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Christine Krzyszton

Senior Finance Contributor

286 Published Articles

About Christine Krzyszton

Christine was born in Northern Michigan but spent most of her career operating her own business developing and managing insurance and financial services offices throughout the state. Her previous experience involved building and writing business plans in the mergers and acquisitions sector in New York, as well as staffing in the insurance and financial technology software field.

Her successful insurance and financial services career has been an excellent foundation from which to source her knowledge for many of Upgraded Points’ travel insurance articles.

Additionally, Christine has a collection of over 2 dozen current credit cards, including those issued by American Express, Chase, Citi, Discover, U.S. Bank, and previously Barclays and Capital One. Her goal is to learn every aspect of the cards’ attributes with a hands-on approach in order to translate that experience to her in-depth comparison and benefit articles. Beyond using the cards for earning and redeeming rewards, we won’t even mention the hours she spends reading each card’s Guide to Benefits.

Although Christine applies for cards on a consistent basis, she keeps a close watch on her credit score to maintain an excellent credit rating averaging between 820 to 840.

Her favorite use of points includes purchasing premium class fare tickets with The Business Platinum Card® from American Express to receive the 35% points rebate. Keeping a healthy balance of hundreds of thousands of points allows her to purchase several business class flights each year. She’s also a fan of the Chase Sapphire Reserve® which she uses to purchase bargain business class fares with Chase Ultimate Rewards points to receive 1.5 cents per point in value.

Christine now makes Northern Michigan her home, but she also travels over 200,000 miles each year, most of it internationally. She uses her miles to position to cities where deals can be found, preferably in business class, and uses rewards points to pay for the flights. She also uses her earned systemwide upgrades to fly in business and first class.

For over 10 years, Christine has been writing about her weekend travels, personal finance, and travel tips. She has been a contributor to various online travel blogs, a regional men’s magazine, travel newsletters and lifestyle blogs, and authored a book, “How To See the World in a Weekend,” about her weekend travels.

She has nearly 5 million flown miles, elite status on all 3 major domestic carriers, and is a 3-million miler with Delta Air Lines.

You can follow Christine on Twitter and LinkedIn.

Countries Visited: 98
U.S. States Visited: 45
Highest Hotel Status: Marriott Bonvoy Titanium Elite, Hilton Honors Diamond
Highest Airline Status: Delta SkyMiles Diamond Medallion
Favorite Airline Alliance: SkyTeam
Favorite First Class: Emirates First Class A380 Suite
Favorite Business Class: Delta One Suites
Best Redemption Value: Avios for short-haul flights
Favorite Type of Points: Chase Ultimate Rewards
Top 3 Cards in Wallet: Chase Sapphire Reserve®, The Business Platinum Card® from American Express, and Hilton Honors American Express Aspire Card

Countries visited icon

Countries Visited

US states icon

U.S. States Visited

Marriott Bonvoy Titanium Elite, Hilton Honors Diamond

Delta SkyMiles Diamond Medallion

SkyTeam

Emirates First Class A380 Suite

Delta One Suites

Avios for short-haul flights

Chase Ultimate Rewards

Christine's Latest Articles

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17 Benefits of the Amex Business Gold Credit Card [$8,000+ Value]

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Capital One Venture X Business Card vs. Capital One Spark Miles for Business [Detailed Comparison]

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Capital One VentureOne Card vs. Capital One QuicksilverOne Card [Detailed Comparison]

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Capital One Venture X Business Card vs. Capital One Venture X Card [Detailed Comparison]

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Amex Blue Cash Preferred Card vs. Citi Double Cash Card [Detailed Comparison]

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Amex Blue Cash Preferred Card vs. Amex Cash Magnet Card [Detailed Comparison]

Wouldn’t it be great if every daily purchase you made earned cash-back that could accumulate for use at a later date or to offset your monthly expenses? Having an everyday spending card is a solution that automatically ensures every purchase…

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Amex Blue Cash Preferred Card Benefits for Active-Duty U.S. Military Members [2023]

If you’re an active-duty military member looking for an everyday spending card, you’re going to want to keep reading. American Express is known for doing an excellent job of providing military benefits for active-duty cardholders. These military benefits, based on…

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Citi Credit Card Benefits for Active-Duty U.S. Military Members [2023]

You’ll find value in today’s article on Citi military benefits if you’re an active-duty military member holding a Citi credit card or a service member not on active duty who is considering one. Decades ago, laws were enacted to help…

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Citi Premier Credit Card Benefits for Active-Duty U.S. Military Members [2023]

If you’re an active-duty military member and have a Citi-issued credit card, you’ll find our article on taking advantage of Citi military benefits of high interest. Citi military benefits are based on the Servicemembers Civil Relief Act (SCRA) passed in…

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Amex Marriott Bonvoy Card Benefits for Active-Duty U.S. Military Members [2023]

American Express does an excellent job of providing card benefits for active-duty military members. Since American Express also issues some of the best travel rewards cards, the added perk of military benefits results in some excellent card choices for servicemembers….

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Chase Marriott Bonvoy Credit Card Benefits for Active-Duty U.S. Military Members [2023]

If you’re an active-duty military member who stays at Marriott properties, you’re going to find value in our guide to the benefits of Chase’s Marriott Bonvoy credit cards. Chase does a commendable job of providing military benefits on all of…

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Capital One Venture Card Benefits for Active-Duty U.S. Military Members [$2,900+]

If you’re a military service member looking for simplicity in a credit card, the timing of today’s article featuring the Capital One Venture Rewards Credit Card could be perfect. We’ll talk about all the features and benefits of the card,…

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Chase United Club Infinite Card Benefits for Active-Duty U.S. Military Members [$4,100+]

While military service involves sacrifice and commitment, it can also come with financial challenges. Fortunately, laws have been passed to help alleviate some of these challenges. The Servicemembers Civil Relief Act of 2003 (SCRA) and the Military Lending Act of…

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Chase Southwest Credit Card Benefits for Active-Duty U.S. Military Members [$2,400+]

As a service member, you face challenges balancing duty, home life, and the associated financial challenges — and we appreciate that. These financial challenges have also been recognized and addressed with the passing of the Servicemembers Civil Relief Act of…

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Amex Platinum Military Benefits for Active Duty Members – $695 Fee Not Charged [October 2023]

If you’re currently serving on active duty in the military or have served, we salute you. Serving in the military brings with it major responsibilities, associated family sacrifices, and even financial challenges. The financial challenges of military families, specifically, came…

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Chase World of Hyatt Card Benefits for Active-duty U.S. Military Members [$2,000+]

Our military members make occupational sacrifices while facing unique challenges in their personal lives. Trying to balance the challenges of duty, home life, and commitment can also be supplemented by the financial challenges of military service. The financial challenges have…

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Chase Freedom Unlimited Card Benefits for Active-duty U.S. Military Members [$1,700+]

The sacrifices made by those who serve in the military are significant. In addition to these sacrifices are the practical challenges of balancing duty, home, and commitment. One of the less-obvious challenges may be the potential financial burden. Years ago,…

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Hilton Reykjavik Nordica Hotel in Iceland [In-depth Review]

It’s no secret that I enjoy returning to Iceland. I keep going back as I haven’t even scratched the surface of places to see and activities to experience in the country. I’m fortunate enough to have stayed at several hotels…

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Iceland Parliament Hotel, Curio Collection by Hilton in Reykjavik [In-depth Review]

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Chase Freedom Student Card vs. Freedom Unlimited [Detailed Comparison]

Starting on your own usually means you’ll be responsible for most, if not all, of your finances. Managing your finances can include applying for a credit card — hopefully, one that earns rewards. The Chase Freedom® Student Credit Card and…

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Chase Freedom Unlimited Card vs. Prime Visa Card [Detailed Comparison]

A cash-back card can be a great choice for a starter credit card — especially one that doesn’t charge an annual fee. Plus, cash-back is one of the most liquid forms of rewards you can earn. The 2 cash-back cards…

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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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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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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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