The offers for the cards listed in this post have expired. Click here for the top current credit card sign up bonuses.

I get a lot of emails from people who want to travel with a companion, but their companion can’t open credit cards. Maybe the companion doesn’t have a social security number or just has bad credit. Whatever the reason: can one person get enough miles for two people to take a vacation in style?

Here’s a typical email from Dan:

I am interested in using you for award booking for a European vacation for Summer 2014 in business class.

I am also interested in having you help me determine a strategy for which cards to get in order to execute this trip.

Let me tell you my situation:

My wife can open credit cards for herself and a business, but I can’t. We dipped our toe into the awards card world by signing up for 3 cards over 3 months:

  • Delta Gold Amex, 12/12
  • SPG Amex, 1/13
  • Barclays US Air, 2/13

The more I read, the more I realize that going with Delta was probably a mistake.

I’m coming to you for advice as we plan our first app-o-rama. For the trip we want, should we stick with Delta? Or do we have time to focus on another carrier?

Our current balances are:

  • Delta 31k
  • SPG 30k
  • US Airways 40k

Not only can Dan and his wife get to Europe in business class, they are only one three cards away.

The Plan

US Airways and United are partners, both members of the Star Alliance. That means US Airways miles can be used on

  • US Airways flights
  • United flights
  • Star Alliance flights
  • or any combination thereof.

United miles can be used on those same

  • US Airways flights
  • United flights
  • Star Alliance flights
  • or any combination thereof.

Both US Airways and United charge 100k miles roundtrip to Europe, so if you get 100k of each type of miles, two people are all set to fly roundtrip in business class on the same flights.

Dan’s current balances are very helpful, so his wife just needs to get three cards to fill the gaps.

  1. US Airways Premier World MasterCard with 30,000 US Airways miles after first purchase
  2. Chase Sapphire Preferred with 40,000 Ultimate Rewards after $3,000 in spending in the first 3 months
  3. Chase Ink Bold with 50,000 Ultimate Rewards after $5,000 in spending in the first 3 months

Dan already has one US Airways MasterCard, but in pretty much everyone’s experience, you can get two. See Easily Earn 110k US Airways Miles. (And by the way, be on the lookout for the targeted 15k offers in the mail for continued spending on the card.)

There isn’t much to say about the Sapphire Preferred. It has been the “it” card for the last 18 months in the frequent flyer world. Dan would be better off getting the Chase United Explorer card if he can find it with a 50,000 mile bonus offer, but if not, then he should get the Chase Sapphire Preferred.

The Chase Ink Bold is a business card.

Get those cards and meet the minimum spends, and your new balances will be

  • Delta 31k
  • US Airways 70k
  • SPG 30k
  • Ultimate Rewards 98k

Dan will probably have over 100k Ultimate Rewards since the Sapphire Preferred offers 2x points on dining and travel, and the Ink Bold offers 5x points at office supply stores, and on cellular phone, land line, internet, and cable TV services (on the first $50k of spending annually.) Worst case scenario: he buys the last 2k Ultimate Rewards for $50.

Remember that his goal is to have 100k United miles and 100k US Airways miles. Here’s how to get there.

Transfer 100k Ultimate Rewards to United. Now he has 100k United miles.

Transfer 25k SPG to US Airways. This will show up as 30k US Airways miles with the automatic transfer bonus. Added on to his balance of 70k US Airways miles, he will have 100k US Airways miles.

Dan has now met his goal of having 100k United miles and 100k US Airways miles.

That’s enough to get two seats on the same flights on a roundtrip in business class to Europe.
Dan’s QuestionsDo I combine the United and US Airways miles?No. You use the United miles to book one award on united.com or by calling United at 800-UNITED-1. You use the US Airways miles to book one award by calling US Airways at 800-622-1015. You just make sure each award has the same flights, so you’ll be on the same planes with each other.We are booking through different carriers, I assume we will attempt to book seats together, and that the only differences will be what counter we go to for check-in?

The way to choose seats is to call the operating carrier and request seats. So if your flights are on Lufthansa, you call Lufthansa.

You check in at the operating carrier of the first flight, so you check in at the same counter at the airport.

Recap

One person can earn enough miles for two people to travel in style to Europe. The key is to earn 100k United miles and 100k US Airways miles. The miles can’t be combined, but they can be used to each book one seat on the same flights, so the two companions can travel together.

Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are the author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

The comments section below is not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all questions are answered.