Think Business With Jon Dwoskin

Spencer Howard is a credit card loyalty program and travel rewards expert. He's also the founder of Straight To The Points – the go-to resource for individuals looking to demystify credit card points so they can experience traveling in luxury for business or pleasure (and occasionally, both!). After helping family and friends understand credit card points for years, he launched STTP in 2017 and has been offering members complimentary and premium content through his Award Alert newsletters ever since (he is up to 21K members as of now!). It's the place to get the most up-to-date information on everything from First and Business Class alerts on flights, to tutorials on how to effectively book and secure flights using credit card points. Having worked in the travel writing industry for nearly a decade, Spencer thrived as a contributing writer with multiple travel media outlets such as Upgraded Points, One Mile At A Time, God Save The Points and The Points Guy. For four years, he excelled as editor in chief at