CBS News: $20,000 CD vs. $20,000 high-yield savings account: Here's which earns more now $20,000 CD vs. $20,000 high-yield savings account: Here's which earns more now As the aforementioned RFC does not include any reference of encoding spaces as +, I guess using %20 is the way to go today.

Understanding the Context

For example, "%20" is the percent-encoding for the binary octet "00100000" (ABNF: %x20), which in US-ASCII corresponds to the space character (SP).