Craig Joseph is a NerdWallet lead writer and credit cards expert. He has degrees in geology from West Virginia University and oceanography from Oregon State University and has published in academic journals, newspapers and blogs. Craig is passionate about personal finance and wants to enhance the financial literacy of everyone he meets. He'll probably also try to convince you why rocks are cool.
- Education: B.S. in geology from West Virginia University, M.S. in oceanography from Oregon State University
- Previous experience: Writer/Editor at US Credit Card Guide, Freelance personal finance writer
The latest from Craig
5 Things (We Wish We Knew) About the AmEx Black Card
The card grants bearers exclusive benefits, elite standing in various loyalty programs, and prestige. The Platinum Card, on the other hand, provides many of the same benefits without the astronomical fees.
Niche Credit Card Rewards Were Having a Moment — What Happened?
Small financial technology companies face an uphill battle to gain market share vs. traditional issuers, thanks to massive costs and, sometimes, bad timing.
When Is the Best Time to Apply for a New Credit Card?
It depends on your goals, but ideal times include when you're trying to zap debt, have a big purchase coming up, or are looking to bolster your credit.
Can You Buy Lottery Tickets With a Credit Card?
Some states allow these purchases, but you're gambling with cash advance fees and interest that starts accruing immediately after your purchase.
How to Optimize Chase Freedom Flex, Discover it Cash Back for Q2 2023
This spring, eligible cardholders can be rewarded for shopping at the largest online retailer, making home improvements, dining out and buying in bulk.
5 Things to Know About the Shell Credit Card
The card earns a discount at the pump and rebates on future fuel purchases, but restrictions and rewards expiration dates will make cardholders feel stuck in their shell.
Overcome These Misconceptions and Rev Up Your Credit Card Rewards
From outsized cash back to luxury travel redemptions, rewards optimizers know how to ignore the noise and make the most out of their cards.
DoorDash Rewards Credit Card Review: For Loyalists, It Delivers
It offers 4% cash back on DoorDash and Caviar orders, in addition to solid rewards in other useful bonus categories. But if you're not a DoorDash die-hard, you'll want to look elsewhere.
My GM Rewards Card Review: Revved-up Yet Inflexible Rewards
The My GM Rewards Card earns generous rewards, but redemption options are limited.
Discover’s 5% Bonus Categories for Q2 2023: Restaurants and Wholesale Clubs
Purchases at restaurants and wholesale clubs will earn bonus rewards this spring, and if you're a newer cardholder, those bonus rewards will be doubled after your first year.
5 Things to Know About the Revvi Card
High fees, low credit limits and a sky-high interest rate should have you looking elsewhere to build or revitalize your credit.