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Christine Krzyszton

Senior Finance Contributor

278 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.

Countries Visited: 98
U.S. States Visited: 45
Highest Hotel Status: Marriott Bonvoy Titanium Elite, Hilton Honors Diamond
Highest Airline Status: Delta SkyMiles Diamond Medallion
Favorite Airline Alliance: SkyTeam
Favorite First Class: Emirates First Class A380 Suite
Favorite Business Class: Delta One Suites
Best Redemption Value: Avios for short-haul flights
Favorite Type of Points: Chase Ultimate Rewards
Top 3 Cards in Wallet: Chase Sapphire Reserve®, The Business Platinum Card® from American Express, and Hilton Honors American Express Aspire Card

Countries visited icon

Countries Visited

US states icon

U.S. States Visited

Marriott Bonvoy Titanium Elite, Hilton Honors Diamond

Delta SkyMiles Diamond Medallion


Emirates First Class A380 Suite

Delta One Suites

Avios for short-haul flights

Chase Ultimate Rewards

Christine's Latest Articles

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Amex Marriott Bonvoy Card Benefits for Active-Duty U.S. Military Members [2023]

American Express does an excellent job of providing card benefits for active-duty military members. Since American Express also issues some of the best travel rewards cards, the added perk of military benefits results in some excellent card choices for servicemembers….

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Chase Marriott Bonvoy Credit Card Benefits for Active-Duty U.S. Military Members [2023]

If you’re an active-duty military member who stays at Marriott properties, you’re going to find value in our guide to the benefits of Chase’s Marriott Bonvoy credit cards. Chase does a commendable job of providing military benefits on all of…

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Capital One Venture Card Benefits for Active-Duty U.S. Military Members [$2,900+]

If you’re a military service member looking for simplicity in a credit card, the timing of today’s article featuring the Capital One Venture Rewards Credit Card could be perfect. We’ll talk about all the features and benefits of the card,…

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Chase United Club Infinite Card Benefits for Active-Duty U.S. Military Members [$4,100+]

While military service involves sacrifice and commitment, it can also come with financial challenges. Fortunately, laws have been passed to help alleviate some of these challenges. The Servicemembers Civil Relief Act of 2003 (SCRA) and the Military Lending Act of…

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Chase Southwest Credit Card Benefits for Active-Duty U.S. Military Members [$2,400+]

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Amex Platinum Military Benefits for Active-duty U.S. Members – $695 Fee Waived [August 2023]

If you’re currently serving on active duty in the military or have served, we salute you. Serving in the military brings with it major responsibilities, associated family sacrifices, and even financial challenges. The financial challenges of military families, specifically, came…

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Chase World of Hyatt Card Benefits for Active-duty U.S. Military Members [$2,000+]

Our military members make occupational sacrifices while facing unique challenges in their personal lives. Trying to balance the challenges of duty, home life, and commitment can also be supplemented by the financial challenges of military service. The financial challenges have…

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Chase Freedom Unlimited Card Benefits for Active-duty U.S. Military Members [$1,700+]

The sacrifices made by those who serve in the military are significant. In addition to these sacrifices are the practical challenges of balancing duty, home, and commitment. One of the less-obvious challenges may be the potential financial burden. Years ago,…

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Hilton Reykjavik Nordica Hotel in Iceland [In-depth Review]

It’s no secret that I enjoy returning to Iceland. I keep going back as I haven’t even scratched the surface of places to see and activities to experience in the country. I’m fortunate enough to have stayed at several hotels…

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Iceland Parliament Hotel, Curio Collection by Hilton in Reykjavik [In-depth Review]

Hilton has a strong presence in Reykjavik, the relatively small capital city of Iceland, and I’ve had the pleasure of staying at 2 of the 4 Hilton properties there. My favorite time to visit Iceland is the first part of…

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Chase Freedom Student Card vs. Freedom Unlimited [Detailed Comparison]

Starting on your own usually means you’ll be responsible for most, if not all, of your finances. Managing your finances can include applying for a credit card — hopefully, one that earns rewards. The Chase Freedom® Student Credit Card and…

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Chase Freedom Unlimited Card vs. Amazon Prime Visa Card [Detailed Comparison]

A cash-back card can be a great choice for a starter credit card — especially one that doesn’t charge an annual fee. Plus, cash-back is one of the most liquid forms of rewards you can earn. The 2 cash-back cards…

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Amex Premium Protection for Car Rentals — Is It Worth It?

If you commonly rent a vehicle during your travels, chances are you’ve depended on the complimentary car rental insurance on your credit card. Or, perhaps you’ve felt better protected paying the per-day charge for the protection offered by the car…

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Clarion Hotel Copenhagen Airport in Kastrup, Denmark [In-depth Review]

I’ve heard the accolades of upscale accommodations and the good value that can be had when booking select Choice Hotel properties in Scandinavian countries. It wasn’t until a friend recommended I stay at the Clarion Hotel Copenhagen Airport on a…

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Chase Sapphire Preferred Card vs. Amazon Prime Visa Card [Detailed Comparison]

If you’re looking for a Visa credit card that can be used anywhere, you’ll find an endless selection of available cards. If you’re a frequent traveler or an avid shopper, the field of desirable options could narrow quickly. You…

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Freedom Unlimited Card vs. Wells Fargo Active Cash Card [Detailed Comparison]

Having a card in your wallet that earns unlimited cash-back on every purchase can take the thought out of which card to use for your next daily purchase. If that card has no annual fee, it can be an even…

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Chase Freedom Unlimited vs. Capital One Venture Rewards Credit Card [Detailed Comparison]

Having a rewarding credit card to pay for purchases made on a daily basis makes economic sense, especially if you’ll be getting a return on what you buy. Today, we’ll be looking at 2 popular cards with simple earning structures…

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Marriott Bonvoy Travel Insurance Review — Is It Worth It?

We’ve all become more aware of the need for purchasing travel insurance over the past few years. Even if you haven’t actually purchased coverage, chances are you’ve checked out the cost of adding it to your flight, hotel, cruise, or…

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Chase Freedom Unlimited vs. Chase Slate Edge [Detailed Comparison]

If you’re just starting out and looking for a credit card that you can keep in your wallet indefinitely, you’ll be up for today’s card comparison. We’re going to talk about 2 interesting cards — both issued by Chase —…

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Ink Business Premier Card vs. Amex Business Gold Card [Detailed Comparison]

Regardless of the size of your business, managing business finances with the help of a business credit card can be a prudent move to make. A business credit card keeps personal and business expenses separated, organizes expenditures by category, helps…

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A Simplified Guide To Buying an Around the World Ticket [2023]

A lifelong fantasy for many travelers is to leave their everyday existence behind and take a trip around the world. Even if you’re fortunate enough to have an extended amount of free time to circumnavigate the world, putting together a…

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Find out about other members of the team

Andrew Kunesh

Former Content Contributor

Andrew was born and raised in the Chicago suburbs and now splits his time between Chicago and New York City.

He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt. Andrew formerly worked for The Points Guy and is now Senior Money Editor at CNN Underscored.

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