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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Credit card points.  We haven’t paid for an international flight in years. [/quote]

Could you expand on this? I feel like we NEVER get enough points for flights even though we put everything on credit and are never late with payments.[/quote]
NP here
Chase credit cards in our family
Freedom Unlimited - 1.5% on everything
Freedom - 5% rotating category
Points can be easily combined within family. Watch out for opening promo (right now Preferred gives new customers 100K points), alternate opening new cards between spouses for extra bonuses/referrals. 
Sapphire Preferred/Reserve - 3% on travel and some other categories. Book through Ultimate rewards - 1000 point = 1.5 dollars with Reserve (1.25 with Preferred). Alternatively, transfer points to your preferred airline/hotel if its cheaper that way (compare before booking) [/quote]

Solid advice.   If you just have points from your basic spending, you won't be able to get enough points in a year to book flights for 4 people.  Let's say you can put $4k/month on the cards, if you optimize you might be able to get to 110k points in a year- enough for probably 2-3 domestic tickets or 1, possibly 2 econ tickets to Europe.  So you can either take a couple of years to build up enough points, or strategically mix in signup bonuses periodically to get big batches of points like the Sapphire Preferred 100k current bonus.  This is all entirely possible, but takes attention to detail and a steep learning curve in how to maximize points values, as there are a lot of different ways to utilize them.  Sites like frequentmiler.com and upgradedpoints.com have good starter guides.  Please don't mention that tall guy (Points Guy ugh he's the worst).[/quote]

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