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Christine Krzyszton

Senior Finance Contributor

305 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.

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Countries Visited

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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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Ink Business Preferred Card vs. Chase Sapphire Preferred Card [Detailed Comparison]

Ink Business Preferred Card vs. Chase Sapphire Preferred Card [Detailed Comparison]

Today’s card comparison is a must-read if you’re deciding between a premium Chase business card or securing a Chase personal travel rewards card. The Ink Business Preferred® Credit Card and the Chase Sapphire Preferred® Card offer tremendous value. Small business…

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Hilton Surpass Card vs. Hilton Aspire Card [Detailed Comparison]

Hilton Surpass Card vs. Hilton Aspire Card [Detailed Comparison]

If Hilton is your hotel brand of choice, you’ll be interested in today’s card comparison. It’s well-known that a hotel-branded credit card can help you earn free hotel nights faster, make your hotel stays more comfortable, and provide valuable travel…

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Hilton Surpass Card vs. Hilton Honors Card [Detailed Comparison]

Hilton Surpass Card vs. Hilton Honors Card [Detailed Comparison]

If you’re a Hilton brand loyalist or stay at Hilton properties even a few times a year, you’ve probably considered a Hilton-branded credit card. Opting for elevated earnings on Hilton stays and everyday purchases is a smart decision. You’ll build…

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The 10 Best Credit Cards for eBay Purchases [2024]

The 10 Best Credit Cards for eBay Purchases [2024]

You can buy nearly anything on eBay, one of the world’s largest marketplaces. You can also shop confidently on the site as it is one of the world’s oldest, having an online presence since 1995. If you shop frequently on…

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Hilton Surpass Card vs. Marriott Boundless Card [Detailed Comparison]

Hilton Surpass Card vs. Marriott Boundless Card [Detailed Comparison]

There are many benefits to having a hotel-branded credit card. Card benefits can enhance your brand experience with elevated rewards earning, hotel loyalty program elite status, and preferred redemption options. Today’s article will particularly interest those who frequent the Hilton…

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Chase Sapphire Preferred Card vs. Hilton Surpass Card [Detailed Comparison]

Chase Sapphire Preferred Card vs. Hilton Surpass Card [Detailed Comparison]

If you enjoy traveling but hate spending a fortune, securing a rewards-earning credit card to help offset travel expenses is a logical consideration. Whether you’re looking to cover the cost of flights, lodging, or even experiences, a travel rewards card…

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Chase Sapphire Preferred Card vs. Marriott Bonvoy Brilliant Card [Detailed Comparison]

Chase Sapphire Preferred Card vs. Marriott Bonvoy Brilliant Card [Detailed Comparison]

If you frequent a specific hotel chain, you may have struggled to select a hotel-branded credit card or a travel rewards card. Each option has a case to be made. Select a travel rewards card and earn flexible rewards that…

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Amex Platinum Card vs. Apple Card [Detailed Comparison]

Amex Platinum Card vs. Apple Card [Detailed Comparison]

There is an endless collection of rewards-earning cards at your disposal. A key objective to keep in mind during your search for the perfect card is earning well on the purchases you spend the most on. Beyond that, redemption options…

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Amex Platinum Card vs. Bank of America Premium Rewards Card [Detailed Comparison]

Amex Platinum Card vs. Bank of America Premium Rewards Card [Detailed Comparison]

Selecting a personal travel rewards card is well — personal. We all have different spending habits and a tolerance for how large an annual fee we’re comfortable paying. Plus, our goals may differ depending on how we utilize our rewards….

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Amex Gold Card vs. Wells Fargo Autograph Card [2024]

Amex Gold Card vs. Wells Fargo Autograph Card [2024]

A key foundation of a points and miles lifestyle is having an everyday spending card that earns rewards on common purchases. With that foundation in place, every purchase you make will earn valuable rewards. Selecting a card that will match…

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Amex Gold Card vs. Bank of America Premium Rewards Card [Detailed Comparison]

Amex Gold Card vs. Bank of America Premium Rewards Card [Detailed Comparison]

We’re big fans of earning rewards not just on major purchases but also on regular purchases such as dining and groceries. Those everyday purchases add up, and so do the associated rewards. To maximize earning rewards on frequent purchases, you’ll…

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

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

Whether it’s your daily coffee, a work lunch, or purchases at the grocery store and gas station, using a card (whether debit or credit) has become the norm over using cash. For this reason, using an everyday spending card that…

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Amex Green Card vs. Delta Gold Card [Detailed Comparison]

Amex Green Card vs. Delta Gold Card [Detailed Comparison]

If you’re a frequent Delta Air Lines flyer, you’ve probably considered the airline’s co-branded credit cards. It makes sense to earn miles you can use, plus receive Delta-related flight benefits. While a Delta-branded card is certainly logical, today we’re going…

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The Best Credit Cards for Airport Lounge Access [2024]

The Best Credit Cards for Airport Lounge Access [2024]

If you’re a frequent traveler, consider a premium credit card that offers complimentary airport lounge access. Beyond the lounge access you’d get with these cards, you’d receive a whole range of travel benefits. Premium credit cards offer generous welcome bonus…

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Amex Gold Card vs. Hilton Surpass Card [Detailed Comparison]

Amex Gold Card vs. Hilton Surpass Card [Detailed Comparison]

It can be challenging to find an everyday card that does it all. Earning rewards on your most frequent and greatest purchases is a definite priority, and so is having access to redemption options that fit your travel goals. Whether…

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

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

Your business is starting to grow and you’ve decided to secure a business card. But which one? It’s not a trivial question to ask yourself — the right business card can be an important step to separate personal expenses from business…

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

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

The savvy business owner typically understands the value of having the right business credit card. That said, finding the right business card can take considerable effort. With the prospect of so many business cards from which to select, we’ve taken…

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Amex Green Card vs. Freedom Unlimited Card [Detailed Comparison]

Amex Green Card vs. Freedom Unlimited Card [Detailed Comparison]

If you’re not quite ready to take on the high annual fee typically required of a premium travel rewards card yet want to start earning flexible travel rewards, you’ll find today’s card comparison appropriate. We’ve selected 2 solid rewards-earning cards…

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

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

Having the right business card for your operation can add value to your business’s bottom line. And while earning rewards on every purchase your business makes is a key benefit, there are other benefits to having a business credit card…

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Amex Platinum Cards: Marriott Bonvoy Hotel Elite Status Benefits [2023]

Amex Platinum Cards: Marriott Bonvoy Hotel Elite Status Benefits [2023]

It’s no secret that signing up for a hotel loyalty program can deliver tangible benefits that can make your hotel stays more comfortable, save you money, and help you earn free hotel nights faster. Entry-level benefits can include complimentary Wi-Fi,…

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

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

Selecting the right business card can add bottom-line economic value to your business, help organize your expenses, and provide benefits that make your professional life easier. The Capital One Venture X Business Card (information collected independently and not reviewed by…

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Dan Miller

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Realizing that it wasn’t all first class flights and 5-star hotels, Dan started the Points With a Crew blog in 2014, with the aim of helping families (especially large families) to use miles, points and credit card rewards to take that trip that they might have thought they couldn’t afford. He has spent over 10 years covering developments in the travel rewards credit card space. His expertise extends to all things personal finance, including student loans, budgeting and real estate, and his work has been featured in sites all over the Internet, including NerdWallet, Forbes, Business Insider, Rocket Mortgage, CreditCards.com, Bankrate, Turbotax, Credit Karma and Intuit Mint.

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Lori Zaino

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Content Contributor

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Content Contributor

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Amar Hussain

Senior Content Contributor

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Ehsan Haque

Content Contributor

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Victoria M. Walker

Senior Content Contributor

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Nick Ellis

Editor & Content Contributor

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Jessica Merritt

Editor & Content Contributor

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Juan Ruiz

Senior Editor & Content Contributor

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Michael Y. Park

Editor

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