JT is a freelance writer who has written about credit cards and points & miles since 2015. He published over 2,000 articles on The Points Guy and can now be found writing for ValuePenguin, NerdWallet, Forbes Advisor and AwardWallet. Since June 2017, JT and his wife have traveled full-time as digital nomads — using points, miles and credit card benefits to drastically reduce the cost of living on the road.