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If you have a destination wedding abroad or want to explore a spot on your bucket list, points significantly reduce the price of travel by removing the airfare, since you only have to save cash for hotel, food, and other incidentals.

Hull and her family have used points to travel to Hawaii, first class to Europe, to an overwater villa in the Maldives, to Disney World, to Alaska, to Mexico, and beyond.

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"Pick a trip you want to pay for using points,” she said.

“Then get one credit card to work toward making it happen." In my case, I started with the goal of a business-class trip to London and used the British Airways Visa card to make it a reality.

You should already have a solid history of paying off your balance in full every month.

Be honest with yourself, and if you know you tend to carry a balance or get close to maxing out your limits, focus on building good credit habits first.

After opening that card six years ago, I now consider how every dollar I spend can help me see the world.

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