Ray
Founder & Editor, BonusBoarding
Ray is the founder of BonusBoarding. He writes practical, no-fluff guides on US credit cards, points, miles, and travel rewards — sharing the strategies he uses to earn and redeem rewards for maximum value, with a special eye for newcomers building credit in the US.
Background & expertise
Ray has spent years deep in the US credit card and travel rewards world — opening and optimizing cards across Chase, American Express, Capital One, Citi, Wells Fargo, and Discover, and earning and redeeming points through the major transferable currencies (Ultimate Rewards, Membership Rewards, Capital One miles, Citi ThankYou) as well as airline and hotel programs like Hyatt, Marriott, Hilton, United, Delta, American, and Alaska.
That hands-on experience is the backbone of BonusBoarding. The strategies on this site — meeting minimum spend without overspending, deciding whether a premium card's annual fee earns its keep, finding outsized award redemptions, and building US credit from scratch — are the same ones Ray uses and refines in practice.
What Ray writes about
- Credit card reviews and head-to-head comparisons
- Maximizing welcome bonuses and everyday earning
- Points & miles strategy, transfer partners, and high-value redemptions
- Airline and hotel loyalty programs
- Building and improving US credit, including guides for newcomers and immigrants
Editorial approach
Ray's writing is deliberately people-first: plain language, honest trade-offs, specific numbers, and a willingness to say when something isn't worth it. Recommendations are independent and never influenced by advertiser or affiliate relationships — see our Editorial Standards and Affiliate Disclosure for how that works in practice.
Contact
You can reach Ray and the BonusBoarding team at [email protected] — questions, corrections, and topic ideas are all welcome.