I've taken my family on international trips with the help of credit-card points and miles. Jamie Davis SmithI've become something of an expert when it comes to booking trips with points and miles.It's usually worth it to spring for a card with an annual fee because they tend to earn more points.Keep an eye out for transfer and referral bonuses if you want to easily up your stash.I've taken my family on international trips with the help of credit-card points and miles.