Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

Juan Ruiz's image

Juan Ruiz

Senior Editor & Content Contributor

88 Published Articles , 653 Edited Articles

About Juan Ruiz

Juan has over a decade of experience writing and editing stories relating to travel, credit cards, and loyalty programs. His extensive knowledge in these fields has garnered recognition for his contributions in numerous reputable publications, including USA Today, CNN Underscored, Forbes, and The Points Guy, among others. Juan is also the co-founder of JetBetter, a bespoke award-booking concierge service that helps clients optimize their points for luxury flights and 5-star hotels.

When Juan was in elementary school, his parents sent him to Bogota, Colombia, by himself to spend the summers with his grandmother. This was the start of his insatiable wanderlust. These days, Juan has been to more than 40 countries and has experienced some of the most magnificent premium flights in the sky, including Emirates A380 First Class, Qatar Qsuites, Singapore First Class Suites, and Etihad A380 First Class Apartments, to mention a few.

Juan, his wife Stephanie, and 3 daughters live in South Florida, where they embark on travel adventures worldwide using points and miles earned from more than 25 credit cards he possesses. His crowning achievement is showing his three daughters the world through a global lens.

Juan holds a Bachelor of Business Administration degree from Florida International University and a Master’s of Education from the University of Miami.

You can follow Juan on Instagram and Twitter.

Countries visited icon

Countries Visited

US states icon

U.S. States Visited

World of Hyatt Globalist, Hilton Honors Diamond

American AAdvantage Pro Platinum, JetBlue Mosaic, Delta Platinum Medallion

Oneworld

Singapore First Class Suite

Qatar Qsuites

Cathay Pacific long-haul business class for 4 at 50,000 Alaska miles per person. Cash value? $35,000!

Chase Ultimate Rewards

Juan's Latest Articles

See More Articles
5 Best Etihad Flights To Book With Etihad Guest Miles [Transfer from American Express® Membership Rewards Points]

5 Best Etihad Flights To Book With Etihad Guest Miles [Transfer from American Express® Membership Rewards Points]

Etihad Guest recently made updates to its loyalty program to reduce the price of award tickets — with a particular emphasis on some of the airline’s busiest routes. Let’s look at some sweet spot redemptions you might wish to explore…

Learn More
Earn 2x Hilton Honors Points This Summer With Latest Promo

Earn 2x Hilton Honors Points This Summer With Latest Promo

Summer travel is fast approaching, and Hilton wants your business. So much so the chain is offering double points on every stay across all of its brands. Hilton Honors has introduced its latest promotion, which is valid for stays from…

Learn More
Capital One Venture and Venture X Business Cards Switching Payment Networks — What To Know

Capital One Venture and Venture X Business Cards Switching Payment Networks — What To Know

If you have a Capital One Venture Rewards Credit Card or a Capital One Venture X Business Card*, you should be aware of a couple of recent changes to the cards that may affect their benefits. The issuer has announced…

Learn More
Chase Raising Global Entry Credit to $120 [Starting October 1]

Chase Raising Global Entry Credit to $120 [Starting October 1]

Starting October 1, the application fee for Global Entry will go up to $120. The fee increase raises the question of how credit card issuers will adapt, considering many of them provide an up-to-$100 Global Entry statement credit on some…

Learn More
Get a 50% Bonus When You Transfer Citi Points to Accor

Get a 50% Bonus When You Transfer Citi Points to Accor

The Citi ThankYou Rewards program is now offering a transfer bonus to one of the issuer’s hotel transfer partners, ALL – Accor Live Limitless. Let’s take a look at the details of the promotion to see if it is worth taking…

Learn More
Expanded Delta Sky Club Lounge Reopens in Miami

Expanded Delta Sky Club Lounge Reopens in Miami

While American Airlines is the dominant carrier at Miami International Airport (MIA), Delta flyers visiting Miami will now have an impressive, expanded Sky Club to enjoy during their travels. Here’s what Delta passengers can expect from a visit to the…

Learn More
Citi Updates Global Entry Credit to $120 Following Recent Application Fee Hike

Citi Updates Global Entry Credit to $120 Following Recent Application Fee Hike

With the Global Entry application fee increasing to $120 effective October 1, 2024, there is a growing curiosity surrounding the future of the $100 Global Entry statement credit offered by several popular travel rewards cards. Will cardholders be on the…

Learn More
ANA To Add Free Wi-Fi in Business Class on International Routes

ANA To Add Free Wi-Fi in Business Class on International Routes

Beginning this summer, All Nippon Airways (ANA) will offer complimentary Wi-Fi for business class passengers on international flights. Passengers flying long-haul business class with the airline will be delighted by this exciting news, as it enables them to stay productive…

Learn More
IHG Cardholders: Earn 10K Bonus Points After Spending $5K [Targeted]

IHG Cardholders: Earn 10K Bonus Points After Spending $5K [Targeted]

Make sure to keep an eye on your inbox, as Chase has recently sent out a special offer to IHG One Rewards cardholders. By spending $5,000 until June 30, 2024, you have the opportunity to earn 10,000 IHG One Rewards…

Learn More
British Airways Launches Free Status Match Promotion [U.S. and Canada Residents Only]

British Airways Launches Free Status Match Promotion [U.S. and Canada Residents Only]

British Airways, the UK’s flagship carrier, is currently offering a unique chance to earn almost top-tier status in their program through a limited-time status match offer. It’s important to note that British Airways rarely offers status match opportunities. Therefore, it presents a…

Learn More
Select Chase Cards Targeted for a Limited-Time 5x to 7x Spending Bonus

Select Chase Cards Targeted for a Limited-Time 5x to 7x Spending Bonus

Chase is back with the newest targeted offers that allow you to earn 5x to 7x points at gas stations, grocery stores, and home improvement stores on up to $1,000 combined spend between April 1, 2024, and June 30, 2024,…

Learn More
Earn Up to 3,000 Delta SkyMiles With Your Next Hilton Stays [Register Now!]

Earn Up to 3,000 Delta SkyMiles With Your Next Hilton Stays [Register Now!]

Delta and Hilton have announced a new limited-time promotion through which you can earn 1,000 Delta SkyMiles when you book your next hotel stay at Hilton.com or through the Hilton Honors app and complete your stay by July 7. This is fantastic news for…

Learn More
Fifth Freedom Flights: What They Are and How To Book Them [2024]

Fifth Freedom Flights: What They Are and How To Book Them [2024]

If you’ve heard the term “fifth freedom flight,” you might have scratched your head and wondered what it meant. Fifth freedom flights transport passengers between 2 countries other than the airline’s home country. These routes are permitted as long as the aircraft starts…

Learn More
New Marriott Bonvoy Promotion: Earn 10k Bonus Points at All-Inclusive Resorts

New Marriott Bonvoy Promotion: Earn 10k Bonus Points at All-Inclusive Resorts

If you’re considering a stay at one of Marriott’s all-inclusive resorts this year, you might be interested in its current bonus points offer. Let’s take a look at all the details of the latest promotion. All-Inclusive by Marriott Bonvoy Resorts…

Learn More
Breeze Airways Launches First Credit Card With a Rebranded Frequent Flyer Program

Breeze Airways Launches First Credit Card With a Rebranded Frequent Flyer Program

Since its launch in 2021, low-cost carrier Breeze Airways has quickly gained popularity among passengers. The airline operates flights to numerous small to mid-sized domestic markets and is known for its customer-friendly policies, including flexible changes and cancellation options and…

Learn More
Register Now To Earn Double Credit on Weekend Car Rentals at National [Ends June 9]

Register Now To Earn Double Credit on Weekend Car Rentals at National [Ends June 9]

If you’re considering renting a car in the near future, this new promotion by National Car Rental might catch your attention. Here is everything you need to know. National Car Rental Double Credit Offer Details For a limited time, National…

Learn More
[Expired] Earn 500 Bonus Miles Through This Promotion From Delta and Starbucks

[Expired] Earn 500 Bonus Miles Through This Promotion From Delta and Starbucks

Delta and Starbucks have announced a new limited-time promotion through which you can earn 500 bonus Delta SkyMiles when making purchases at Starbucks. This is excellent news if you like to earn miles and frequently visit Starbucks for your coffee fix or yearn…

Learn More
World of Hyatt Offering Double Elite Night Credits at Thompson and Dream Hotels [Until June 10]

World of Hyatt Offering Double Elite Night Credits at Thompson and Dream Hotels [Until June 10]

World of Hyatt has recently launched an exciting promotion where guests can now earn double elite night credits for their stays at Thompson Hotels and Dream Hotels until June 10, 2024. This adds even more convenience to earning elite night…

Learn More
How To Transfer American Express Membership Rewards Points to Etihad Guest

How To Transfer American Express Membership Rewards Points to Etihad Guest

You’ve been earning Membership Rewards® points* for your dream vacation to the Middle East and other captivating destinations. The next step is to book your travel by transferring the points to an airline reward program, like Etihad Guest. Whether this…

Learn More
Japan Airlines Places Major Airbus and Boeing Aircraft Order

Japan Airlines Places Major Airbus and Boeing Aircraft Order

Japan Airlines (JAL) announced today, March 21, that it placed 42 orders with Airbus and Boeing for narrow and widebody aircraft. This new aircraft order aims to expand Japan Airlines’ fleet and increase its presence in both domestic and international destinations. There is…

Learn More
[Expired] Save 10% Off ANA Flights With This Discount Code [Book by March 20]

[Expired] Save 10% Off ANA Flights With This Discount Code [Book by March 20]

Update:The offer mentioned below has expired and is no longer available. A new promotion from All Nippon Airways, or ANA, offers flyers the chance to save up to 10% on round-trip tickets. If you’re considering a trip to Japan before September 2024, this…

Learn More

Find out about other members of the team

Ashley Onadele Picture

Ashley Onadele

Content Contributor

Ashley discovered a love for travel in college that’s continued as her family has grown. She loves showing parents how they can take their families on trips using points and has contributed to numerous publications and podcasts.

LEARN MORE
Brandon Brunner Picture

Brandon Brunner

Former Content Contributor

Brandon was born and raised in California and really didn’t travel much growing up, even outside of his own state. While attending college, he was constantly looking to find the cheapest fares to any destination abroad, and quickly learned about the motto- “Chase the fare, not the destination”. Luckily, his first international flight was to Costa Rica (under $300 roundtrip) where that “Pura Vida” lifestyle (and Imperials) hit him hard, and he knew he had to see more.

LEARN MORE
Brian Graham Picture

Brian Graham

Former Content Contributor

Brian’s first ever airplane ride was in a private turbo-prop jet. He was merely an intern boy trying to make a good impression, but it turns out the plane made an impression on him.

LEARN MORE
Caroline Lupini Picture

Caroline Lupini

Former Content Contributor

Caroline Lupini always enjoyed traveling, but it became her goal to do as much as possible after a 3-week trip around Europe in 2011. In March 2014, Caroline left her job and embarked on nearly full-time travels. 

LEARN MORE
Charlie Page Picture

Charlie Page

Former Content Contributor

Charlie is a Senior First Officer and has been an airline pilot for nearly 15 years. He currently flies long-haul on the Boeing 787 Dreamliner after 10 years buzzing around Europe on the A320. He got into travel and aviation from an early age, fortunate enough to be taken on some great family holidays.

LEARN MORE
Chris Dong Picture

Chris Dong

Editor & Content Contributor

Chris is a freelance writer and editor with a focus on timely travel trends, points and miles, hot new hotels, and all things that go (he’s a proud aviation geek and transit nerd). Formerly full-time at The Points Guy, his work can now be found at AFAR, Travel + Leisure, Condé Nast Traveler, The Washington Post, and Lonely Planet, among others

LEARN MORE
Christine Krzyszton Picture

Christine Krzyszton

Senior Finance Contributor

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

LEARN MORE
Christy Rodriguez Picture

Christy Rodriguez

Travel & Finance Content Contributor

After having “non-rev” privileges with Southwest Airlines, Christy dove into the world of points and miles so she could continue traveling for free. Her other passion is personal finance, and is a certified CPA.

LEARN MORE
David Slotnick Picture

David Slotnick

Former Content Contributor

Born and raised in New York, David still remembers his first flight when he was only four years old: a U.S. Airways trip from New York-La Guardia to Palm Beach, Florida. He formed his love of travel around that and other family vacations, including to England at age eight and Namibia when he was 13. During college, a four-country trip around Europe with a friend cemented his passion for seeing the world.

LEARN MORE
Erin Miller Picture

Erin Miller

Content Contributor

An experienced points hacker, Erin is Alex’s partner-in-crime and contributes to Upgraded Points with in-depth guides and relationship management. Erin’s work has been cited in multiple major publications.

LEARN MORE
Jeff Brownson Picture

Jeff Brownson

Former Content Contributor

Since discovering miles and points in 2010, Jeff has traveled to over 35 countries, flying in first class, business class, and sometimes even in coach. Whether he’s staying in a hostel dorm, or in a luxury suite at a 5 star hotel, Jeff is constantly looking for the best deal to make travel as close to free as possible.

LEARN MORE
Katie Seemann Picture

Katie Seemann

Senior Content Contributor and News Editor

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

LEARN MORE
Kellie Jez Picture

Kellie Jez

Director of Operations & Compliance

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s compliance operation.

LEARN MORE
Lindsey Olander Picture

Lindsey Olander

Former Content Contributor

Currently based in New York, Lindsey spent her childhood in Connecticut dreaming of far-off places. Her first flight was to Disney World at age 11. Her second flight was for a high school field trip to Italy, though travel as a career didn’t stick until she studied abroad in London during college and discovered the true power of her passport. Since then, she’s worked as a travel editor at Jetsetter and Travel + Leisure, where she reported on everything from African safaris to hot hotel openings to, yes, Disney World.

LEARN MORE
Lori Zaino Picture

Lori Zaino

Senior Content Contributor

Lori is an intrepid traveler who loves creating itineraries that exude “luxe on a budget.” She’s written for CNN, NBC, The Infatuation, and more, and loves to muse about points-fueled trips to Sri Lanka, Sicily, and Myanmar.

LEARN MORE
Lukas Picton Picture

Lukas Picton

Former Content Contributor

Lukas escaped his hometown south of Sydney and moved to the big smoke immediately after high-school, but the bright lights of the city weren’t enough, and he soon set his sights on more exotic international destinations and has been in love with travel ever since.

LEARN MORE
Michael McHugh Picture

Michael McHugh

Former Content Contributor

Born and raised in Mobile, Alabama, Michael took his first international trip in 2013 with friends to the Bahamas. Although he didn’t travel much in his younger years, on that trip, he caught the travel bug and has been hooked ever since.

LEARN MORE
Ryan Smith Picture

Ryan Smith

Content Contributor

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

LEARN MORE
Spencer Howard Picture

Spencer Howard

Former Content Contributor

Always a fan of flying, it was only natural that Spencer was drawn to finding a way to improve the travel experience.

LEARN MORE
Stephen Au Picture

Stephen Au

Senior Content Contributor

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

LEARN MORE
Susan Wright Picture

Susan Wright

Former Finance Contributor

While writing about finance and insurance isn’t something that keeps most people awake at night, it is what Susan Wright has focused on for more than 25 years. As a financial copywriter, Susan has an eye for money-related details such as credit and savings, and she loves to pass along helpful information to consumers. Susan holds 11 financial industry designations (including CLU, ChFC, RHU, REBC, ADPA, CITRMS, CIPA) as well as several licenses.

LEARN MORE
Victoria M. Walker Picture

Victoria M. Walker

Senior Content Contributor

Victoria holds a B.A. in Broadcast Journalism from the Howard University School of Communications and is an award-winning journalist, travel reporter, and the founder of the “Carrying On with Victoria M. Walker” newsletter.

LEARN MORE
Cherag Dubash Picture

Cherag Dubash

Content Contributor

Cherag was born in a family associated with aviation and was hooked on to planes since the age of 3, the time he undertook his first flight on an Airbus A310 from Mumbai to Dubai.

LEARN MORE
Andrew Kunesh Picture

Andrew Kunesh

Former Content Contributor

Andrew was born and raised in the Chicago suburbs and now splits his time between Chicago and New York City.

LEARN MORE
Dan Miller Picture

Dan Miller

Content Contributor

Realizing that it wasn’t all first class flights and 5-star hotels, Dan started the Points With a Crew blog in 2014, with the aim of helping families (especially large families) to use miles, points and credit card rewards to take that trip that they might have thought they couldn’t afford. He has spent over 10 years covering developments in the travel rewards credit card space. His expertise extends to all things personal finance, including student loans, budgeting and real estate, and his work has been featured in sites all over the Internet, including NerdWallet, Forbes, Business Insider, Rocket Mortgage, CreditCards.com, Bankrate, Turbotax, Credit Karma and Intuit Mint.

LEARN MORE
Stella Shon Picture

Stella Shon

News Managing Editor

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in The New York Times, USA Today, and more.

LEARN MORE
Chris Hassan Picture

Chris Hassan

Social Media & Brand Manager

Chris holds a B.S. in Hospitality and Tourism Management and managed social media for all Marriott properties in South America, making him a perfect fit for UP and its social media channels. He has a passion for making content catered toward family travelers.

LEARN MORE
Michael Y. Park Picture

Michael Y. Park

Editor

Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and queen of Malaysia, tramped around organic farms in Cuba, ridden the world’s longest train through the Sahara, and choked down gasoline clams in North Korea.

LEARN MORE
Ehsan Haque Picture

Ehsan Haque

Content Contributor

Ehsan is an avid traveler who has traveled to 100 countries, diligently using points and miles to fund his journeys. Currently, he holds 32 active credit cards and earns over a million points and miles annually, primarily using them for luxury hotels and long-haul premium cabins.

LEARN MORE
James Larounis Picture

James Larounis

Senior Content Contributor

James (Jamie) started The Forward Cabin blog to educate readers about points, miles, and loyalty programs. He’s spoken at Princeton University and The New York Times Travel Show and has been quoted in dozens of travel publications.

LEARN MORE
Amar Hussain Picture

Amar Hussain

Senior Content Contributor

Amar is an avid traveler and tester of products. He has spent the last 13 years traveling all 7 continents and has put the products to the test on each of them. He has contributed to publications including Forbes, the Huffington Post, and more.

LEARN MORE
Julian Kheel Picture

Julian Kheel

Content Contributor

Julian Kheel first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. With over 15 years of professional experience studying travel loyalty programs, Julian has served as CNN’s Senior Editor covering travel and credit cards, as well as the Editorial Director of The Points Guy, and has worked as a consultant for the Big 3 U.S. airlines.

LEARN MORE
Brett Holzhauer Picture

Brett Holzhauer

Content Contributor

Brett is a personal finance and travel junkie. Based out of Fort Lauderdale, he’s had over 100 credit cards and earned millions of credit card rewards. He learned the tricks of the trade from his mom, and has taken many steps forward. He wasn’t exposed to much travel as a kid, but now has a goal of reaching 100 countries in his life. In 2019, he sold all of his possessions to become a digital nomad, and he says it was one of the best decisions he ever made. He plans to do it again at some point in his life.

LEARN MORE
Nick Ellis Picture

Nick Ellis

Editor & Content Contributor

Nick’s passion for points began as a hobby and became a career. He worked for over 5 years at The Points Guy and has contributed to Business Insider and CNN. He has 14 credit cards and continues to leverage the perks of each.

LEARN MORE
Jessica Merritt Picture

Jessica Merritt

Editor & Content Contributor

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

LEARN MORE
Keri Stooksbury Picture

Keri Stooksbury

Editor-in-Chief

With years of experience in corporate marketing and with a nonprofit, Keri is now Editor-in-Chief at UP, overseeing daily content operations and reviewing thousands of UP articles in the process.

LEARN MORE
Greg Stone Picture

Greg Stone

Content Contributor

Greg got bitten by the travel bug at a young age while traveling with his Dad on business trips to Asia. He took over the family business in 2012 and uses it to maximize his loyalty points earning. His obsession with earning and burning loyalty rewards points allows him to travel over 100 days every year.

LEARN MORE
Alex Miller Picture

Alex Miller

Founder & CEO

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

LEARN MORE
Senitra Horbrook Picture

Senitra Horbrook

Writer

Senitra Horbrook is a frequent solo traveler who began using points and miles in 2012. Formerly credit cards editor at The Points Guy, Senitra has also contributed to Forbes Advisor, AwardWallet, Insider, among others.

LEARN MORE
Jarrod West Picture

Jarrod West

Senior Content Contributor

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

LEARN MORE
Carissa Rawson Picture

Carissa Rawson

Senior Content Contributor

Carissa served in the U.S. Air Force where she developed her love for travel and new cultures. She started her own blog and eventually joined The Points Guy. Since then, she’s contributed to Business Insider, Forbes, and more.

LEARN MORE
Daniel Ross Picture

Daniel Ross

Senior Content Contributor

Daniel has loved aviation and travel his entire life. He earned a Master of Science in Air Transport Management and has written about travel and aviation in publications like Simple Flying, The Points Guy, and more.

LEARN MORE
DMCA.com Protection Status