Hi,

I'm trying to maximize my points for an anniversary trip with my wife. The issue is that we also have two small children, so how can I get all 4 of us to the (preferably) Maldives with my points to minimize the cash pain. I have the following points:

Citi - 180k
Chase - 200k
IHG - 170k

Flights would be from Macau or Hong Kong rather than North America. My wife currently has no cards in her name, and we have time to apply for and earn probably 3-4 more credit card bonuses in that time. I am at 4/24 but already have the IHG, Citi Premier, Citi Prestige, Sapphire Preferred, and Sapphire Reserve so it would have to be a different program.

I realize that F is out of the question, but hoping to do J for 4. I threw in the IHG points, but hoping to stay somewhere a little nicer than the Holiday Inn in the Maldives. The IHG points would probably be better for something like Bora Bora which is a distant second choice.

Any ideas?