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<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>Lee Huffman | Fortune</title><meta name="msapplication-TileColor" content="#ffc40d"/><meta name="theme-color" content="#FFFFFF"/><meta name="description" content="Lee Huffman is a freelance contributor to Fortune Recommends who spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full-time. Lee has been writing about early retirement, credit cards, travel, insurance, and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less, and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation. 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Lee has been writing about early retirement, credit cards, travel, insurance, and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less, and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.</p>\n","sameAs":["https://www.linkedin.com/in/leerhuffman/","https://twitter.com/leerhuffman"]}}</script><script>window.dataLayer = window.dataLayer || []</script><link rel="dns-prefetch" href="https://c.amazon-adsystem.com"/><link rel="preconnect" href="https://c.amazon-adsystem.com" crossorigin=""/><script async="" src="https://c.amazon-adsystem.com/aax2/apstag.js"></script><meta name="next-head-count" content="34"/><link rel="preload" href="/_next/static/media/a63f776f9c0a0ec4-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/53119eeb5d808e5d-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/f349898cee58fa09-s.p.woff2" as="font" type="font/woff2" 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0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/lee-huffman-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/12/lee-huffman-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/12/lee-huffman-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/12/lee-huffman-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/12/lee-huffman-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/12/lee-huffman-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/12/lee-huffman-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/12/lee-huffman-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/lee-huffman-headshot.jpeg?w=1440&q=75"/></div><div class="sc-e7a39763-3 cxkDEF"><p>Lee Huffman <span style="font-weight:400"> is a freelance contributor to <a href="https://fortune.com/about-recommends/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/about-recommends/">Fortune Recommends</a> who</span> spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full-time. Lee has been writing about early retirement, credit cards, travel, insurance, and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less, and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.</p></div></div><div class="sc-e7a39763-4 kKbFUH"><ul class="social-list"><a href="https://twitter.com/leerhuffman" target="_self" class="sc-93594058-0 fowfrQ social "><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg>@leerhuffman</a><a href="https://www.linkedin.com/in/leerhuffman/" target="_self" class="sc-93594058-0 fowfrQ social "><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg>Lee Huffman</a></ul></div></div><div class="articles"><div class="sc-a5726df2-0 nDfnQ"><section data-cy="articleList" class="termArchiveContentList"><li class="sc-e3c4bc02-0 dvEGRk"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Citi custom cash credit card over a blue background with orange abstract shapes." loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="(max-width: 768px) 100vw, 450px" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/09/Recommends_Citi_Custom_Cash_CC_Review.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/09/Recommends_Citi_Custom_Cash_CC_Review.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/09/Recommends_Citi_Custom_Cash_CC_Review.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/09/Recommends_Citi_Custom_Cash_CC_Review.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/09/Recommends_Citi_Custom_Cash_CC_Review.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/09/Recommends_Citi_Custom_Cash_CC_Review.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/09/Recommends_Citi_Custom_Cash_CC_Review.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/09/Recommends_Citi_Custom_Cash_CC_Review.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/09/Recommends_Citi_Custom_Cash_CC_Review.jpg?w=1440&q=75"/><span class="sc-2f1a523b-2 loCKQg link-wrapper"><a href="https://fortune.com/recommends/credit-cards/" target="_self" class="sc-93594058-0 bDVrCz section-link styled-custom-link " data-cy="postEyebrow" aria-label="Go to article's section Credit Cards">Credit Cards</a></span><h2 class="sc-e3c4bc02-2 jVKXyH title-link-wrapper"><a href="https://fortune.com/recommends/credit-cards/citi-custom-cash-card-review/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article Citi Custom Cash庐 Card Review: Automatically earn up to 5% on the eligible category where you spend the most">Citi Custom Cash庐 Card Review: Automatically earn up to 5% on the eligible category where you spend the most</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf 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Huffman</a></span></div></div></div></li><li class="sc-e3c4bc02-0 dvEGRk"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Photo of US Bank Business Platinum Card on a blue abstract background" loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' 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The plane belongs to Southwest Airlines. The plane shows winglets, small attachments to the wingtips which reduce drag and improve fuel efficiency. 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September 19: A Southwest Airlines airplane takes off on the runway, as ongoing maintenance construction takes place on existing runways and taxiways at Ontario International Airport in Ontario on Tuesday, Sept. 19, 2023. Ontario International Airport secured nearly $16 million in federal funding for essential runway upgrades. (Photo by Watchara Phomicinda/MediaNews Group/The Press-Enterprise via Getty Images)" loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="(max-width: 768px) 100vw, 450px" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1683459864-e1707245143194.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1683459864-e1707245143194.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1683459864-e1707245143194.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1683459864-e1707245143194.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1683459864-e1707245143194.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1683459864-e1707245143194.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1683459864-e1707245143194.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1683459864-e1707245143194.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1683459864-e1707245143194.jpg?w=1440&q=75"/><span class="sc-2f1a523b-2 loCKQg link-wrapper"><a href="https://fortune.com/recommends/credit-cards/" target="_self" class="sc-93594058-0 bDVrCz section-link styled-custom-link " data-cy="postEyebrow" aria-label="Go to article's section Credit Cards">Credit Cards</a></span><h2 class="sc-e3c4bc02-2 jVKXyH title-link-wrapper"><a href="https://fortune.com/recommends/credit-cards/chase-southwest-cards-companion-pass-offer/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article Last day! 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