Ryan Smith

Senior Editor

Ryan is a writer and editor who first wrote for AwardWallet team in 2021 but has been around points and miles for several years. He has written at Forbes Advisor, CNBC Select, Miles to Memories, The Points Guy, and USA Today Blueprint.


After someone at his hostel in China said “I flew here for free using points,” Ryan was hooked. Ryan is on a mission to visit every country in the world and has less than 10 countries remaining. He will visit his final country in late 2023.


His wife joins him on many of his trips, and they enjoy snowboarding, diving, and seeing animals in the wild. When not traveling, Ryan is probably answering questions from his family about how he travels so much and whether all of this is illegal.

Access to a Free Weekly Credit Report Is Now Permanent

Your credit score is important, and the best way to protect it is regularly checking your credit report. While many services will happily charge you for this ability, there's no need to pay. In positive news, a once-temporary benefit to get your credit report each week is now permanent.

Back Again: Best-Ever $900 Bonus on No-Annual-Fee Ink Business Cards

Lightning truly does strike twice. Chase's best-ever sign-up bonus on the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card is back. New applicants for these no-annual-fee cards can earn a limited-time bonus of $900 cash back (delivered as 90K Ultimate Rewards points!) and take advantage of top-tier earning rates and perks.

American Express Adds “Family” Language to Delta Credit Card Rules

It hasn't been a quiet week for Delta, and there's another change sure to make people unhappy: the introduction of a "family" rule on American Express' Delta co-branded credit cards. American Express and Delta offer numerous credit cards, and we've had numerous questions over the years from people wondering whether it's possible to earn the welcome bonus on all of these cards. Until today, the answer was an easy "yes." Now, it's muddier.

Citi Dividend 5% Cash Back: New Q4 2023 Categories and How To Activate

Citi Dividend cardholders can activate their Q4 2023 quarterly bonus categories and earn 5% cash back, up to $300 cash back annually. From October to December 2023, you'll earn 5% cash back when using your card at grocery stores. In the meantime, you can still earn 5% back at gas stations and home improvement stores through the end of this month. Here's how to register and all of the details of how the Citi Dividend works.