Ben Luthi is a freelance contributor to ona bet:Fortune Recommends and an award-winning personal finance writer who specializes in credit cards and rewards programs. Over the past de🥀cade, Ben has used dozens of credit cards to earn tens of thousands of dollars in travel and cash-back rewards. He began his writing career at NerdWallet covering credit cards and writing about student loans at Student Loan Hero, before becoming a full-time freelancer. He lives in Salt Lake City with his two kids and two cats.