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.

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.

Singapore Airlines Spontaneous Escapes: 30% Off Award Flights in October 2023

Singapore Spontaneous Escapes price-busting award bookings are back again! For flights in October, you can save 30% off KrisFlyer award bookings between the U.S. and England or Singapore, plus dozens more routes between Singapore and its many destinations. Book one-way award flights starting at just 5,950 KrisFlyer miles. However, you need to book by September 30, so act fast. Here are charts of all eligible routes this month.

Huge Delta Changes: More Difficult To Earn Medallion Status, Lounge Access Cuts

Rumors have been swirling for weeks that Delta Air Lines was going to massively overhaul its Medallion (Delta's elite status) program, with an expected announcement on September 14. The airline accidentally leaked the changes a day early. And the rumors were true: Delta is making sweeping changes to its Medallion program, lounge access, upgrade priority, Million Miler perks, and more. Here's what you need to know.