Clint Proctor is a lead editor with the credit cards and travel rewards team at Forbes Advisor. He has five years of experience in personal finance journalism and has contributed to a variety of ...

Rajeev Dhir is a writer with 10+ years of experience as a journalist with a background in broadcast, print, and digital newsrooms. Vikki Velasquez is a researcher and writer who has managed, ...

Forbes contributors publish independent expert analyses and insights. Judy Koutsky covers adventure, luxury and family travel. In recent years, points travel has evolved from a niche hobby for ...