Get there with the fewest miles

Name: RewardExpert.com.

What it does: The website uses an algorithm to develop a strategy to help travelers reach their destinations using the fewest points or miles.

What's hot: The free online service rewards you with a quick plan; there's no emailing someone and waiting for a reply. It also has a helpful feature on how to earn more miles (and reach your destination faster) if you use its partner offers, such as a stay at Starwood Hotels to get 1,000 Delta Sky Miles or signing up for DirecTV for 25,000 United MileagePlus Advantage Miles. If you don't use a travel rewards credit card, it can suggest one with a hefty sign-up mileage bonus once minimum spending requirements are met.

What's not: The site asks you how much you spend each month on your debit and credit cards. To pay for your vacation with points, you might need to switch to a credit card instead of a debit card. If that makes you uncomfortable, it might take you longer to redeem your points or miles for a trip.