but eventually I got paid back,' he says. Because everyone all had to get back to work, they all had to purchase new flights on other airlines, rather than waiting for the rebooked flight Spirit offered days later. The group flew Spirit Airlines, and the airline canceled its service to the city during the trip so nobody had flights home.

The only big hiccup was his bachelor party in Cartagena, Colombia. It might sound risky but with one exception, Hutchins says he can't remember his friends ever flaking out on paying him back. He has 16 credit cards and a credit score of 817, while Amy also has several cards in her name, too. Hutchins admits his credit card usage is 'extreme.' The average person has about three credit cards. Yet despite spending his rewards, he still racks points up at a higher rate than he spends them, hence the current 10.3 million total. Hutchins says he cashed in points for a flight to Denver last month because it was a better deal. 'With credit card rewards, the magic is finding the thing that you care about that you can use them to maximize it,' he says.Īnd not all the points are used to jet to exotic locales. Over the years, Hutchins and his wife have taken trips to Europe, India, Egypt, Japan, and even Bora Bora last year, all using credit card points. The rewards allow him to indulge in the one thing he loves but would never otherwise splurge on: travel. Racking up credit card reward points is not just about hitting the big number, Hutchins says. His points total across all of their cards does fluctuate month to month, especially when the couple is planning their latest travel adventure. That's not to say he never spends down the reward points he, along with his wife, Amy, have been carefully accumulating.

For the last five years, he's been steadily working toward the next milestone, which he officially hit this month.

'When I first started I wanted to get a million.' Hitting seven digits only spurred him on more. 'It's been an evolving goal,' Hutchins tells CNBC Make It.

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