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
Making the Most of the Chase Freedom Flex
Maximize your bonus categories, pair with one of the Chase Sapphire cards and shop through the Chase bonus mall to boost your rewards.
Delta AmEx Cards Give Permanent 15% Off Award Travel, Increased Bonus Offers
Delta AmEx cardholders will now receive a 15% discount on award bookings, and new cardmembers can take advantage of increased limited-time offers.
5 Things to Know About the Verve Credit Card
High fees and poor benefits should have you looking elsewhere for a card to help build your credit.
5 Things to Know About the Academy Credit Card
A 5% discount on most Academy purchases is valuable and surprisingly simple for a store card. But most people will still do better with a general cash-back card.
Alaska Airlines Card Overhaul: $95 Fee, 2X Rewards, Tweaks to Companion Fare
The changes are a mixed bag and include a new spending requirement to earn the card's standout "buy one, get one" airfare deal.
Best Credit Cards of 2023: Meet the New Champions and Who They Beat
2023 brings five new cards to the top of our ranks, replacing some legacy champions.
How to Optimize Chase Freedom Flex, Discover it Cash Back for Q1 2023
The new year means resolutions and new opportunities to earn 5% cash back in some popular bonus categories.
5 Tasks for Your Year-End Credit Card Checklist
It's a perfect time to make sure you’re maximizing your card benefits — and to review your spending habits in case you could do better with a different card.
Which Credit Card Rewards Can Be Used for Apple Purchases?
Many issuers allow you to redeem points for Apple merchandise and gift cards. While it might not offer the best value, using points could help you save some cash.
U.S. Bank Shopper Cash Rewards vs. U.S. Bank Cash+: A Clash of Customizable Cards
Both let you pick your own bonus categories and will require similar maintenance. So the better fit depends on where, specifically, you shop and how much flexibility you want.
Is an FNBO Credit Card Right for You?
FNBO issues three credit cards without a co-brand for people with poor to excellent credit. But whether you’re looking for rewards, an 0% APR offer or to rebuild credit, you can likely do better elsewhere.
Bank of America Travel Rewards Card for Students: Good Credit Required
The card features decent ongoing rewards, a rich sign-up bonus and a lengthy intro APR offer, but students may struggle to qualify because of credit score requirements.
Best Credit Cards to Use at Walmart
Although Walmart is frequently a quarterly bonus category for several cards, it will take some juggling to consistently maximize your rewards at the world's largest retailer.