Gregory Karp is a credit cards expert for NerdWallet. He has been a newspaper reporter and editor, authored two personal finance books and created the Spending Smart syndicated newspaper column, which ran from 2003 to 2014. He previously was a reporter at the Chicago Tribune, covering consumer issues, airlines, retail and other business news topics. He has been quoted as a guest expert on all media platforms — from TV, newspapers and magazines to podcasts and blogs — and he has spoken on panels at national conferences. He has won numerous awards, including national recognition from the Society of American Business Editors and Writers. Email: [email protected].