Toni Perkins-Southam

Community Organizer

Toni joined the AwardWallet team in 2017 as a moderator for AwardTravel 101, the original Facebook points and miles community. Now she helps run the group in addition to writing for AwardWallet.


She is an award travel enthusiast who has been leveraging credit card rewards to travel around the world, for nearly free, with her husband and their four young children. Toni and her kids have spent the last several summers living in Europe, Central and South America and have encountered countless adventures throughout their travels.


Her passion is to inspire other big families by showing and teaching them that traveling with kids is not only logistically possible, but financially feasible for even the smallest of budgets.

Citi Dividend 5% Cash Back: Eligible Categories and How to Activate

Citi Dividend cardholders can now activate the Q4 2022 quarterly bonus categories and earn 5% cash back, up to $300 yearly. From October through December 2022, you’ll earn 5% cashback when using your card at restaurants and select travel. In the meantime, you can still earn 5% at drugstores and grocery stores through June 30, 2022. Here’s how to register and all of the details of how the Citi Dividend works.

Current Status Match Opportunities with Hotel Programs

The only thing better than award travel is award travel with elite status. When you hold elite status with a brand, you can enjoy huge money-saving perks, ranging from free room upgrades to bonus earnings on every dollar you spend. Here are all the status matching opportunities currently available with hotel programs.

All of the Cards that Earn Chase Ultimate Rewards Points

Multiple credit cards earn Ultimate Rewards points—the bank points issued by Chase bank. Here’s a look at the numerous cards that can earn these points, including the pros and cons of each and how the cards compare. With this information, you can plan your earning strategy to build an arsenal of Ultimate Rewards points.