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Ryan Smith Latest Posts

Former Senior Editor
Distance Traveled in 2025
Visited in 2025

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. In December 2023, he finished his goal of visiting every country and now plans to return to those that merit another visit.

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.

Can You Put Personal Spending on a Business Card? You Might Get This Email About It

Can You Put Personal Spending on a Business Card? You Might Get This Email About It
Ryan Smith
by Ryan Smith
May 11, 2024
6

We get this question a lot: "Can I put personal spending on a business credit card?" While I'm not aware of any law against it, and there's nothing physically stopping you from swiping that card, you might get an email like the one I received yesterday. It's asking about my charges and includes a ton of homework. I want to share it with you to help clarify the answer to this question.

Applying for the Venture X Business Card? You’ve Got One Less Benefit Now

Applying for the Venture X Business Card? You’ve Got One Less Benefit Now
Ryan Smith
by Ryan Smith
May 9, 2024
1

In "news you might've overlooked," Capital One recently announced one card moving from Visa to Mastercard and another moving from Mastercard to Visa. Mostly, that news doesn't matter for the average person. However, we wondered if some of the benefits might change, given that benefits are often tied to the type of card you're carrying (ex: Visa Infinite or World Elite Mastercard). We reached out to Capital One and now can confirm that this change will result in the loss of a benefit. It comes by way of Priority Pass restaurant access for Capital One Venture X Business applicants.

You Can Now Redeem El Al Matmid Points for Air France Flights, but You Shouldn’t

You Can Now Redeem El Al Matmid Points for Air France Flights, but You Shouldn’t
Ryan Smith
by Ryan Smith
March 15, 2024
0

We're generally fans of more options for using your points and miles. However, the title is likely a dead giveaway for how we feel about the ability to use your El Al Matmid points for Air France flights.This is a new redemption capability, coming online just recently. And while that seems exciting, the pricing will kill any original joy you felt when learning about this redemption option.

Complete Guide to American Airlines AAdvantage® Loyalty Points

Complete Guide to American Airlines AAdvantage® Loyalty Points
Ryan SmithTyler Glatt
by Ryan Smith and Tyler Glatt
March 10, 2024
8

If you're after American Airlines AAdvantage® elite status, you'll need to focus on one thing: Loyalty Points. In this comprehensive guide, we look at the many ways to earn Loyalty Points — what counts and what doesn't — to help you on your way toward AAdvantage elite status. Let's dig into the many ways to earn American Airlines Loyalty Points — and the ways that don't yield any elite status earnings.

The 5 Best Credit Cards With No Annual Fee and 0% Introductory APR

The 5 Best Credit Cards With No Annual Fee and 0% Introductory APR
Jess FarleyRyan Smith
by Jess Farley and Ryan Smith
March 21, 2025
67

Credit cards with a 0% introductory APR on purchases or balance transfers are a low-cost option for financing major purchases and offer an alternative to personal loans. But it’s essential to repay the balance on the card before the promotional interest rate expires. If not, you may wipe out any gains you’ve made. Which cards offer the best 0% introductory APR without charging an annual fee? Here are our favorites.