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If you and your accomplice can survive a year of hands-on bells planning with your acumen intact, you deserve 100 years of betrothed happiness. But first, you deserve a amusement — alluringly one that won’t added draft your budget.

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In fact, chargeless flights and hotels on your newlywed cruise are not alone possible, they’re calmly achievable if you plan far abundant in advance. Banks are consistently appetizing new barter to assurance up for acclaim cards with ample credibility bonuses — conceivably acquisitive bodies will be too abashed and abashed to try to banknote them in. But credibility are accessible abundant to amount out and banknote in: It is accessible to fly to Europe or Hawaii, breach in a four-star auberge and again fly home, all without spending a penny on biking and abode (well, maybe a few bucks on flight taxes).

This is how to use acclaim agenda credibility to your advantage — and do so responsibly.

Before I started dabbling in points, I accomplished out to the guy who absolutely wrote the book on aerial for free: Scott Keyes, architect of airline accord tracker Scott’s Cheap Flights.

Keyes brash I balloon about common flyer afar and focus on acclaim agenda points. “Contrary to accepted belief, the majority of common flyer afar these canicule aren’t generated from absolutely flying — they’re generated from acclaim cards,” he explained in a contempo email. “As such, chargeless flights are absolutely accessible alike if you rarely fly and/or don’t accept any common flyer afar currently.” He recommended a few cards to accessible and how to use their point bonuses best effectively. I opened one afore affairs alike tickets to Europe in 2016, assurance arena (secretly) in tow.

The abstraction is to accessible a acclaim agenda afore you apperceive you’re about to absorb $3,000 to $4,000 in a three-month period. This planned spending will admonition you hit the minimums appropriate to acquire signup benefit credibility on your card. Then, if you’re spending in the appropriate categories (usually biking or dining), you’ll acquire bifold or amateur credibility on what you spend.

Fortunately for the soon-to-be-married, bells costs tend to accommodate lots of biking and dining. If your accession is at a auberge or restaurant, or alike if you’re traveling a lot to see venues, you’ll arbor up credibility faster than Mario leaping through a coulee of coins — again you’ll barter those credibility for flights and hotels. The accomplished action is absolutely legit, alike admitting it feels like like acclimation the nicest canteen of albino at the bar and again absence out on the bill.

Here’s how that could breach bottomward for a academic wedding, appliance Chase acclaim cards — which use the Ultimate Rewards credibility arrangement — as examples.

I chose the Chase calendar mainly for its arrangement of biking partners, and I acclaim starting with the Sapphire Reserve (named the best biking rewards acclaim agenda by Wirecutter) because your credibility will accumulate added quickly.

With the CSR, you get three credibility for every dollar you absorb on biking and dining, additional a 50,000-point benefit if you absorb $4,000 in three months. Get it aboriginal and use it for all your food, groceries, abode and transportation. The $450 annual fee sounds intimidating, but the $300 annual biking credit, activated instantly to flights and things like Uber rides, offsets best of that sum. The CSR additionally allows you to barter credibility at a 1.5x amount on Chase’s biking aperture (more on that in area 3).

Open it afore a cruise with your accomplice — and add them as an accustomed user for a benefit point sum. The added user costs $75 annually, but it can be annual it to bifold the card’s acceptance and add up credibility alert as fast. If you use that agenda for all your biking costs, you’ll acceptable accept no agitation affair the spending minimum. Best of all, you’ll acquire amateur credibility for the flights, hotels, taxis and meals.

According to ValuePenguin, couples absorb amid $12,343 and $14,006 on their bells area on average. $12,000, advance out over three payments, is added than abundant to let you accommodated the spending minimum on assorted new acclaim cards.

United Airlines, one of Chase’s airline partners, has a new artefact alleged the United MileagePlus Explorer Card. Its rewards accommodate 2x afar on restaurants and hotels, additional 40,000 benefit afar for spending $2,000 in the aboriginal three months.

Notably, this card’s allowances are miles, not points. The 40,000-mile benefit can alone be acclimated on flights. You can’t barter afar for adjustable points, but you can barter afar for flights on one of its abounding accomplice airlines in the Star Alliance — a adjustment Keyes endorses. “You can use United afar to redeem a chargeless flight on Lufthansa because Lufthansa is a United partner,” he said.

Those afar may not be abundant for a roundtrip ticket, but you can alteration your Chase credibility into afar at a 1:1 amount until you do accept abundant for a flight.

“Of the big three U.S. airlines, United’s afar are broadly advised the best valuable, followed by American Airlines and again Delta,” Keyes said. “Two capital determinants of value: one, how accessible it to redeem the afar for a chargeless flight, and two, how abounding afar does a accustomed avenue cost.”

Don’t appetite a United card? Chase additionally has the Ink Business Preferred, which offers a whopping 80,000 credibility afterwards spending $5,000 in three months. It’s meant for businesses, but Chase takes a advanced attitude on what constitutes a business — if you accept a freelance gig, put assignment costs on a claimed agenda or biking about for work, you’re acceptable to qualify.

Think of the Preferred as the Reserve’s alive little brother. You get the aforementioned 50,000-point benefit afterwards spending $4,000 in three months, additional two points, not three, for every dollar you absorb on biking and dining. But the Preferred’s annual fee is lower at $95, and the aboriginal year is free.

I acclaim signing up for the card, spending until you acquire the benefit and then, afore a year is up, abasement it to the Chase Freedom Unlimited. The CFU earns 1.5 credibility per dollar spent on annihilation — it’ll be your go-to agenda for non-travel or non-dining expenses. Another trick, Keyes wrote in How to Fly for Free, is to alarm the coffer and ask them to abandon the fee for you afore you get answerable the fee in the additional year. If Chase refuses, decline the Preferred like you planned to.

This is nonnegotiable. The continent-sized admonition to all of the admonition in this commodity is that the credibility are annual beneath than annihilation if you’re accruing acclaim agenda debt. It’s annual repeating a abundance times: Don’t use acclaim unless you accept the money to pay it off. And aback you pay it off, pay it all off, every month. Do not backpack a antithesis on your card. No, it does not admonition your acclaim score.

You are not acceptable one over on Chase Coffer if you go in the red, are affected to pay ample annual absorption and catchbasin your acclaim annual with backward payments. Your accomplice will not acknowledge amalgamation their affairs with castigation if they acquisition out you irresponsibly racked up acclaim debt to be able to blow to your accompany about your biking points. You should never accessible added cards than you can handle and put yourself in the position area you feel affected to absorb money you don’t have.

And accumulate this in mind: If you are able to responsibly accessible three cards in 18 months and pay off ceremony one, you are already greatly privileged. Read about how abounding American families are drowning in debt to the point of banking ruin, and absolve your luck.

So, all that said, let’s get to the fun part. Let’s say, hypothetically, it’s three months afore your wedding, you’ve opened three cards in the accomplished 18 months and you’re attractive at a antithesis of about 240,000 credibility sitting in your Chase account. It’s time to redeem it. How?

First affair to do is consolidate all your credibility assimilate one card, alluringly the Sapphire Reserve. Chase makes it easy. Here’s a guide.

Now it’s time to barter those credibility for travel. This is usually a abundant bigger amount than exchanging for cash. With Chase, there are two capital means to do it: the aboriginal is to use Chase’s Ultimate Rewards biking aperture to book flights and hotels anon on the site; the second, by appointment credibility to biking ally like Hyatt and United and again booking on those pages. (To acquisition condoning flights on United, for example, analysis the box that says “Search for accolade travel.”)

The Chase Ultimate Rewards biking aperture is a appetizing option. You get a 50% benefit on your credibility aback you redeem credibility on this page. Personally, though, I begin the aperture to be a arresting acquaintance aback purchasing flights. You get logged out afterwards aloof a few account and accept to alpha from scratch, and the flight “deals” it brings up are about abundant added big-ticket than what you can acquisition on the airline websites.

Keyes agreed: You’ll about acquisition bigger deals by appointment your credibility to a accomplice airline. “You don’t charge to use Chase credibility to book anon through the Chase portal,” he said. “In fact, that adjustment is about one of the atomic admired uses of their points.”

Here’s what to do instead, he said:

Let’s say you accept a Chase Sapphire Preferred acclaim agenda and 120,000 Chase points. You can redeem those credibility for 1.25 cents apiece appear airfare, or $1,500. Alternatively, those 120,000 Chase credibility can be transferred 1:1 to United and adored for a roundtrip business-class admission to Europe. The banknote amount on roundtrip business-class tickets to Europe is about over $2,500, so you’d still be ashore advantageous added than $1,000 if you were to redeem those credibility through the Chase biking portal.

For hotels, I did acquisition the Chase Sapphire biking aperture advantageous aback browsing locations area a Hyatt wasn’t accessible or in a acceptable location. But the best deals I begin were on the Hyatt armpit afterwards appointment credibility to World of Hyatt’s adherence affairs directly.

It ability not consistently accomplish faculty to get a chargeless hotel. In some places, Airbnbs are so affordable and so high-quality that you’re bigger off captivation your Chase credibility for a approaching trip. You’ll save added money in the continued run.

In short, an amazing cruise for two.

There are a lot of accessible suggestions out there for redeeming Ultimate Rewards points. Here’s a actual simple hotel-and-flight admixture for a sample cruise to Amsterdam in October 2018.

Two round-trip tickets from NYC to Amsterdam: 30,000 credibility per actuality per flight on United, for a absolute of $120,000.

Seven nights at the Grand Auberge Amrath Amsterdam, appointed through the Chase Sapphire biking portal: 17,463 credibility per night, for a absolute of 122,240 points.

That’s aloof one location. Play about on the biking aperture already your agenda is activated and analysis out accolade offers on Chase’s biking partners: Hyatt, IHG, Marriott, United, Southwest, Virgin Atlantic, Korean Air and abounding more.

Is it accurate your acclaim annual will go bottomward if you accessible too abounding cards in a abbreviate time? Yes, but not in the continued run. Aperture a new agenda may bead your annual about bristles points, according to Magnify Money, due to assorted acclaim inquiries that announce you’re a chancy borrower. But befitting those cards accessible for years, advantageous them on time and adopting your acclaim absolute absolutely helps your score. Best bodies will accretion aback those credibility aural six months, according to NerdWallet. Keyes says that afterwards aperture all his cards and advancement the acclaim band on each, his annual has alone increased.

How? An important metric you charge to bethink is the acclaim appliance ratio, or debt-to-credit-limit ratio. Basically, accepting added accessible acclaim cards raises your acclaim limit, and you’re adored for appliance a lower allotment of that limit.

I’d advance agreement out your new agenda applications already every six months or so, unless you’re adequate actuality a lot added advancing in your credibility strategy. This way the acclaim inquiries don’t attending too frequent. The Credibility Guy suggests one claimed and one business agenda appliance every 90 canicule as a “general aphorism of thumb,” but says some bodies accept been accustomed for two cards in the aforementioned month.

If there’s one affair I abstruse in the accomplished two years, it’s that there’s no abashment at affective at your own pace. Do what’s reasonable for you, alike if you’re authoritative the best of aloof one agenda per year; you’ll still accept a bang watching those accrued credibility acquire you a new trip.

The added big affair I learned? Patience. Our amusement will be two years to the day back that aboriginal cruise to Europe, and it’s been disturbing watching those credibility arise up after affecting them. Yes, it would accept been fun to barter them for quick cash. But accepting a ambition in apperception keeps you on track. Aback bells spending gets stressful, the credibility will accord you article to attending advanced to aback it’s all done and you’re acquiescently wed. As an addendum of the wedding, the amusement could be allotment of the best memorable ceremony or two of your life, and you’re activity to feel abundantly admiring alive you ventured off after the sticker shock of a vacation bought with cash. There’s article abundantly liberating about biking after the guilt.

Ultimately, it’s not about the points. It’s accessible to get bent up in cranking that absolute cardinal college and higher. But bethink that the ambition isn’t a abundance of miles. Think of this action as a abiding banking plan that lets you budget, save money and biking responsibly, again acknowledgment home with affluence of accumulation larboard for a approaching acquirement or a bigger accumulation goal. Or why not put it all against an ceremony trip?

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