (Suica, ICOCA, T-money). Which wins, per merchant type, in 2026.

Finance

Wise vs Revolut vs Schwab vs Fidelity for US Travelers in 2026: No-FX-Fee Travel Checking

For US travelers in 2026, Charles Schwab Investor Checking and Fidelity Cash Management both refund all third-party ATM fees worldwide with no monthly cap, while Wise Multi-Currency and Revolut Premium give you cheap mid-market conversions and a spend-in-40-currencies balance. The right pick depends on whether you take cash out often, spend by card, or need multi-currency balances for freelance work and long stays.

Finance

Marriott Brilliant vs Hilton Aspire vs Chase World of Hyatt 2026: Which Hotel Co-Brand Pays Back the Fee?

For US travelers weighing premium hotel co-brands in 2026, the Marriott Bonvoy Brilliant American Express ($650), Hilton Honors Aspire American Express ($550 with a $400 resort credit), and Chase World of Hyatt personal ($95) or business ($199) cover very different traveler patterns. Brilliant wins for Marriott elites who value the up-to-85,000-point free night; Aspire wins for resort-heavy travelers who use the $400 resort credit plus free weekend night; Chase Hyatt wins for lean-spending mid-market travelers who want the lowest-fee entry into a strong points program.

Finance

Chase United Explorer vs Delta SkyMiles Gold Amex vs Alaska Airlines Visa in US 2026: Which Mid-Fee Airline Co-Brand Card Wins?

For US flyers in 2026 picking a mid-fee airline co-brand card, Chase United Explorer ($150/yr) wins for United hub flyers who want the widest checked-bag coverage plus United Club passes, Delta SkyMiles Gold Amex ($150/yr) wins for Delta loyalists after the June 2026 relaunch that added up to two free checked bags plus 8 companions, and Alaska Airlines Visa ($95/yr) wins on absolute value because the annual $99 Companion Fare can cover the fee on a single round trip. The right pick is the one whose hub matches your home airport, not the one with the biggest welcome bonus.

Finance

Costco Executive vs Sam's Club Plus vs BJ's Club+ for a US Family of Four in 2026: Which Warehouse Club Pays Back the Fee?

For a US family of four in 2026, Costco Executive ($130/yr) breaks even fastest on heavy grocery plus gas spend, Sam's Club Plus ($110/yr) wins for households that shop online often and value free shipping plus Scan and Go, and BJ's Club+ ($110/yr) wins for East Coast families who lean on manufacturer coupons and smaller pack sizes. Household size matters: a family of four typically clears the break-even at any of the three, so the tie-breaker is location, gas volume, and coupon habit.

Finance

US October Prime Day 2026 vs Early Black Friday: SKU-by-SKU Timing

For US shoppers deciding whether to buy specific SKUs at October Prime Big Deal Days 2026 or wait for early Black Friday in early November, the answer depends on the category. Amazon devices (Kindle, Fire TV, Echo, Ring), household staples, and beauty go deeper at October Prime Day. Premium electronics (LG C5 OLED, Sony Bravia 9, MacBook Air), home appliances, and gaming consoles typically go deeper at Black Friday early sales. Apparel, luggage, and travel gear split roughly evenly. Buy at Prime Day when the SKU is Amazon-first or Amazon-exclusive; wait for Black Friday when the SKU has a strong Best Buy, Target, Walmart, or manufacturer-direct presence.

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