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Jessica Merritt

Editor & Content Contributor

48 Published Articles

About Jessica Merritt

Jessica has studied points and miles for more than 5 years. She is a current contributor with U.S. News, covering credit cards and loans, and is the publication’s former personal finance managing editor. Passionate about supporting consumers, Jessica helps readers get the most value from their money, whether the currency is cash, points, or miles.

With a family of 5, Jessica’s travel these days consists mostly of short domestic getaways and camping trips. Some of her favorite destinations are Key West, Orlando, Denver, D.C., and points within the great state of Texas, though she’s always researching a new trip!

Jessica lives in the Houston area with her husband and 3 kids who are always ready to hit the road, and, if given the choice, would probably sleep in a hotel or at a campground full time.

Jessica holds a Bachelor of Arts in English from the University of Houston.

Countries Visited: 4
U.S. States Visited: 23
Highest Hotel Status: Hilton Honors Gold
Favorite Airline Alliance: No loyalty here!
Best Redemption Value: Nearly-free visits to Disney World for a family of 5, 2 years in a row!
Favorite Type of Points: Chase Ultimate Rewards
Top 3 Cards in Wallet: Chase Sapphire Reserve®, Hilton Honors American Express Surpass® Card, and American Express Cash Magnet® Card

Countries visited icon

Countries Visited

US states icon

U.S. States Visited

Hilton Honors Gold

Spirit Gold (yes, really)

No loyalty here!

None yet!

None yet here, either!

Nearly-free visits to Disney World for a family of 5, 2 years in a row!

Chase Ultimate Rewards

Jessica's Latest Articles

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Traveling? Understand Amex Platinum Card’s International Fees

If you’re about to embark on an international trip, take a moment to consider your credit cards. Some credit cards charge foreign transaction fees when you make a purchase in a foreign currency, which can add up quickly.  But there’s…

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Thousand Trails Yosemite Lakes [In-Depth Campground Review]

I stayed in a Thousand Trails Yosemite Lakes cottage in mid-August with my family. This campground was just outside of Yosemite National Park and was a great home base for exploring the park. We enjoyed the scenic campground, comfy cottage,…

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Last-Minute Travel Insurance: Your Safety Net for Short-Notice Trips

Planning a last-minute getaway, or just forgot to buy travel insurance? You can still protect your trip with last-minute travel insurance, which covers travel delays, emergency medical treatment, and more.  Travel insurance policies are generally available up to a day…

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Hilton Los Angeles/Universal City [In-Depth Hotel Review]

I stayed with my family at the Hilton Los Angeles/Universal City in August 2023. We chose this hotel for its proximity to Universal Studios Hollywood, and it delivered on that and more. Our 3 jam-packed nights at this hotel weren’t…

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Is Flight Insurance Worth It? Protect Your Trip and Your Wallet

Air travel can present unexpected circumstances, including cancellations, delays, missed connections, and lost or delayed baggage. At the same time, flights may be the most costly part of your trip budget. This can present a high-stakes scenario where you’ve spent…

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Does Travel Insurance Cover Cruise Excursions? [Comparisons and Exclusions]

A cruise can take you to exciting destinations with adventurous shore excursions, but no trip is immune to unexpected interruptions. Cancellations, delays, missed port calls, or illness can all interfere with your plans. But cruise excursion travel insurance can help…

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Smooth Sailing Ahead: Your Guide to Cruise Travel Insurance [2023]

Taking a cruise is one of the easiest ways to travel, but cruising isn’t immune to unexpected hiccups. Sudden illness, travel delays, or other unforeseen events could cancel or interrupt your cruising plans — you might even need medical coverage. …

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Maximize Coverage, Minimize Cost: The 4 Cheapest Travel Insurance Policies

If you’re trying to travel inexpensively, you might be hesitant to add the expense of travel insurance to your trip budget. But travel insurance — even low-cost travel insurance — can offer value far beyond its cost. With coverage for…

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Protect Your Travel Plans: Trip Cancellation Insurance Explained and the 5 Best Policies

You’ve booked your flight, hotel, and tours and are ready to go on your trip — but what happens if you can’t make it? Unexpected circumstances can pop up that force you to cancel your trip, such as illness or…

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Can I Buy Travel Insurance After Departure? [Costs, Coverage, and More]

The best time to buy travel insurance is shortly after you book your travel, but it’s still a good idea to buy travel insurance even if you’ve already started your trip. While your coverage and policy options will be more…

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When To Buy Travel Insurance and How To Best Time Your Purchase

Timing is key when buying travel insurance. It’s best to buy travel insurance within 2 weeks of making your first trip payment. You can buy travel insurance at any time, even after departure with some travel insurance providers. Still, the…

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Spirit Airlines Airbus A320 Economy Class Review [LAS to IAH]

Airline: Spirit AirlinesAircraft: Airbus A320Flight #: NK1679Route: Harry Reid International Airport (LAS) > George Bush Intercontinental Airport (IAH)Date: May 26, 2023Duration: 2hr 59minCabin and Layout: Spirit Airlines main cabin economy class; 178 standard seats and 8 Big Front Seats across 31…

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Travel Insurance With COVID-19 Coverage: Stay Safe and Protected

‌COVID-19 continues to add a layer of uncertainty to travel, especially international journeys. Travelers may be unsure how to travel protected from COVID-19 and navigate international vaccine, testing, and quarantine requirements. While most countries have dropped COVID-19 entry requirements, there’s…

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Travel Insurance 24/7 Hotlines [Understand Your Benefits]

Traveling can be exciting but also comes with uncertainties and risks. But if you’ve covered your trip with travel insurance, you’ve got a lifeline in your pocket: the travel insurance company’s 24-hour travel assistance hotline. Whether you’re just planning your…

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Why You Need Medical Insurance When Traveling Abroad

Traveling abroad can introduce you to new and thrilling experiences as you immerse yourself in diverse cultures and stunning landscapes. But you’re probably not prepared to explore the complexities of a foreign healthcare system. Medical emergencies can happen anytime, and…

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Is Travel Insurance Worth It? Here’s What You Should Know Before Your Next Trip

Travel can be an exciting and enriching experience, but it’s not without risks. Unforeseen events such as medical emergencies abroad or trip cancellations can disrupt your plans and leave you with financial losses. When things go wrong on your trip,…

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Best Travel Insurance for Winter, Adventure, and Extreme Sports

Planning an adventurous trip? Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities or winter or extreme sports.  Whether diving the ocean’s depths or ziplining through a forest, sports travel…

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Best Travel Insurance Policies With Cancel for Any Reason Coverage [2023]

Unexpected circumstances can disrupt even the best-laid travel plans, which is where Cancel for Any Reason (CFAR) travel insurance comes in. With CFAR travel insurance, you can cancel your trip for almost any reason and receive partial reimbursement for nonrefundable…

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Hilton Grand Vacations Club Elara Center Strip Las Vegas (In-Depth Review)

I visited Hilton Grand Vacations Club Elara Center Strip Las Vegas for 3 nights in May with my husband. We stayed at the hotel using a timeshare vacation package from Hilton Grand Vacations (HGV) and attended a presentation during our…

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What Are Interchange Rates? [And 10 Ways To Reduce Them]

Behind the scenes of every credit card transaction are processes and payment infrastructures that come with costs — and credit card networks charge businesses interchange fees for these costs. Credit card interchange rates affect every credit card payment you accept…

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Take Control of Credit Card Debt: Current Balance vs. Available Credit

When you log in to your credit card account, you’ll see your current balance and available credit. If you don’t understand what these numbers mean, you may get confused about what you’ve spent on your credit card — and what…

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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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Juan Ruiz

Compliance Editor & Content Contributor

Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in-Chief at Money Under 30.

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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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