Toni Perkins-Southam
Former Staff Editor
About
Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about sharing travel tips so that others can not only feel inspired but also confident in planning their own travel.
Toni Perkins-Southam is a former lead editor for credit cards and travel rewards at Forbes Advisor. Her fascination with points and miles began when she and her husband realized that, following a trip to Europe, family travel would be a financial challenge. She was introduced to points and miles and delved into loyalty programs. Over the past 12 years, she has taken her family of six to over 20 countries for various vacations and extended summer stays worldwide.
Toni has also adventured as a solo parent, exploring the world with just her kids. Her mission is to inspire other parents to pursue their family travel dreams with confidence.
Expertise
- Adventure seeker
- Credit building and repair
- Everything points and miles
- Long-term family travel
- Maximizing credit card rewards
- Solo parent travel/traveling with kids
Achievements
- Over 12 years of using points and miles to travel around the world with my family
- For nearly five years, managed an online community dedicated to educating individuals on optimizing travel through points and miles
- Backpacked through the Andes mountains of Peru at seven months pregnant
- Overcame a lifelong fear of flying and is eager to help others conquer their fear
- Spoke at various points and miles conferences and special events
Other Publications
- 6 Colorful Getaways Where You Can Make Your Own Wes Anderson Movie
- 8 Haunted Hotels You Can Book With Points
- Travel Hacking Side Hustle Ideas With Toni Perkins-Southam
Education
Arizona State University, Bachelor of Arts in History
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Delta SkyMiles Blue Credit Card Review 2025
For anyone who flies Delta a few times a year and is opposed to fees, the (Terms apply, see ) offers one of the only ways to earn Delta SkyMiles from spending without an annual fee. However, don’t expect much... -
What Credit Score Is Needed For A Bank Of America Card?
From business executives looking for travel perks to students wanting to cover college expenses, Bank of America offers cards for various customers. As one of the largest banks in the U.S., Bank of America has cards without annual fees and... -
What Is A Student Credit Card?
College students who plan to buy a place to live or start a business after they graduate should consider using student credit cards to help make those dreams a reality. With student loan debt and historically high mortgage rates interfering... -
Best No-Annual-Fee Business Credit Cards Of 2025
Running a business comes with a myriad of expenses, but credit card annual fees don’t have to be one of them. While premium business cards tout flashy perks, you’ll find no-annual-fee cards that deliver solid rewards, useful features and spending... -
Amazon Visa Credit Card Review 2025
If you like to shop at Amazon but haven’t yet sprung for a Prime membership, the can help you quickly earn rewards to apply toward future Amazon purchases or other redemptions. The card’s top earnings rates aren’t the best you... -
Best Credit Cards For Emergencies In 2025
For emergency expenses, few financial tools match the convenience of a credit card. A credit card can help you cover costs you weren’t prepared for—like a surprise car repair, medical bill or travel for a funeral. Since emergencies often mean... -
Costco Anywhere Visa Card By Citi Review 2025
The could stand on its own as a solid cash-back credit card. With bonus rewards in popular shopping categories and Costco purchases, and no annual fee with a paid Costco membership, the card is ideal for purchasing essentials. However, there... -
Capital One Spark Miles Select Credit Card Review 2025
Business owners seeking a card with no annual fee and easy-to-manage travel rewards have good reason to be fired up about the . Redemptions are simple, and the card comes with an attractive welcome bonus and plenty of money-saving extras. -
Best Cash-Back Business Credit Cards Of 2025
Running a business can mean expenses from stocking up on supplies, traveling for work or covering operations. But with the right credit card, those costs can turn into cash rewards. To find the best cash-back business credit cards, we looked... -
Best Business Credit Cards For LLCs Of 2025
Business credit cards can be a golden ticket to unlocking extra cash flow, building business credit and turning accounting chaos into a smooth ride. Whether you’re looking for a low APR, no annual fee or awesome rewards, the best business... -
Best Business Gas Cards Of 2025
Gassing up your car can gobble a big chunk of your business budget. The best business gas cards can help you save money on zooming around town or trucking across the country. Our team test-drove the data to compare over... -
BankAmeriDeals—Everything You Need To Know
Most of us focus on the points, miles or cash back earned from purchases. However, there’s another way to save that doesn’t get as much attention. Many credit card issuers provide merchant offers that cardholders can take advantage of to... -
Best Credit Cards Of November 2025
While no single credit card is the best option for every family, purchase or budget, the experts on our credit cards team set out to crunch the numbers to find the top cards for various needs. We gathered more than... -
Bank Of America Business Advantage Customized Cash Rewards Card Review 2025
The is an excellent cash-back small business credit card that offers small business owners generous rewards in various categories. This card is best in class for small business owners with an existing banking relationship with Bank of America or Merrill... -
Best Cash-Back Business Credit Cards Of 2025
Running a business can mean expenses from stocking up on supplies, traveling for work or covering operations. But with the right credit card, those costs can turn into cash rewards. To find the best cash-back business credit cards, we looked... -
Bank of America Business Advantage Travel Rewards World Mastercard Review 2025
With solid travel-related benefits and no foreign transaction fees, the is truly oriented toward going places. It’s a good option for those seeking a business credit card for travel with a annual fee. -
Bank Of America Unlimited Cash Rewards Credit Card Review 2025
The is best for Bank of America customers who have reached the lofty Platinum Honors Tier ($100,000-plus in combined deposits with Bank of America and Merrill) since, for them, the card’s mediocre 1.5% cash back on all purchases gets amplified... -
What Are The Benefits Of A Business Credit Card?
While money can’t solve all your problems, it can certainly give you an advantage. Businesses with access to enough money or capital can cover their needs, make smart investment decisions and respond effectively to changing market conditions. How do you... -
Bank Of America Travel Rewards Credit Card For Students Review 2025
The may appeal to students who long to travel. With no annual fee, no foreign transaction fees and solid flat-rate earnings, the card provides many of the benefits of a postgrad’s credit card in a made-for-students package. Just know you’ll... -
Bank Of America Business Advantage Unlimited Cash Rewards Credit Card Review 2025
The offers a little bit of nearly everything for no annual fee: Earn , an intro APR offer, $0 fraud liability, travel perks and purchase protections. The card even offers a welcome bonus: Earn a . -
Best Credit Cards For Nonprofits Of 2025
Nonprofits have the same access to credit cards as for-profit businesses, making it easier to handle recurring expenses, online purchases and employee travel. To help organizations find the right fit, we’ve compiled the best credit cards for nonprofits and outlined... -
Best Credit Cards For Low-Income Earners Of 2025
Some of the most-touted credit cards require high income for approval and high spending to make their benefits worthwhile. If you have a lower income, these credit cards may not make sense for your budget. The best credit cards for... -
Bank Of America Customized Cash Rewards Credit Card Review 2025
The fits nicely in the wallet of Bank of America® or Merrill® customers who are also Preferred Rewards program members. Cardholders can earn up to 5.25% cash back on select spending (not applied to the 3% first-year bonus). The card... -
Do You Need To Put Travel Alerts On Your Credit Cards?
No one wants to start their vacation dealing with their credit card company. However, if you aren’t savvy, you may be greeted at your destination by the word “declined.” If you notify your credit card company about your travels with... -
What You Need To Know About Contactless Payments
The way we store, access and spend our money has changed significantly over the years. Currency was once backed by precious metals. Then came the rise of fiat currencies, issued by governments and without direct commodity backing. Credit and credit... -
Statement Balance Vs. Current Balance: The Difference And Why It Matters
Whether you’re a first-time credit card user or you’ve been using plastic for everyday purchases all your adult life, managing your credit card responsibly is crucial. Paying your bill on time each month will save you headaches and unnecessary costs—which... -
Best 5% Cash-Back Cards (Or More) Of 2025
When it comes to supercharging your rewards game, earning 5% cash back is hard to beat. Some cards wow you with rates this high—or higher—but only on super specific purchases. The key is finding a 5% cash-back card that aligns... -
Best 3% Cash-Back Credit Cards Of 2025
Earning cash back on your everyday purchases adds up—and the higher the earnings rate, the faster you’ll reap the rewards. Whether you're stocking up on groceries, filling your gas tank or streaming your favorite shows, opting for a 3% cash-back... -
Best Looking Credit Cards Of 2025
How a card looks can be the first thing you notice, and the fact is, some cards simply have more attractive designs. Looks alone are a terrible way to choose the right card, so we narrowed down our credit card...
About
Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about sharing travel tips so that others can not only feel inspired but also confident in planning their own travel.