Level 1: You like packaged vacations, cruises, all-inclusives. You don't like a lot of hassle planning and tracking things, but you like getting a bargain and maximizing value

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Level 2: You don't mind investing some time planning your travel, and willing to pay a little in credit card changes to get a lot.  You are willing to search for uncomplicated flights bookings and stay at major hotel chains for free or discounted opportunities

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Level 3: You are ready to juggle multiple airline programs, mixing and matching flight tickets as needed.  You like business class comfort, and are willing to invest time, some money and energy into truly maximizing credit card opportunities

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Level 4: You know the basics, juggle between various programs with ease, maximize your credit card bonuses and adhoc opportunities. You are ready to play in the ultra elite space

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