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Craig Joseph is a NerdWallet credit cards and travel rewards expert. He has degrees in geology from West Virginia University and oceanography from Oregon State University and has published in academic ...

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Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

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Farran Powell is the managing editor of investing at Forbes Advisor. She was previously the assistant managing editor of investing at U.S. News & World Report. Her work has appeared in numerous ...