Picture this. Three months from now, you are settling into a spacious business class seat while the rest of the cabin squeezes into coach. It feels out of reach for many travelers, especially anyone new to credit card points, but the path is simpler than it looks.

Here is a clear three month plan to turn everyday spending into premium travel.

Month 1: Set Up the Foundation

Start with one solid travel rewards card that earns transferable points. These points can move to multiple airlines and hotels, which makes them far more flexible. A welcome bonus of sixty thousand points or more is a strong starting target. Paying attention to the annual fee and minimum spending requirement helps keep everything manageable.

Travelers who begin with Chase cards often do well because early applications work best before hitting the bank’s application limits.

Once the card is open, focus on the minimum spend during the first month. The easiest way is to route normal purchases through the card. Groceries, fuel, essential bills, upcoming repairs, or planned larger purchases all count. Autopay prevents late payments and keeps the process smooth.

Many travelers meet the requirement simply by shifting their routine expenses.

Month 2: Build Skills and Explore Options

With points now accumulating, the next step is learning how to use them well. Exploring transfer partners helps reveal which airlines or hotels align with upcoming trips. Earning categories like dining or travel can multiply points quickly, so learning where to swipe is important.

Joining frequent flyer programs is free and adds flexibility later.

Weeks seven and eight are ideal for practice searches. Spend time on airline websites experimenting with award calendars. Spotting when seats are available and how prices shift teaches the patterns. Comparing cash prices to point prices highlights where the strongest value appears.

Routes with high cash fares and modest award rates are often the sweet spots.

Month 3: Choose the Trip and Book It

During weeks nine and ten, settle on a destination. Whether it is a short escape or a bucket list city, the goal is choosing a route with good availability. Some carriers release more award seats than others, so checking several options pays off.

Once the plan is set, transfer the points to the chosen airline during weeks eleven and twelve. Transfers sometimes take time, so doing this ahead of booking prevents missed opportunities. After the points arrive, book the flight, select a seat, and prepare for takeoff.

The entire process can move from zero to a confirmed business class seat in roughly ninety days.

Common Mistakes to Avoid

• Taking cash back instead of transferable points

• Redeeming through bank travel portals

• Forgetting to track points

• Missing bonus earning categories

• Overlooking transfer bonuses that boost point value

Small habits like these can make or break long term travel value.

Your 90 Day Checklist

• Choose a card with a strong welcome bonus

• Pay on time every month

• Use regular spending to meet minimum requirements

• Learn key transfer partners

• Join airline loyalty programs

• Practice searching for award flights

• Book a business class seat using points

Business class becomes far more accessible when the process is broken into simple steps. Once travelers learn the basics, repeating the strategy becomes just as straightforward.

Talk soon,

Your Maestro Concierge

Editors Note: Opinions expressed here are only the author’s and have not been reviewed, approved, or endorsed by any bank, credit card issuer, hotel, airline, or other entity.