Spencer Howard is a credit card loyalty program and travel rewards expert, and the founder of Straight To The Points, a leading resource for maximizing credit card points for luxury travel. With nearly a decade of experience in the travel writing industry, he has contributed to prominent outlets like Upgraded Points and The Points Guy, and served as editor in chief at 10xtravel.com. Featured in major publications such as Forbes and CNBC, Spencer believes everyone deserves to fly business class at least once. He has traveled to over 60 countries and resides in Washington, D.C., where he balances his passion for travel with family life as a proud father.