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
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.
6 Ways to Boost Your Credit Card Rewards This Holiday Season
The holidays are synonymous with spending. With a little planning, savvy consumers can earn bonus miles, points or cash back this holiday season.
5 Things to Know About the Upgrade Life Rewards Card
Earn unlimited 3% cash back in useful categories and get a sign-up bonus if you pair the card with a new checking account.
Capital One Quicksilver Student Card: Simple and Straightforward
From textbooks to take-out during an all-nighter, students who qualify can earn 1.5% cash back on all purchases while building their credit profile.
How to Optimize Chase Freedom Flex, Discover it Cash Back for Q4 2022
Whether you’re shopping for the holidays or stocking up on essentials, you'll find something to like about these quarterly 5% categories.
5 Things to Know About the Torrid Credit Card
It's a refreshingly simple and potentially valuable store card, featuring both initial and ongoing discounts. But it won't be useful anywhere other than the clothing retailer.