Some readers are advanced hobbyists who have been playing the points and miles game and traveling for pennies on the dollar for years and years. Others are newer to the game and the tools we use. Today's post launches a series for newcomers to the game that we hope will also be a useful refresher for seasoned vets: how to get flights and hotels covered for a popular vacation destination / region with just 2 credit cards. We'll also include how to juice it up with 3 or more credit cards for those looking to up the ante and/or add a Player 2. The purpose of this series is to show that "dream" travel trips are easily possible when earning and leveraging credit card rewards properly - whether you're looking to take 40K and get far away or you're looking to get more luxury for less money. We'll be adding some companion resources as we go in order to explain the key parts of the puzzle for the games we play. Today's destination: The Maldives.
Maldives flights and hotels can combine to form one of the most expensive exotic vacation options in the world. However, savvy rewards travelers know that it doesn’t have to be that way: it is possible to build a Maldives vacation with as few as 2 credit cards to cover your flight and luxury hotel — or add another card or two to fly in comfort and style. A couple playing the game in 2-player mode can easily make a dream trip an affordable reality. That’s not to say the Maldives will be cheap: you’ll still be on the hook for things like most meals and an expensive round trip sea plane or boat transfer to your hotel. Of course, when you’re not paying sticker price for the most expensive aspects, those costs sting a bit less. See the video below for a high-level overview and then read on for some examples of how you could leverage the points from various welcome bonuses to make it happen.
Economy class: 1 credit card for round trip Maldives flights
If you’re content to fly in economy class, a single new credit card welcome bonus could be enough to get you there and back, paying just the taxes on the award ticket (which can vary from a few dollars up to a few hundred depending on the partner(s) you choose to fly, but will be significantly less than a paid ticket in all of the examples below). Here are a few example credit card welcome bonuses along with an explanation below each as to how you could use that bonus to get to the Maldives and back.
| Card Offer and Review |
|---|
 ⓘ $740 1st Yr Value EstimateClick to learn about first year value estimates 85K Avios ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 85K Avios after $5K spend in 3 months$95 Annual Fee Alternate Offer: 100K points after $7.5K spend in the first 3 months This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 7/4/22: 100K after $5K spend FM Mini Review: Good choice for a nice intro bonus. Award rebate makes the card a keeper if you frequently book awards from the US to Europe. |
How this card could cover your Maldives flights:
- Fly Qatar Airways for 49,250 Avios each way in economy class from New York, Boston, Philadelphia, Washington DC, or Toronto
| Card Offer and Review |
|---|
 ⓘ $1385 1st Yr Value EstimateClick to learn about first year value estimates 125K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 125K miles after $5K spend in first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. (Offer Expires 5/7/2025)$150 Annual Fee FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. |
How this card could cover your Maldives flights:
- Fly Star Alliance carriers like Lufthansa, Austrian, Turkish, Air India, or Singapore for 42.5K miles each way (taxes are about $100-$150 round trip depending on the route you take)
| Card Offer and Review |
|---|
 ⓘ $357 1st Yr Value Estimate$150 Delta Stays credit valued at $75 Click to learn about first year value estimates 60K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 60K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)$350 Annual Fee Alternate Offer: Dummy booking offer of 70K + $400 credit. See this for more details. Recent better offer: 90K after $4K spend in 6 months [Expired 4/2/25] FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate |
How this card could cover your Maldives flights:
- Fly a combination of Delta, Virgin Atlantic, Air France, Alitalia, and/or Saudia for 50K each way. Note that taxes and fees can range from $30 to more than $200 each way.
Honorable mentions for economy class:
| Card Offer and Review |
|---|
 ⓘ $741 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60,000 points after $4,000 spend in 3 months$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75k after $6 spend in 3 months (ended 4/8/25) FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash Click here for our complete card review |
How this card could cover your Maldives flights:
- Fly Star Alliance carriers like Lufthansa, Austrian, Turkish, or Air India for 34K each way by transferring to Turkish Airlines Miles & Smiles (note that once you’ve met the minimum spending requirement, you’ll have at least 64K points, possibly more)
| Card Offer and Review |
|---|
 ⓘ $1096 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates 100K points + 10x Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 100K points after $8K spend in 6 months + 10x points at restaurants worldwide on up to $25K spend in 6 months. Terms apply.$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 175K points after $8K spend in 6 months. FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. |
or
| Card Offer and Review |
|---|
 ⓘ $1950 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $400 Dell credit ($200 per six months) valued at $100, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $500 statement credit when purchasing $2,500 of airfare valued at $150 Click to learn about first year value estimates Limited Time Offer: 150K points + $500 statement credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150K points after $20K spend in the first 3 months. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card(R) within the first 3 months of Card Membership.. Terms apply. (Rates & Fees) (Offer Expires 6/30/2025)$695 Annual Fee Recent better offer: 250K after $20K spend expired 2/10/25 FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Click here for our complete card review |
Note that sometimes there are targeted offers on these cards good for 85K-100K or more points after minimum spend.
How these cards could cover your Maldives flights:
- Fly round-the-world in economy class on Star Alliance Airlines with stops like New York, Amsterdam, Athens, Istanbul, the Maldives, Sri Lanka, Bangkok, Beijing, and return to New York for 75,000 points total with ANA Mileage Plan.
Business class: 1 credit card each way for Maldives flights
| Card Offer and Review |
|---|
 ⓘ $965 1st Yr Value EstimateClick to learn about first year value estimates 75K miles Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 75K miles after $5K spend in first 5 months$0 introductory annual fee for the first year, then $99 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75K miles after $5K spend in first 5 months (ended 1/21/25) FM Mini Review: This card usually has a great welcome bonus, but if you're looking for a card to keep long term, you'll find better options. |
How this card could cover your Maldives flights:
- Fly Qatar or Etihad or Cathay Pacific for 70K each way
| Card Offer and Review |
|---|
ⓘ $1385 1st Yr Value EstimateClick to learn about first year value estimates 125K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 125K miles after $5K spend in first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open. (Offer Expires 5/7/2025)$150 Annual Fee FM Mini Review: Decent perks such as enhanced access to United saver level economy awards makes this a keeper for some. |
How this card could cover your Maldives flights:
- Fly Star Alliance carriers like Lufthansa, Austrian, Turkish, Air India, or Singapore (note that Singapore releases very little premium-cabin space to partners) for 85K one way
| Card Offer and Review |
|---|
 ⓘ $438 1st Yr Value Estimate$200 Delta Stays credit valued at $100 Click to learn about first year value estimates 70K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 70K after $6K spend in first 6 months. Terms and limitations apply. (Rates & Fees)$350 Annual Fee Recent better offer: 100K after $8K in 6 months. [Expired 4/2/25] FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate |
How this card could cover your Maldives flights:
- Fly a combination of Delta, Virgin Atlantic, Air France/KLM, and/or Saudia from 95K miles each way
Honorable mentions:
| Card Offer and Review |
|---|
ⓘ $741 1st Yr Value EstimateClick to learn about first year value estimates 60K Points Non-AffiliateThis is NOT an affiliate offer. 60,000 points after $4,000 spend in 3 months$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75k after $6 spend in 3 months (ended 4/8/25) FM Mini Review: Very strong earnings for spend. Excellent bonus categories. Points transferable to select airlines. Recommend pairing this card with Citi Double Cash Click here for our complete card review |
How this card could cover your Maldives flights:
- Fly Star Alliance carriers like Lufthansa, Austrian, Turkish, Air India, or Singapore for 67.5K one way with Turkish Miles & Smiles (a Citi transfer partner)
| Card Offer and Review |
|---|
ⓘ $1096 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25 Click to learn about first year value estimates 100K points + 10x Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 100K points after $8K spend in 6 months + 10x points at restaurants worldwide on up to $25K spend in 6 months. Terms apply.$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 175K points after $8K spend in 6 months. FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. |
or
| Card Offer and Review |
|---|
ⓘ $1950 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $400 Dell credit ($200 per six months) valued at $100, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $500 statement credit when purchasing $2,500 of airfare valued at $150 Click to learn about first year value estimates Limited Time Offer: 150K points + $500 statement credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150K points after $20K spend in the first 3 months. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card(R) within the first 3 months of Card Membership.. Terms apply. (Rates & Fees) (Offer Expires 6/30/2025)$695 Annual Fee Recent better offer: 250K after $20K spend expired 2/10/25 FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Click here for our complete card review |
How this card could cover your Maldives flights:
- Note that these cards sometimes offer targeted welcome bonuses of 85K-100K points (we’ve even seen an offer as high as 150K on the business version). Fly round-the-world in business class with stops like New York, Amsterdam, Athens, Istanbul, the Maldives, Sri Lanka, Bangkok, Beijing, and return to New York for 115,000 points total with the ANA round-the-world chart (ANA is an Amex transfer partner).
- Alternatively, use Cathay Pacific Asia Miles (another Amex transfer partner) to fly in business class one-way from the US for 85K miles or possibly less with a mixed-cabin award.
Covering your Maldives hotel with credit card rewards
After publishing the video above, I recognized an arithmetic error that requires slight modification of the plan for the card and hotel I mentioned, though there are actually a few options to cover luxury hotels with a credit card or two and it is possible to get as many as four free nights in the Maldives with one credit card welcome bonus.
| Card Offer and Review |
|---|
 ⓘ $1120 1st Yr Value Estimate$400 Hilton resort credit ($200 per six months) valued at $280, Hilton Free Night valued at $490, $200 airline credit ($50 per quarter) valued at $160 Click to learn about first year value estimates Limited Time Offer - 175K Points + free night certificate ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply. (Offer Expires 4/29/2025)$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: (Expired 1/9/25) 175K + free night award after $6K in spend FM Mini Review: This card is loaded with valuable perks that are more than worth the card's annual fee if you stay in Hilton resorts at least twice per year. |
How this card could cover your Maldives hotel:
- This card comes with 1 free weekend night at nearly any Hilton hotel every year, so you could get 1 free weekend night at the Conrad Maldives as an annual benefit (you receive your first free night certificate about 12 weeks after approval). At 95K points per night for additional nights in an overwater bungalow at the Conrad Maldives, one would need 190K points for 2 nights. Depending on which categories see most of that spend, it is possible to have earned a total of 190K or more given the current welcome offer.
- Perhaps even more interesting is playing this game with a partner. Since Hilton offers the 5th night free on award stays, five nights comes to 380,000 points. Hilton also allows you to combine points with other members, so if your significant other is approved for the same card, you could have well over 300K points from the welcome bonuses before factoring in the points earned to meet minimum spending requirements. Keep in mind that Hilton often sells points for half a cent each if you need to bridge a gap.
- Two additional bonuses:
- This card comes with automatic Hilton Diamond status, which means free breakfast for 2 daily at the Conrad Maldives. At the time of writing, the Conrad Maldives also offers and afternoon cocktail hour where Diamond members can get a free alcoholic drink.
- A further feature of the card is a $250 resort credit each calendar year, meaning that the first $250 you spend with select resorts like the Conrad Maldives is rebated on your card. You could use this toward dinners, drinks, or even the sea plane ride.
| Card Offer and Review |
|---|
 ⓘ $1127 1st Yr Value EstimateClick to learn about first year value estimates 90K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 90K after $8K spend in 3 months$95 Annual Fee Recent better offer: 120K after $8K spend (expired 9/4/24) FM Mini Review: Great card for welcome bonus and 3X categories. Also consider the Ink Business Cash for its 5X categories, and the Ink Business Unlimited to earn 1.5X everywhere. |
How this card could cover your Maldives hotel:
- Stay at the Park Hyatt Maldives in a Park Villa (a private beach villa) for 30K points per night. After meeting the minimum spending requirement on this card, you would nearly have enough points for three free nights.
- Bonus tip: If you have a friend who is a Hyatt Globalist member, you can transfer your Hyatt points to that Globalist and ask them to book your room as a Guest of Honor stay. This would entitle you to Globalist benefits, including free breakfast for 2 each day.
- Note that the sea plane transfer is quite expensive
| Card Offer and Review |
|---|
 ⓘ $732 1st Yr Value EstimateClick to learn about first year value estimates 140k points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Five 60K free night certificates after $4K spend in 3 months (expired 9/4/24) |
How this card could cover your Maldives hotel:
- The Holiday Inn Resort Kandooma Maldives costs just 45K points per night. After meeting the minimum spending requirement for the welcome bonus, you would have enough points for four free nights. That’s because one of the benefits of this card is the 4th night free on award stays — so 45K per night times three equals 135K points and then your fourth night is free.
- Keep in mind that IHG often sells points for half a cent each, meaning you can buy the points to stay here for $225 per night (less if you have this credit card and therefore get the 4th night free).
Maldives flights & hotels with 2 credit cards bottom line
The Maldives are far from the US and quite isolated, which make these islands an exotic and expensive dream destination for many (while for others those qualities are a non-starter). While food and sea plane transfers are still going to be quite expensive in the Maldives, the two parts that are traditionally most expensive – flights and hotels — simply don’t have to be expensive at all. There are numerous ways to leverage credit card rewards to cover the most expensive parts of the trip, making an exotic tropical island paradise closer than it seems.
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[…] Maldives flights and hotels with 2 credit cards […]
[…] Maldives flights and hotel with 2 credit cards […]
Hi Nick, is it any help to have a friend with mid-level Hyatt status, Explorist. To transfer points, and receive the Hyatt benefits? Will a Hilton Gold status help or does that need to be diamond. We have lots of both points. Thanks Nick
This is a great series, Nick! As someone who considers himself an intermediate-level hobbyist, I always appreciate posts like these.
From “sweet spot highlights” to “bottom line reviews”, you guys have some pretty good series going on. Is there a way on the site to search specific series??? I suppose I can enter a search on the “search this site”, but I was wondering if it would be helpful for other readers to make a folder for these series.
Not sure about bottom line reviews, but for sweet-spot highlights, you can find it under resource, ctrl+f
“Frequent Miler’s Sweet Spot Spotlight series.”
Thanks for the tip, Alex!
Nick, good article. What would be eye opening is to show “all” costs in getting the points, and fees for airlines and hotels. Nothing is “totally” free, but getting flights with points make is much easier. Costs would be all fees associated with credit cards. This would help us beginners understand the details of doing such trip.
Thanks for detailing out this trip, very useful. Please do more real world scenario write-ups like this, which help to ground a hobby which can sometimes seem intangible with points that come and go in value. In particular, I’m interested in the ANA Biz RTW for 115k transferred Amex points…have you written a post on this? Where can I find more details?
Yes, I linked to it directly in that sentence about it above, but here’s the link again:
https://frequentmiler.com/ana-around-the-world-ticket-sweet-spot-spotlight/
Thanks I overlooked that!
I am not sure if I will still be alive to see the Maldives!
COVID-19 is now in San Diego, CA.
Oh com’on JB. As long as you’re not over 65 years old with co morbidities, your chances of dying is extremely low. Just use universal precautions, stay 6 feet away or more from people who are sick, wash your hands frequently, and try not to touch your face too much. 🙂
LoL…Nice motivating answer!
I was just joking. Coronavirus my A$$!
Haha, I knew you were joking, that’s why I wrote my comment in jest with the smiley face 😉
In 2 months or 6 months should b back to normal .I think we all including me are a little spoiled by all the free air or 5* hotels for cheap . If u have to travel for business that’s another story .Let’s hope all goes back to normal so we can just complain about the award programs or air service . Let’s hope too all the OLD People as in me didn’t hit the sell button on their 40K’s or they will be home forever .
CHEERs
Reuters is now reporting that the Maldives has two resort workers who have tested positive with Corona virus.
I’m sure their not working there I bet . Lot’s of rich Chinese I meet them all over the world .
CHEERs
Maldives:
Health authorities said they had stopped travel to and from the Kuredu Island Resort and the Summer Island resort, while officials conduct
contact tracing and take necessary precautions.