Juan Ruiz is the former credit cards editor at The Points Guy where he managed credit card content and other points and miles features. When he’s not dissecting credit card products, Juan is maximizing his points and miles for premium travel with his family.
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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.