How to Fly Business Class to Europe — Using Points You Already Have
The $4,500 seat, the lie-flat bed, the champagne before takeoff — and how to book it for about the cost of a nice dinner.
The Seat That Changed Everything
A business class seat from New York to Paris retails for about $4,500. Sometimes more. During summer, I've seen them top $7,000.
Last October, my wife and I flew that exact route — Air France business class, lie-flat seats, three-course dinner with actual wine glasses, pajamas in a little pouch, eight hours of the best sleep either of us has had on an airplane — for 55,000 points each and $5.60 per ticket in taxes.
Eleven dollars and twenty cents. For two seats that would have cost nine thousand dollars.
Same plane. Same champagne. Same crew tucking us in with a smile. The only difference was how we paid for it.
I tell you this not to brag, but because two years ago, I was the person in seat 34B watching those business class passengers board first, thinking exactly what you might be thinking right now: Must be nice. Must be rich. Must be some trick I'll never understand.
It's not a trick. And you don't need to be rich. You need about 60,000 to 70,000 points per person — which, as we'll see, is roughly what one good credit card sign-up bonus hands you on a silver platter — and about twenty minutes of know-how.
That's what this guide is for. By the time you finish reading, you'll understand exactly how to book business class to Europe with points. Not theoretically. Not "someday when the stars align." Practically, with real routes, real point costs, and real steps you can follow with your laptop open.
If you can book a hotel on Expedia, you can do this. I promise.
Why Business Class Matters More Now Than It Did at 35
Let's be honest about something. When you're 30, you can fold yourself into a middle seat, sleep two hours, and bounce off the plane ready to explore. When you're 60 — or 65, or 70 — that same flight leaves you feeling like you've been stuffed into a shipping container.
Business class isn't about luxury for luxury's sake. At this stage of life, it's about function:
- Lie-flat seats mean you actually sleep. Real sleep. You arrive in London or Rome having rested instead of having survived.
- More space means your knees, your back, and your hips get a break. If you've had a replacement or two, you understand what I mean.
- Airport lounges before the flight give you a comfortable place to wait with free food and drinks, real bathrooms, and sometimes even showers. No more sitting on a plastic chair near Gate B47 eating a $16 airport sandwich.
- Priority everything — boarding, baggage, customs lines. Less standing. Less waiting. Less stress.
Here's the comparison laid out simply:
| Economy | Premium Economy | Business | First | |
|---|---|---|---|---|
| Seat | Upright, 17" wide | Reclines more, 19" wide | Lie-flat bed, 21-24" wide | Suite/pod, fully enclosed |
| Legroom | 31-32" | 38" | 60-78" (fully flat) | 78"+ |
| Food | Buy on board or small tray | Improved meal | Multi-course restaurant meal | Chef's table |
| Lounge access | No | Sometimes | Yes | Yes, premium lounges |
| Cash price (US→Europe) | $500-$1,200 | $1,200-$2,500 | $3,500-$8,000 | $8,000-$15,000+ |
The cash price column is why most people never consider it. But that column is irrelevant when you're paying with points. Which brings us to the good part.
What Business Class to Europe Actually Costs in Points
Here's the cheat sheet I wish someone had given me on day one. These are real point costs for one-way business class award tickets from the United States to Europe:
| Route | Program | Points Required | Taxes/Fees |
|---|---|---|---|
| NYC → London | Virgin Atlantic (via Chase) | 47,500 | ~$5-50 |
| NYC → Paris | Air France/KLM (via Amex or Chase) | 55,000 | ~$5-100 |
| NYC → Frankfurt | United (via Chase) on Lufthansa | 60,000 | ~$5.60 |
| NYC → Istanbul | Turkish Airlines (via Capital One) | 45,000 | ~$30-80 |
| East Coast → Rome | Aeroplan (via Amex or Chase) | 55,000 | ~$50-100 |
| Chicago → London | American Airlines (via British Airways) | 57,500 | ~$5-50 |
| West Coast → Europe | Various programs | 65,000-80,000 | ~$5-100 |
Look at that chart for a moment. Most of these routes cost between 50,000 and 70,000 points for a seat that sells for $4,000 to $7,000 in cash. That means your points are worth roughly 6 to 12 cents each when redeemed this way.
Compare that to the 1 cent per point you'd get from a cash-back redemption, or the 1.25 to 1.5 cents you'd get booking economy through a travel portal. Business class award flights are, point for point, the single best use of credit card rewards in existence. It's not even close.
And here's the number that matters most: the sign-up bonus on the Chase Sapphire Preferred is currently around 75,000-80,000 points. One card. One sign-up bonus. Enough for a business class flight to Europe.
You might already have enough points sitting in your account right now. Have you checked lately?
The Three Ways to Book (Ranked from Simplest to Smartest)
There are exactly three methods for turning your credit card points into a business class seat. Each has its place. I'll walk you through all three so you can choose the one that matches your comfort level.
Method 1: The Travel Portal (Easiest)
Best for: People who want the simplest possible experience
Points programs: Chase Ultimate Rewards, Capital One Miles, Amex Travel
Skill level: If you can use Expedia, you can do this
Every major points program has its own travel booking website. Chase has the Chase Travel portal. Capital One has its Travel portal. Amex has Amex Travel. These work exactly like any other booking site — you type in where you want to go, pick your dates, and browse flights. The only difference is you pay with points instead of dollars.
Here's how it works with Chase:
- Log into your Chase account
- Click "Travel" in the menu
- Search for flights just like you would on any travel site
- Toggle the "Use Points" option
- Select your business class flight
- Confirm the booking
That's it. Six steps. Your points cover the flight, you pay a few dollars in taxes, and your confirmation email arrives in minutes.
The math: With the Chase Sapphire Preferred, your points are worth 1.25 cents each through the portal. With the Sapphire Reserve, they're worth 1.5 cents each. So a business class flight priced at $4,500 would cost you about 300,000 points (Reserve) or 360,000 points (Preferred).
The catch: You'll notice those point costs are much higher than the chart I showed you earlier. That's because the portal treats points like cash — you're just paying the retail price with a different currency. It works, and it's dead simple, but you're leaving a lot of value on the table.
That said, if the idea of transfer partners makes your head swim and you just want to book the flight and start packing? The portal gets the job done. No shame in simple.
Method 2: Transfer Partners (Best Value)
Best for: Anyone willing to learn one extra step to save 50-75% more points
Points programs: Chase Ultimate Rewards, Amex Membership Rewards, Capital One Miles
Skill level: Moderate — but I'm about to make it easy
This is where the real magic happens, and I promise it's less complicated than it sounds.
Here's the concept in one sentence: instead of spending your points through the credit card company's travel site, you transfer them to an airline's frequent flyer program, where they're worth significantly more.
Think of it this way. Your Chase points are like dollars. You can spend them at the Chase store (the portal), where everything is priced in retail dollars. Or you can convert them to an airline's currency — their miles — where business class seats are priced at wholesale rates that the airlines set specifically for their loyalty members.
The transfer is instant, free, and happens right from your Chase, Amex, or Capital One account. Here's exactly how:
- Find award availability first (this is important — always search before you transfer)
- Log into your credit card account
- Go to the "Transfer Points" section
- Choose the airline partner
- Enter the number of points you want to transfer
- Confirm — the miles appear in your airline account within minutes
- Go to the airline's website and book your flight with those miles
Let me show you the three sweet spots that deliver the best value for business class to Europe.
Sweet Spot #1: Air France via Chase or Amex — Paris and Beyond
Air France's Flying Blue program is one of the most boomer-friendly booking experiences in the points world. Their website is clean, their availability is generous, and their business class is genuinely lovely.
The deal: 55,000 points for one-way business class from the East Coast to Paris.
How it works:
- Transfer Chase Ultimate Rewards or Amex Membership Rewards to Air France Flying Blue (1:1 ratio)
- Search on airfrance.us for "reward flights"
- Select business class
- Book directly on the Air France website
Air France regularly runs transfer bonuses — sometimes 25% or even 30% more miles when you transfer. When those promotions hit, your 55,000-point ticket effectively costs only 42,000-44,000 points from your Chase or Amex account. That's a business class seat to Paris for fewer points than most people use for an economy ticket to the Caribbean.
And once you're in Paris, Air France's network connects to virtually every city in Europe. Rome, Barcelona, Athens, Amsterdam — they're all a short connecting flight away, often bookable on the same award ticket.
Pro tip: Flying Blue has "promo awards" that pop up regularly, dropping certain routes to 40,000-50,000 miles in business class. Follow WanderWise on Facebook — we post these deals when we find them.
Sweet Spot #2: ANA via Amex — The Legendary Lie-Flat
All Nippon Airways (ANA) operates one of the most acclaimed business class products in the world. Their "The Room" business class seats on the Boeing 777 are genuinely stunning — enormous enclosed suites with a door, restaurant-quality Japanese cuisine, and service that makes you feel like you're the only person on the plane.
While ANA is a Japanese carrier, they fly direct from several US cities to Tokyo — and from there, connections to European destinations are available on Star Alliance partners. But the real value here is the Japan routing: if Europe is your primary goal but Japan intrigues you too, ANA's round-trip business class award from the US is one of the best deals in aviation.
The deal: 88,000-95,000 ANA miles round trip in business class from the US to Japan, bookable via Amex Membership Rewards transfer.
How it works:
- Transfer Amex Membership Rewards to ANA Mileage Club (1:1 ratio)
- Search on the ANA website for award flights
- Book round-trip business class
For Europe specifically, you'd route through Star Alliance partners (Lufthansa, Swiss, Turkish) using those ANA miles, though the sweet spot is even better for direct US-to-Japan flights. If you hold the Amex Gold or Amex Platinum, you're already earning the currency that buys these tickets.
Important note: ANA requires round-trip bookings for award flights originating in the US, and they release availability on their own schedule. Booking 3-4 months out tends to yield the best options.
Sweet Spot #3: Turkish Airlines via Capital One — Europe's Secret Gateway
Turkish Airlines' Miles&Smiles program is quietly one of the best-kept secrets in the points world, and it's especially valuable for Capital One cardholders.
The deal: 45,000 miles for one-way business class from the US to Istanbul — and from Istanbul, connections to literally anywhere in Europe, the Middle East, or Africa on Turkish's massive network.
How it works:
- Transfer Capital One Miles to Turkish Airlines Miles&Smiles (1:1 ratio)
- Search on turkishairlines.com for award flights
- Book business class through Istanbul
Why Istanbul? Because Turkish Airlines' hub there connects to more destinations than almost any other airline. Want to get to Dubrovnik? Santorini? Lisbon? Marrakech? Turkish probably flies there direct from Istanbul. And their business class — especially on long-haul flights — features lie-flat seats, Turkish cuisine that puts most airlines to shame, and those famous Turkish Airlines amenity kits.
If you carry the Capital One Venture X, you're earning 2x miles on everything and 10x on hotels and rental cars booked through Capital One Travel. Those miles transfer directly to Turkish at a 1:1 ratio. It's one of the simplest paths to business class that exists.
Pro tip: Turkish also lets you book Star Alliance partners like Lufthansa, Swiss, and United using Miles&Smiles, often at very competitive rates. A business class ticket on Lufthansa via Turkish miles can cost as little as 45,000-50,000 miles one-way.
Method 3: Fixed-Rate Programs (The No-Math Option)
Best for: People who want simplicity AND good value
Points programs: Capital One Miles
Skill level: Beginner-friendly
Capital One offers something unique: you can use your miles to erase any travel purchase from your credit card statement. Book a business class flight anywhere — on any airline, through any website — pay with your card, and then apply your miles to wipe out the charge at 1 cent per mile.
The math: A $4,500 business class ticket would cost 450,000 miles to erase completely. That's more than the transfer partner method, but the beauty is in the simplicity — any airline, any route, any time. No searching for "award availability." No transferring miles. Just book and erase.
If you hold the Capital One Venture X, you get 10% of your miles back every year on your account anniversary, effectively making the cost closer to 405,000 miles. And with the Venture X's 75,000-mile sign-up bonus plus everyday earning, a couple can accumulate that within 12-18 months.
When this makes sense: You've found an incredible business class fare on sale, or you want to fly a specific airline at a specific time and transfer partner availability isn't cooperating. It's not the highest-value option, but it's the "it just works" option.
Which Method Should You Choose?
| Situation | Best Method |
|---|---|
| "I just want to book and go" | Portal (Method 1) |
| "I want the best deal and I'll spend 20 minutes learning" | Transfer Partners (Method 2) |
| "I want flexibility with no restrictions" | Fixed-Rate Erasure (Method 3) |
| First time booking an award flight | Portal or Fixed-Rate |
| You have 60,000-80,000 points | Transfer Partners (stretch them further) |
| You have 200,000+ points | Whichever method you prefer |
Real Itineraries With Real Point Costs
Theory is nice. Let's get specific. Here are three actual trips you could book today, with the exact programs and point costs involved.
Trip 1: New York to Paris — The Classic
Airlines: Air France business class
Points program: Chase Ultimate Rewards → Air France Flying Blue
Cost: 55,000 points + ~$85 in taxes and fees (one-way, per person)
Round trip for two: 220,000 points + ~$340 in fees
Cash equivalent: $8,500-$12,000 for two round-trip business class tickets
The flight: Depart JFK in the evening, enjoy a multi-course dinner with French wine, recline into your lie-flat bed, sleep for six hours, wake up to fresh pastries and coffee as you descend into Charles de Gaulle. You've had a full night's rest. It's morning in Paris. You go straight to a café.
How to earn the points: Two Chase Sapphire Preferred sign-up bonuses (one for each spouse) give you approximately 150,000-160,000 points. Normal spending over 4-6 months fills the gap to 220,000.
Trip 2: Chicago to Rome via Frankfurt — The Grand Tour
Airlines: Lufthansa business class (via United MileagePlus)
Points program: Chase Ultimate Rewards → United MileagePlus
Cost: 60,000 points + $5.60 in taxes (one-way, per person)
Round trip for two: 240,000 points + ~$22 in fees
Cash equivalent: $9,000-$14,000
The flight: Lufthansa's business class is a thing of beauty. Their newer "Allegris" seats offer personal suites. You'll connect through Frankfurt, where the Lufthansa Senator Lounge — with its full restaurant, bar, and sleeping rooms — makes the layover feel less like a delay and more like a bonus destination.
Why United miles: When you transfer Chase points to United, you can book any Star Alliance partner. Lufthansa, Swiss, Austrian, Brussels Airlines — they're all searchable on United.com. This is one of the most powerful tricks in the points world: earn Chase points from your everyday spending, transfer them to United, and suddenly you can fly some of the best airlines in Europe at award prices.
Trip 3: East Coast to Istanbul (and Anywhere Beyond) — The Adventurer
Airlines: Turkish Airlines business class
Points program: Capital One Miles → Turkish Miles&Smiles
Cost: 45,000 miles + ~$50 in taxes (one-way, per person)
Round trip for two: 180,000 miles + ~$200 in fees
Cash equivalent: $7,000-$10,000
The flight: Turkish Airlines' business class on their long-haul fleet is consistently rated among the world's best. Expect lie-flat seats, Turkish meze platters, exceptional wines, and those Instagram-worthy amenity kits by Versace or Ferragamo. Istanbul's new airport is a marvel, and their lounge — the Turkish Airlines Lounge Istanbul — is essentially a luxury hotel with a bowling alley.
The connection play: From Istanbul, Turkish flies to 340+ destinations. Connect onward to Santorini for a Greek island honeymoon (or second honeymoon). Fly to Barcelona for tapas and Gaudí. Pop over to Dubrovnik for the Adriatic coast. Istanbul as a hub opens the entire Eastern Mediterranean at a fraction of what other routings cost.
When to Book: Timing Strategy That Actually Works
Award availability — the number of business class seats an airline makes available for points — isn't random. It follows patterns, and once you know them, you'll find seats that seem invisible to everyone else.
The Sweet Spots
10-11 months before departure: This is the prime window. Airlines release their award calendars roughly 330 days in advance, and the first week or two after a new month opens up tends to have the best selection. If you want to fly business class to Paris next September, start looking this coming November.
2-4 weeks before departure: Counterintuitively, airlines sometimes release unsold business class seats as award availability close to the travel date. If your schedule is flexible and you're comfortable with a shorter planning horizon, last-minute award availability can be excellent.
Right after schedule changes: When airlines adjust their seasonal schedules (usually in March and October), new flights appear with fresh award inventory. Keep an eye on these windows.
The Best Months to Fly
European business class availability follows a predictable seasonal pattern:
| Season | Months | Availability | Weather | Our Verdict |
|---|---|---|---|---|
| Shoulder (Spring) | April-May | Excellent | Lovely | Best overall value |
| Peak Summer | June-August | Poor | Hot, crowded | Hardest to find, book 11 months out |
| Shoulder (Fall) | September-October | Excellent | Beautiful | Best overall value |
| Off-Peak Winter | November-March | Very good | Cool/cold | Best availability, lower fees |
If you have any flexibility at all, May and September are the golden months. Perfect weather in most of Europe, thinner crowds than summer, and significantly better award availability. You'll find business class seats that simply don't exist in July.
The Flexibility Trick
Here's something that saves our readers tens of thousands of points every year: shifting your dates by even one or two days can make the difference between "no availability" and "two seats in business class."
Airlines don't release the same number of award seats on every flight. Tuesday departures tend to have better availability than Friday departures. Midweek returns beat Sunday returns. If you search a seven-day window instead of fixed dates, you'll almost always find what you're looking for.
Google Flights is your friend here. Search your route, toggle to "business class," and use the calendar view to see how prices fluctuate. When you spot a date with lower cash prices, that's often a date with better award availability too. Then go to the airline's website to check the actual points price.
"But I've Never Done This Before"
I hear you. And I want to address this directly, because the biggest barrier to flying business class on points isn't a lack of points or a lack of knowledge. It's a lack of confidence.
So let me be straight with you.
"This seems too good to be true."
It's not. Credit card companies earn money every time you swipe your card — typically 2-3% of the purchase price, paid by the merchant. They share a portion of that revenue with you in the form of points. Airlines, in turn, sell those points to credit card companies at wholesale rates and offer you seats that would otherwise fly empty. Everyone profits. Nothing is being gamed or exploited. This is exactly how the system was designed to work.
"I'm too old to learn this."
With the deepest respect: nonsense. If you can comparison-shop for a hotel room online, you can book an award flight. The youngest person I've helped through this process was 34. The oldest was 79. Margaret, if you're reading this, your Lufthansa booking was flawless.
"What if I mess up?"
Then you'll have a story to tell. But honestly, the worst thing that typically happens is you transfer points and then can't find the flight you wanted — in which case you simply use the miles for a different flight later. Points don't expire in most airline programs as long as you have some activity every 18-24 months. You won't lose your miles.
"Will opening a new credit card hurt my credit score?"
For most people over 55 with established credit histories, opening one new card causes a temporary dip of about 5-10 points. Within a few months, it typically recovers and often improves, because your total available credit has increased while your spending hasn't. If you're not applying for a mortgage in the next six months, this is a non-issue.
"What about taxes and fees?"
On most US-originating flights, the taxes and fees on an award ticket are minimal — often between $5.60 and $100 per ticket. The main exception is British Airways, which adds hefty fuel surcharges on flights departing the UK. We steer our readers toward carriers with low fees: Air France, Turkish Airlines, United, and Lufthansa are all excellent choices with fees typically under $100.
"Can I book two seats for my spouse and me?"
Absolutely. You'll book each ticket separately in most programs, and you can transfer points between spouses' cards to consolidate balances. Chase, Amex, and Capital One all allow household transfers. If you each have a card, you're pooling your points toward a shared trip.
The Seven Pitfalls (and How to Dodge Every One)
I've been helping people book award flights for several years now, and I see the same mistakes over and over. Here's how to avoid them.
Pitfall #1: Transferring Points Before Checking Availability
This is the big one. Never transfer points to an airline until you've confirmed the award seat exists. Point transfers are typically irreversible — once your Chase points become United miles, they're not going back. Always search the airline's website for award availability first. See the seat? Confirm the price? Then transfer.
Pitfall #2: Ignoring Fuel Surcharges
Not all award tickets are created equal when it comes to fees. A business class award on British Airways from London can carry $500+ in fuel surcharges. The same route on Virgin Atlantic might be $50. Always check the total cost — points plus fees — before you commit. Our recommended programs (Air France, Turkish, United) are specifically chosen because their fees are low.
Pitfall #3: Only Searching One Program
Different programs price the same seat differently. A New York to London business class flight might cost 60,000 miles through United, 47,500 through Virgin Atlantic, or 50,000 through Aeroplan. Spend ten minutes searching two or three programs before you book. The savings can be enormous.
Pitfall #4: Being Inflexible on Dates
I mentioned this above, but it bears repeating: if you insist on flying on a specific date, you may not find business class availability. If you open your window by even 2-3 days in either direction, your chances improve dramatically. Retirement has its perks — use that scheduling flexibility.
Pitfall #5: Waiting Too Long to Book
The best availability is either very early (10-11 months out) or very late (2-4 weeks out). The middle ground — 3-6 months before travel — is often the worst window for business class awards. If you know where you're going, book early.
Pitfall #6: Forgetting About the Return Flight
Many people get so excited about booking the outbound business class flight that they forget to check availability for the return. Always search both directions before transferring any points. Nothing deflates the excitement of a business class seat to Paris like realizing you're flying home in economy.
Pitfall #7: Not Calling When the Website Fails
Airline websites are, to put it charitably, not always reliable. If you see availability but the website won't let you complete the booking, call the airline. United: 1-800-864-8331. Air France: 1-800-237-2747. Most agents can see the same availability you see online and complete the booking over the phone. A $25-$30 phone booking fee is well worth avoiding the frustration.
Building Your Points If You're Starting From Zero
Maybe you've read this far and you're thinking, "This is wonderful, but I don't have 55,000 points to my name." Fair enough. Here's your roadmap.
The Fast Path (3-6 Months)
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Apply for the Chase Sapphire Preferred — Sign-up bonus: ~75,000-80,000 points after spending $4,000 in the first 3 months. That $4,000 isn't extra spending — it's your groceries, gas, utilities, insurance, and dining that you're already paying for. Just put it on the new card.
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Apply for a second card in a complementary program — If your spouse applies for the Amex Gold (with its 60,000-point sign-up bonus and 4x points on dining and groceries), you now have two separate pools of points with different transfer partners.
-
Keep spending normally — Between the sign-up bonuses and your everyday spending, a couple earning points on two cards will typically accumulate 150,000-180,000 points within six months.
That's enough for two one-way business class tickets to Europe. Add another 3-4 months of spending, and you've got the return flights covered too.
The Comfortable Path (9-12 Months)
If you'd rather take it slowly — one card, lower spending thresholds — that works too. A single Chase Sapphire Preferred with normal spending earns roughly 30,000-40,000 points per year beyond the sign-up bonus. Combined with the bonus itself, you'll have 110,000-120,000 points within your first year. That's enough for two one-way business class tickets, with the return flights following a few months later.
There's no wrong pace. The points don't expire as long as your account is open. You're earning them on spending you'd be doing anyway. Whether it takes you six months or eighteen months, that business class seat will be waiting.
Your Next Step
Here's what I want you to do right now. Not tomorrow. Not next week. Right now.
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Log into your credit card accounts. Check your points balances. Write down the numbers. You might be surprised — many people have 50,000 or 100,000 points they've forgotten about.
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Pick a destination. Paris. Rome. London. Istanbul. Wherever calls to you. You deserve a destination, not just a daydream.
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Search for availability. Go to united.com, airfrance.us, or turkishairlines.com and look for business class award flights on your preferred dates. You're just browsing — no commitment. See what's out there.
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Join our Facebook community. Our members share business class availability alerts, celebrate each other's bookings, and help newcomers through their first award tickets. Nobody judges. Everyone was new once. Join the WanderWise Facebook Group →
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Download our Business Class Booking Cheat Sheet. It's a one-page PDF with the best programs, point costs, and step-by-step instructions you can keep next to your computer. Get the free cheat sheet →
The Seat Is Waiting
Here's what I know to be true, after helping hundreds of people do exactly what I've described in this guide: the only thing standing between you and that lie-flat seat is the belief that it's not for you.
It is for you. Those points in your account aren't monopoly money. They're not a theoretical concept. They are a plane ticket — a specific, bookable, real plane ticket to a real place you want to go. The airlines have set aside those seats. The credit card companies have given you the currency. The system is sitting there, designed to be used, and most people never use it.
You're not most people. You've read this far, which means you're curious and capable and probably already doing the math in your head.
So do the math. Check the balance. Search the flights.
And the next time you board a plane to Europe, turn left.
Have questions? We answer every single one in our Facebook Group. And if you want personalized help figuring out your best path to business class, take our free Travel Score Quiz — it takes 60 seconds and tells you exactly where you stand.
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