Rebecca Lake is a certified educator in personal finance (CEPF) and a banking expert. She's been writing about personal finance since 2014, and her work has appeared in numerous publications online.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Trying to choose the right rewards credit cards can be overwhelming. You have to consider not only the ...

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.