100,000 point budget · Best uses
What you can do with 100,000 points
The threshold where round-trip premium cabins start to make sense. Most card sign-up bonuses hit this number.
All budget tiers
Most flexible currency for this tier
Chase Ultimate Rewards (most card bonuses combine here)
Best uses of 100,000 points
Round-trip business class to Europe (peak)
ANA program partner Lufthansa at 88k Aeroplan round-trip, or AAdvantage 57.5k each way.
Round-trip business class to Mexico/Caribbean
Easily covered, with points to spare.
Park Hyatt Maldives for 3 nights
30k × 3 = 90k pts; the cheapest over-water villa redemption in the program.
Conrad Maldives 1 night peak
100k-110k peak; one night to test the property before deciding.
Limitations at this tier: Maldives full week is still aspirational. Asia first class out of reach.
Next tier up
What changes at 150,000 points
Mid-tier serious. Two-cabin round-trips to Asia or first class to Europe become realistic.