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Many airline-branded credit cards promote the ability to take some type of dream trip using the miles from a bonus opportunity. Some of these offers may work out in your favor, but its important to note that some carriers are a bit stingy on ability to cash in miles.

The Popular travel rewards cards include: Barclaycard Arrival Plus World Elite MasterCard, Venture from Capital One, Chase Sapphire Preferred Credit Card, Discover it Miles Travel Credit Card, FlexPerks Travel Rewards Visa Signature Card.

Of course, this is just the beginning (it is, after all, a "beginner's" guide). If you're willing to spend the time and brainpower, you can make sure you're spending and gaining points in the most efficient manner. This isn't necessary for most of us, but here are a few advanced tricks for making sure youre getting the most out of those miles: Get

Book a ticket when you need it. And no, there isn't. But its a qualified "no". Research suggests that if you buy your ticket when most people do between one and four months before you fly you're likely to find the lowest price. Don't push the button too early or too late, because fares tend to rise, especially as you close in on your departure date

The truth is that the cards with the best, biggest and flashiest offers also come with annual fees typically between $75 - $95, but sometimes up to $450 or more. Some cards will waive that fee for the first year you own the card, though, and others have no annual fee at all. The key to finding the right card is finding the best mix of rewards for t

Visa and MasterCard are the gold standards in this area. Both of those types of cards are far more accepted than American Express or Discover once you're outside of the U.S., so if AmEx is your go-to card, carry a Visa or MasterCard with you, too just in case.