Where would you like to go on vacation if you could fly for free? Would you travel by yourself or with a partner? Tell us where you want to go, and what airport you are flying out of, and we can suggest what airline it would be best to concentrate on.

The best mile bonus offers right now are the Citi AA cards; apply for 2 personal cards at the same time and you can get 150,000 AA miles for spending $5,500 in 6 months. Look at AA's reward chart and see how far that would get you.

To find out if your credit is good enough, you can apply to find out, pay for a credit score, or use a website like Credit Karma or Credit Sesame to see what your "simulated" credit score is.