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Juan Ruiz

Compliance Editor & Content Contributor

35 Published Articles

About Juan Ruiz

Juan has been writing and editing stories about credit cards, loyalty programs, travel, and personal finance for over 10 years. In addition to working and contributing to a number of outlets, including The Points Guy, Forbes, Business Insider, CNN, and Credit Karma as well as participating in the Geobreeze Travel Podcast and Positively Dad show — Juan was recently the editor-in-chief at Money Under 30 where he led a team of personal finance journalists. He is also an adjunct professor at Florida International University and a licensed real estate agent.

Juan’s insatiable case of wanderlust began in elementary school, with his parents sending him as a solo traveler to Bogota, Colombia in order to spend summers with his grandma and extended family. Today, Juan has visited 40 countries, including studying abroad in Australia. Some of his favorite places include Tokyo, Uruguay, Paris, and Rio de Janeiro.

Juan, his wife Stephanie, and 3 daughters live in Fort Lauderdale, 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: 40
U.S. States Visited: 27
Highest Hotel Status: World of Hyatt Globalist, Hilton Honors Diamond
Highest Airline Status: American AAdvantage Gold, JetBlue Mosaic
Favorite Airline Alliance: Oneworld
Favorite Business Class: Qatar Qsuite
Favorite First Class: Singapore First Class Suite
Best Redemption Value: Cathay Pacific long-haul business class for 4 at 50,000 Alaska miles per person. Cash value? $35,000!
Favorite Type of Points: Chase Ultimate Rewards
Top 3 Cards in Wallet: American Express® Gold Card, Chase Sapphire Preferred® Card, The Business Platinum Card® from American Express

 

Countries visited icon

Countries Visited

US states icon

U.S. States Visited

World of Hyatt Globalist, Hilton Honors Diamond

American AAdvantage Gold, JetBlue Mosaic

Oneworld

Singapore First Class Suite

Qatar Qsuite

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

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Select Chase Cards Targeted for a Limited-Time 5x to 10x Spending Bonus

Chase’s newest targeted offers allow you to earn 5x to 10x points at gas stations, grocery stores, and Amazon on up to $1,000 in combined spend from October 1, 2023, through December 31, 2023, on select co-branded cards. Chase has…

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Dining at Centurion New York: A Peek Into Amex’s Exclusive Members-Only Club

I planned a trip to New York in late August to cover the U.S. Open and all of the great activations that American Express and other card issuers and travel companies were putting on. In light of my visit to…

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6 Benefits of the Amex Business Platinum Card I’ve Used for the First Time This Year

The Business Platinum Card® from American Express is widely regarded as the most benefit-laden business card in the industry. Cardmembers enjoy a wide range of attractive perks and benefits, including airport lounge access, hotel elite status, and a variety of…

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Why the Ink Business Cash Card Is Essential to My Point-Earning Strategy

I’ve had the Ink Business Cash® Credit Card in my wallet for more than a decade, and it’s still a vital part of how I earn travel rewards. It was also the first business card I opened in 2012 to…

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Andaz Macau Opens as Brand’s Largest Property Worldwide

Hyatt has recently opened its first and largest Andaz hotel in Macau, continuing the brand’s growth. Let’s take a look at all the details. Andaz Macau Has More Than 700 Rooms The Andaz Macau provides a variety of accommodations with…

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Disney’s Grand Floridian Resort & Spa [In-Depth Review]

Since I live in South Florida and have young children, my family often treks north to Orlando for the weekend. These trips allow us to visit different theme parks and dive into the magical world of Disney. I’ve had the…

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Save Up to 15% On Hyatt Stays During Football Season

Football season has officially arrived, and fans are eager to watch their favorite team on the big screen or at a stadium near them. In addition, Hyatt is honoring the start of the football season by offering travelers savings from…

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JW Marriott Miami Turnberry Resort & Spa [In-Depth Hotel Review]

While contemplating the perfect way to celebrate my twin daughters’ birthday during the blistering summer in South Florida, I decided to plan a fun weekend for them that would not just leave them with lasting memories but also serve as a respite from…

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UP Takes the U.S. Open: Exclusive Benefits for Cardholders and Tennis Fans

For tennis fans, witnessing the U.S. Open Tennis Championships is akin to the feeling football and baseball fans get if they have the chance to go to the Super Bowl or the World Series. More commonly known as the U.S….

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[Expired] Earn 1,000 Miles Through This Promotion From Delta and Starbucks

Update:The offer mentioned below has expired and is no longer available. Delta and Starbucks have announced a new limited-time promotion through which you can earn 1,000 bonus Delta SkyMiles when making purchases at Starbucks. This is excellent news if you like to earn…

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Hilton Santa Marta in Colombia [In-Depth Hotel Review]

The majority of foreign first-time visitors to Colombia are drawn to the charming colonial city of Cartagena, located on the country’s Caribbean coast. While Cartagena has a lot to offer visitors with its colorful walled city, world-class restaurants, bustling nightlife,…

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The Ritz-Carlton Key Biscayne, Miami [In-depth Review]

Key Biscayne is a 5-mile-long barrier island paradise just minutes from downtown Miami. You’ll leave the mainland behind as you journey over the stunning Rickenbacker Causeway to Key Biscayne where you’ll find sandy beaches, nature preserves, and restaurants with amazing views….

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[Expired] Book Flights From 14,000 Points With Virgin Atlantic’s 30% Off Award Sale

Virgin Atlantic is offering another sale through which where you can book an award flight and save 30% off the number of Virgin Points required on select routes through September 30, 2023. There are a few restrictions to be aware…

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[Expired] Transfer Citi ThankYou Points to Cathay Pacific With a 15% Bonus

Update:The offer mentioned below has expired and is no longer available. If you have Citi ThankYou Points and want to get the most out of them, there’s a deal worth considering. Right now, you can receive a 15% bonus when…

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[Expired] New 25,000-Point Welcome Bonus Offer for Citi Rewards+ Card

Update:The offer mentioned below has expired and is no longer available. While the Citi Rewards+® Card isn’t as well-known as some other travel rewards cards, it’s a great choice for customers who want to rack up valuable ThankYou Points without…

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Grosvenor House, a Luxury Collection Hotel, Dubai [In-depth Review]

As a first-time traveler to Dubai, I decided to poll all of my friends who had traveled extensively for their input on the best neighborhood in Dubai to use as a home base from which to explore the city, as…

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New Hyatt Studios Brand Debuts For Extended-stay Travelers

Hyatt has announced plans to launch a new extended-stay brand called Hyatt Studios. Sitting somewhere in the middle of full-service and limited-service hotels, the Hyatt Studios brand will join the likes of existing Hyatt Place, Hyatt House, and Caption by…

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I Rarely Fly British Airways — Here’s Why Avios Are Still My Favorite for Award Travel

I haven’t flown with British Airways in over a decade. Not a single flight on the U.K.’s flag carrier. However, this doesn’t mean that BA’s loyalty program hasn’t won my heart. This is because the British Airways Executive Club (the…

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The Final Four: How Points and Miles Got My Daughter and Me There

If you’ve been reading Upgraded Points for a while, you’re probably already aware of how passionate we are about travel rewards. With points and miles, you can get amazing things like first class flights and top-notch hotels. This makes luxury…

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[Expired] Save €100 on Round-trip Fares With Aegean’s Latest Promotion

Update:The offer mentioned below has expired and is no longer available. Greek carrier Aegean Airlines is offering an attractive sale where you can save up to €100 (~$108 USD) on round-trip flights from Greece to all international destinations served by…

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Frontier Expands From Atlanta and Dallas-Fort Worth This Summer

The ultra-low-cost carrier Frontier Airlines has announced the launch of 3 new routes departing from Hartsfield-Jackson Atlanta International Airport (ATL), in addition to resuming 2 routes that had been previously discontinued. In addition to these new services, Frontier Airlines plans on making…

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Find out about other members of the team

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.

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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.

He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt. Andrew formerly worked for The Points Guy and is now Senior Money Editor at CNN Underscored.

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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.

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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.

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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.

It wasn’t until Brian relocated to Dallas, TX, and moved in with an American Airlines employee that he truly discovered how incredible travel could be.

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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.

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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. 

As a frequent traveler, frequent flyer miles have played a large role in planning her trips. Caroline has enjoyed discovering the ins and outs of how to maximize different types of miles, hotel points, and transferable points currencies.

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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.

His earliest memory of visiting a flight deck was aged 8 and it was from then on that he was determined to become an airline pilot.

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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.

Based in Abu Dhabi, the London City University graduate is regularly seen on Instagram, travelling over 100K miles each year in First and Business Class while holding down a regular job.

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Chris Dong

Editor

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, Washington Post, and Lonely Planet, among others

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Chris Hassan

Social Media & Marketing 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.

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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.

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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.

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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.

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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.

David is currently Senior Aviation Business Reporter and a photographer at The Points Guy.

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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.

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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.

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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.

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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.

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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.

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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.

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Katie Seemann

Senior Content Contributor

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 and Forbes Advisor.

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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.

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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.

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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.

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Lori Zaino

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.

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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.

Coupled with his passion for photography, Lukas is constantly seeking out new places to visit, and ways to get that elusive ‘perfect shot’ whilst on his adventures and as a result is ranked in the top 2% of global travelers by App in the Air.

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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.

Michael first caught wind of the points and miles game in 2014 while at a bar in Washington, DC where the conversation amongst friends was quickly derailed because of an alert on a friend’s phone about a mistake fare.  That’s where the love affair with points and miles began.

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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.

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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.

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Ryan Smith

Content Contributor

Ryan has been on a quest to visit every country in the world and plans to hit his final country in 2023. 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.

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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.

Like many, he started this journey searching for cheap flights to take him around the world. This was fun for a while, but Spencer was intrigued by the idea of flying in business and first class!

Throwing himself into what became an extensive research project, Spencer spent 3-4 hours per night learning everything he could about frequent flyer miles over the course of several months (he thinks this is normal). He runs Straight to the Points, an award-seat alert platform.

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Stella Shon

Compliance Editor & Content Contributor

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.

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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.

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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.

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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.

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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 “Travel With Vikkie” newsletter.

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