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My wife and I had an incredible European anniversary trip last year, paid for with points. We were flexible with how we traveled so we could maximize the value we got. Using a card's transfer partners to get more value out of your points is a great way to save.

Sometimes you need to go a bit beyond flowers or a nice restaurant. Last July, my wife and I celebrated our 18th wedding anniversary while all three of our children were in summer camp or visiting family. We cashed in most of the points and miles earned from our credit cards and were able to visit London, Paris, Normandy, and more for a fraction of what it would have cost.

Planning an incredible anniversary trip I always start a trip by booking the hardest part first, which is the overseas flights. Fortunately, we like to earn American Express Membership Rewards and Chase Ultimate Rewards points. These programs allow cardholders to transfer their rewards to airline miles or hotel points, which can be very valuable.

For example, American Express cardholders can transfer their points to frequent flyer miles with ANA Airlines of Japan, which offers flights to European and Asian destinations at impressive rates. We use the American Expr.