Stop the FOMO: Here's How to Use Points & Miles to Book Europe Next Year

Stop the FOMO: Here's How to Use Points & Miles to Book Europe Next Year

Deep into summer, the travel envy is real 😅 Your feed is flooded with friends sipping wine in Santorini and wandering cobblestone streets in Rome. If that's you, here's the good news: now is the perfect time to start planning your own European adventure for next year — using points and miles.

So where do you start? Let's break it down.

The 4 Types of Points & Miles You Need to Know

Not all points are created equal. Here's a quick rundown:

1. Airline Miles ✈️
The most familiar of the bunch. Fly with an airline, earn loyalty miles. Many airlines belong to alliances or partnerships, meaning you can fly one carrier and credit the miles to another. You can also rack up miles faster by opening an airline-branded credit card that earns miles on everyday purchases. Once you hit the threshold, redeem them for a free flight or cabin upgrade directly through the airline. Simple enough.

2. Hotel Points 🏨
Same concept, different category. Stay at a hotel, earn loyalty points. Add a hotel-branded credit card to the mix and you'll earn even faster. Stack up enough and you're looking at free nights.

3. Flexible Points 💳
Here's where it gets interesting. These are earned through bank-branded credit cards — think Chase, Capital One, Amex, and Citi — and they're not locked into one airline or hotel. Instead, they can be transferred to more than a dozen different travel partners, giving you serious options. You can also spend them directly in the bank's travel portal on flights, hotels, car rentals, activities, and even cruises. One important note: use them before you cancel the card or they disappear.

4. The Others: Bilt, Rove & Rakuten 🛍️
Bilt functions like flexible bank points, but you earn them by paying rent — yes, really. Rove and Rakuten are shopping portals that layer bonus points on top of your regular credit card earnings when you shop online. Think of them as a rewards multiplier for purchases you're already making. Use my Rove referral link and get 500 points when you sign up. Use my Rakuten referral link and get $50 when you spend $50. 

Why Flexible Points Win

Here's a real example that says it all. A client came to me with nearly two million American Airlines miles — which sounds incredible, and we did manage to book business class flights for her whole family. But when it came to hotels? She had to pay cash 💸

If those had been flexible points instead, we could have covered both the flights and luxury hotels entirely on points.

That's the power of flexibility.

Our Favorite Card Right Now 👑

Now that you understand the difference, you'll have a whole new appreciation for the Chase Sapphire Preferred's current 100,000-point welcome bonus. Those are Chase Ultimate Rewards — flexible points that transfer to dozens of airlines and hotels, including the best sweet spots like Avios, Flying Blue, and World of Hyatt.

The card runs just $95 a year, and a new $100 hotel credit effectively knocks that down to $5 back into your pocket. For what you get in return, that's a no-brainer.

👉 Ready to start earning? Read more about the Chase Sapphire Preferred here — and if you decide to apply, we'd love it if you use our referral link!

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can pay a travel planning fee and we will find all the best points and miles deals for your trip! 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

💸 Did You Know Southwest May Be Hiding Discount Codes in Your Account?

💸 Did You Know Southwest May Be Hiding Discount Codes in Your Account?

Yep — there may be promo codes sitting in your Southwest Airlines account right now, just waiting to be used. We're talking up to 30% off published fares, whether you're paying cash or points. 🤩

Here's how to find them:

Log in to your Southwest account, head to My Account (in the app or on the website), scroll to the bottom, and look for "My Promo Codes" or "Promo Codes." That's it!

Every code is a little different — some are valid for just one flight, others work on multiple bookings. Discounts can range from 10% to 30% off, so it's absolutely worth a quick check before you book anything.

⚠️ Pro tip: Always check for promo codes before you book. Already have a flight reserved? No problem — you can rebook using the code and then cancel your original flight. Just make sure you secure the new booking first before canceling anything. Better safe than sorry!

🃏 Also: Big Southwest Card Offers Ending Soon

If you've been thinking about picking up a Southwest personal credit card, now is the time to move. The elevated welcome offers on all three personal cards are disappearing on July 1, 2026 — and these deals have been known to get pulled before the deadline, so don't sit on this one. Check out the full details here

The Cards & Current Offers

Southwest Plus — $99/year

• 80,000 bonus points
• $1,000 minimum spend in 3 months
• 1 free checked bag
• Standard seat selection within 48 hours of boarding
• 2x points at gas stations & grocery stores | 1x everywhere else
• 3,000 anniversary points

Southwest Premier — $149/year

• 85,000 bonus points
• $2,000 minimum spend in 3 months
• 1 free checked bag
• Preferred seat selection within 48 hours of boarding
• 2x points at grocery stores & restaurants | 1x everywhere else
• 6,000 anniversary points

Southwest Priority— $229/year

• 90,000 bonus points
• $3,000 minimum spend in 3 months
• 1 free checked bag
• Complimentary preferred seat at booking (no waiting!)
• 2x points at restaurants & gas stations | 1x everywhere else
• 7,500 anniversary points

Any one of these cards paired with a Southwest business credit card gets you enough points to earn the Companion Pass — valid for the rest of 2026 and all of 2027. That means a designated travel companion flies with you for free (just paying taxes and fees) on every flight you book during that window. The value adds up fast.

Before You Apply — Check These Two Things ✅

• You must not have received a Southwest card bonus in the past 24 months
• You can only hold one Southwest personal card at a time

Both rules are firm, so double-check before you apply.

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can pay a travel planning fee and we will find all the best points and miles deals for your trip! 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

Wow! Another Huge 100,000 Bonus Offer From Chase

Wow! The huge bonus offers just keep coming! Chase announced an amazing 100,000 bonus offer on its Chase Ink Business Preferred credit card. 

What are 100,000 CUR points worth? If you use them in the portal, they are worth $1,000. But we show people how to use those points to increase their value up to more than $2,000. You can read here how I used CUR points to take my family to Europe. 

Here's the offer 

• 100,000 Chase Ultimate Reward points
• $8,000 minimum spend in three months 
• $95 annual fee 
• 3x points on select business purchases such as travel, shipping, internet, cable, phone and advertising

Watch the fine print here, if you have EVER had this credit card before you may not be eligible for the bonus. 

This is also a business credit card, but many side hustles qualify as businesses. You can read here about how to determine if your business will qualify. 

If you decide to apply for the Ink Preferred credit card, please use my referral link. 

Want more personal help using points and miles for almost FREE travel? We have three different options to choose from:

• Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 
• Or you can book a consulting call with us for just $100. 
• Or you can hire us to plan your entire trip using points and miles! 

I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

Why airline loyalty limits your travel options

Met with a new client today to talk about booking a dream Europe trip using points and miles. ✈️ Here's the exciting part — they're sitting on more than one million miles! 🎉

The catch? Every single one of those miles is with American Airlines, which significantly narrows the options.

Here's what we found when searching available business class seats to Europe on the American Airlines site: prices ranged from 57,500 to a jaw-dropping 443,000 miles each way. 😬 Those lower-end seats often came with two stops and limited availability, while the best flights were sitting at the top of that range. Not ideal.

This is the reality of putting all your eggs in one airline's basket. When you're locked into a single carrier, you're at the mercy of whatever they decide to offer — and the sweet spots can be few and far between.

The good news? There's a smarter way to build your points stash. 💡 Flexible points currencies like Chase Ultimate Rewards, Citi ThankYou, American Express Membership Rewards, Bilt, or Capital One Miles give you real options. You can book directly through their travel portals OR transfer to dozens of airlines and hotels — whichever gives you the best value for your specific trip.

Flexibility really is everything when it comes to points. 🙌

The best offer out there right now, the Chase Sapphire Reserve is offering 150,000 bonus points to new cardholders, and this is one worth paying attention to. We have heard this offer is ending soon. 

Here's what the current offer looks like:

Spend $6,000 in the first 3 months and you'll earn 150,000 bonus points. Those points are conservatively valued at around $2,500 — but depending on how you redeem them, (transfer to a dozen different airlines and several hotel chains including Hyatt) they can stretch significantly further.

The annual fee is $795, which I know sounds steep. But before you close the tab, take a look at what's included:

• ✈️ $300 Travel Credit
• 🎟️ $300 StubHub Credit
• 🍽️ $300 Dining Credit
• 🏨 $500 Edit Hotels Credit
• 🏨 $250 Select Chase Hotels Credit
• 🛂 $120 Global Entry Credit
• 🚗 $10/month Lyft Credit
• 🛵 $25/month DoorDash Credit
• 🎵 Complimentary Apple TV+ & Apple Music
• 🚴 $120 Peloton Credit
• 🛋️ Priority Pass Lounge Access (you + 2 guests)
• 🛋️ Sapphire Lounge Access

If you actually use these credits, the math works strongly in your favor. That said, it does take some intentionality to make sure you're not leaving value on the table — this card rewards people who engage with it.

If this card seems like too much, the Chase Sapphire Preferred is a great flexible travel card. The annual fee is just $95 and the bonus is 75,000 points for a $5,000 minimum spend. 

If this fits how you already travel — or how you want to travel — it's a genuinely strong offer. Hit the link below to apply through my referral link, and feel free to reach out with any questions!

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

Southwest Just Dropped Some of the Biggest Card Bonuses We've Seen

Southwest Just Dropped Some of the Biggest Card Bonuses We've Seen — But There's a Deadline ⏰

If you've been on the fence about a Southwest credit card, this weekend's bonus announcements might be the push you needed. We're talking large point bonuses with surprisingly low minimum spend requirements — and a clear path toward the Southwest Companion Pass in the process. ✈️

Let's break down the three personal card options, then cover who's actually eligible.

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The Cards & Current Offers

Southwest Plus — $99/year

• 80,000 bonus points
• $1,000 minimum spend in 3 months
• 1 free checked bag
• Standard seat selection within 48 hours of boarding
• 2x points at gas stations & grocery stores | 1x everywhere else
• 3,000 anniversary points

Southwest Premier — $149/year

• 85,000 bonus points
• $2,000 minimum spend in 3 months
• 1 free checked bag
• Preferred seat selection within 48 hours of boarding
• 2x points at grocery stores & restaurants | 1x everywhere else
• 6,000 anniversary points

Southwest Priority— $229/year

• 90,000 bonus points
• $3,000 minimum spend in 3 months
• 1 free checked bag
• Complimentary preferred seat at booking (no waiting!)
• 2x points at restaurants & gas stations | 1x everywhere else
• 7,500 anniversary points

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The Companion Pass Angle 🙌

Any one of these cards paired with a Southwest business credit card gets you enough points to earn the Companion Pass — valid for the rest of 2026 and all of 2027. That means a designated travel companion flies with you for free (just paying taxes and fees) on every flight you book during that window. The value adds up fast.

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Before You Apply — Check These Two Things ✅

• You must not have received a Southwest card bonus in the past 24 months
• You can only hold one Southwest personal card at a time

Both rules are firm, so double-check before you apply.

This offer runs through July 1st. If you're ready to move forward, use our referral link to apply. 💳

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.

Atmos Rewards Is Back With a 100,000-Point Bonus 🎉

Atmos Rewards (Alaska Airlines) just brought back its 100,000-point bonus offer — and this one is worth paying attention to.

I usually steer my clients toward flexible point programs like Capital One, Chase Ultimate Rewards, and Amex. But after jumping on this offer last year, I can confirm that Atmos Rewards holds its own when it comes to flexibility — especially for families.

Why Atmos Points Are More Flexible Than You'd Think ✈️

Alaska Airlines partners with 13 alliance members, including some heavy hitters:

• American Airlines
• British Airways
• Aer Lingus
• Qatar Airways
• Singapore Airlines
• Cathay Pacific
• Fiji Airways
• Finnair
• Iberia
• Japan Airlines
• Malaysia Airlines
• Qantas
• Royal Air Maroc
• Royal Jordanian
• Sri Lankan Airlines

That's a lot of booking options. To put it to the test, I ran a few searches:

• San Francisco → Sydney, Australia — multiple options on Fiji Airways and American Airlines ✅
• New York → Madrid, Spain — solid choices on Iberia and American Airlines ✅

• Seattle → Tokyo — non stop even business class bookable on Hawaiian Airlines  ✅

Could you sometimes find a better deal booking directly, say on Iberia using Avios? Possibly. But Atmos points shine when you need options fast. A client of mine needed a last-minute flight to Austin — cash prices were brutal, but we found a redemption for just 12,500 Atmos points. That's the kind of win that makes keeping a points stash worthwhile. 🙌

The Two Card Offers Right Now 💳

Summit Card — 100,000-point bonus

• Spend $6,500 in the first 3 months
• $395 annual fee
• Perks: 50% flight discount code, 8 lounge passes, and a 25,000-point global companion award

Ascent Card — 80,000-point bonus

• Spend $4,000 in 4 months
• $95 annual fee
• Perks: 50% flight discount code, $99 companion fare, and one free checked bag for you and up to 6 guests

Both are genuinely strong offers. Whether you go big with the Summit or keep it lean with the Ascent, having a healthy Atmos points balance gives you real booking power when you need it most. 🗺️

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities. 

How to Squeeze Maximum Value Out of 75,000 Capital One Venture Points 🧳

The Capital One Venture card's welcome offer ends April 13th — that's 75,000 points + a $250 travel credit for a $95 annual fee, worth at least $1,000 in travel. 🤑

But here's the thing — $1,000 is really just the floor. Let's talk about how to do even better.

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Two Ways to Use Your Capital One Points

1. 🖥️ Book Through the Capital One Travel Portal

Simple and solid. Your 75,000 points are worth a straight $750 toward flights, hotels, rental cars and more. Great if you want zero fuss.

2. 🔄 Transfer to Airlines & Hotels (This Is Where It Gets Fun)

This is where your points can really take off. Capital One transfers to dozens of loyalty programs, most at a 1:1 ratio:

✈️ Airlines	🏨 Hotels
Japan Airlines	ALL - Accor Live Limitless
Flying Blue (Air France & KLM)	Choice Hotels
Aeromexico	Preferred Hotels
Air Canada Aeroplan	Wyndham
Cathay
Avianca
British Airways
Emirates
Etihad
Eva Air
Finnair
JetBlue
Qantas
Qatar
Singapore KrisFlyer
TAP Miles&Go
Turkish Miles&Smiles
Virgin Atlantic

💡 Pro tip: Keep an eye out for bonus transfer promotions — Japan Airlines has one running right now!

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Real-World Sweet Spots Worth Knowing About 🍬

✈️Turkish Miles&Smiles

Book a business class flight from Los Angeles to Athens for just 165,000 points — a ticket that'd otherwise run you $3,500 cash. Yes, really.

🌷 Flying Blue (Air France & KLM) — My Personal Favorite

Flying Blue drops monthly promotions that are hard to beat. Right now you can snag a one-way economy flight from Los Angeles to Amsterdam for just 18,750 points — a ticket worth $750. That's an incredible return on your points.

🏖️ Wyndham — A Sleeper Hit

Wyndham is a newer Capital One transfer partner and it's already delivering. I recently transferred points for two nights at an all-inclusive in Cancun (for a destination wedding, no less 💍). The rooms were going for $450/night cash — I paid 60,000 points. That's the kind of win that makes points nerds do a happy dance. 🕺

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The Bottom Line

These are just a handful of ways to stretch 75,000 Capital One points and $250 travel credit well beyond that $1,000 baseline. The right transfer partner for the right trip can dramatically multiply your value.

But you've got to move — this offer ends April 13th. ⏰ Ready to apply? Use our referral link and let's get you traveling! 🙌

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities. 

You Have the Points—So Why Are You Still Paying Cash for Flights? ✈️

Both new clients I met with this past week had a serious stash of points and miles—and were still planning to pay cash for their next flights. 🤔✈️

The first client had 800,000 Chase Ultimate Rewards points sitting in their account… and had just purchased a flight to the East Coast. When I asked why, she said she was saving them for a “big trip someday.”

Family trip to Finland to see the Northern Lights

The second client? 2 million Amex points. Yes, really—two million. And they were about to pay cash for round-trip flights to Europe.

And here’s the kicker: both are still actively earning points every month.

This isn’t unusual. I’ve seen it over and over:

• A client with 100,000 Chase points planning to pay cash to fly to California
• Another with 275,000 Chase points doing the same for a West Coast trip

So what’s going on? Why do smart, points-savvy people collect all these miles… and then not use them?

I asked ChatGPT, and the answer lines up exactly with what I see in real life:

1. Mental accounting
Points feel like a “special” currency—too valuable to touch. Cash feels easier to part with. If you have a steady paycheck, paying $500 for a flight doesn't seem like as much as paying 50,000 points even though it's the same value. 

2. Loss aversion
It took effort to earn those points, so spending them feels like losing something.

3. Endowment effect
Once you have a big balance, it starts to feel like something to protect. People hold out for a “perfect” redemption that rarely happens.

4. Optimization paralysis
Transfer partners, award charts, dynamic pricing…it can get complicated fast. When people aren’t sure they’re getting the best value, they freeze—and default to cash.

5. Future fantasy vs. present reality
Points get saved for a dream trip someday, while real trips—family visits, college tours, quick getaways—get paid in cash.

Here’s the reality:
Points and miles don’t get more valuable over time. They quietly lose value. Meanwhile, your travel life is happening now.

Once we talked it through, each of these clients made a shift:

• 800,000 points → used 100,000 for a round-trip flight to Europe ✈️
• 100,000 points → used 40,000 for a round trip California trip 🌴
• 225,000 points → used 40,000 for a round trip West Coast flight 🌊
• 2 million points → used 492,000 for two round trip business class flights to Europe 💺✨

Did they use their points well? Yes. The round trip business class flights to Europe priced out at $14,000.  
Do they still have plenty left? Also yes. That same client has 1.5 million Amex points left. 
Are they still earning more? Absolutely.

Over the water bungalow in Moorea paid with points

And maybe most importantly—they’re actually enjoying the benefits of what they’ve earned.

If you’re sitting on a pile of points and thinking about paying cash for your next flight, let’s take a look before you book. A quick consult can save you thousands of points—or help you finally use them with confidence.

Want more personal help using points and miles for almost FREE travel? Join my Travel Coaching Program and we will design your personal strategy to travel for almost FREE and guide you through the process. Right now, you can use the promo code "FREETRAVEL" to get $50 off the program. 

Or you can book a consulting call with us for just $100. I would love to help you make priceless family memories affordable. 

***In honor of every new paid client, we will make a donation of 10% to one of our favorite charities.