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Preparing to book that absolute flight and auberge break with rewards becoming on your biking acclaim agenda is a thrill. After extenuative up for years, it’s assuredly accident — you’re about to booty a once-in-a-lifetime cruise for free.

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Well, at atomic that’s the plan.

But budget-conscious travelers, booty note: Although it’s accessible to book a cruise with rewards that accomplish your flight or auberge break absolutely chargeless — or about chargeless — it doesn’t consistently assignment out that way. It’s additionally absolutely accessible you’ll still accept to pay hundreds of dollars in fees. But with some planning, you can abstain or abbreviate these charges.

Say you appointed a one-way flight from John F. Kennedy All-embracing Airport in New York City to London Heathrow Airport on British Airways application Avios, the airline’s accolade currency. For a business-class admission costing 60,000 Avios, you’d additionally pay about $530 in “taxes, fees and carrier charges,” as of this autograph — far added than you’d about pay on an accolade ticket. In particular, those carrier-imposed accuse annual for the majority of that total. You’ll acquisition out about these accuse afore you accomplishment booking your ticket.

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“Any taxes, fees or accuse adjourned on accretion tickets (or any of our tickets) are absolutely appear above-mentioned to purchase,” a backer for British Airways said by email.

But that added amount could catchbasin the amount of your rewards and bandy a monkey bend into your vacation budget.

British Airways — which afresh agreed to achieve a class-action accusation apropos to fees activated to tickets purchased with rewards in the U.S. — isn’t the alone airline that accuse affluence on assertive accolade tickets. Added all-embracing airlines, such as Lufthansa and All Nippon Airways, additionally accept surcharges on their accolade tickets, for example.

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How to lower your costs: Redeeming your rewards through a altered airline or adjusting your route, dates or book chic could accord you a bigger deal. Keep in apperception that surcharges like these don’t about administer to calm flights.

You ability not accept paid abundant in banknote for your accolade ticket. But that could change if your agenda does.

“If you appetite to change or aish [your ticket], they can allegation you a fee for that, to put the afar aback in your account. I’ve apparent that fee as aerial as $150,” says Paul Hudson, admiral of airline commuter advancement accumulation FlyersRights.org. These charges, which are generally said to awning the amount of redepositing rewards into your account, can get steeper as you get afterpiece to your trip.

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Likewise, some hotels allegation “no-show” fees to association who don’t analysis in to accolade night stays and administer accuse to those who aish too aing to the catch dates.

How to lower your costs: Afore booking a trip, analysis the action on alteration or abandoning flights or stays paid for with rewards. In some cases, accepting aristocratic cachet ability acquiesce you to change your affairs after advantageous a fee. Alternatively, application a acclaim agenda with cruise abandoning allowance that covers accolade biking ability help, for covered events.

A resort fee, which is answerable at assertive hotels or resorts and generally ranges amid about $15 and $45 a night, is “a binding allegation for a array of services. In added words, it may be for towels at the pool, a chargeless newspaper, Wi-Fi access, maybe gym access,” says Kenneth Free, admiral of Straightline Hospitality, a auberge consulting firm. For hotels and resorts, these fees are above accumulation centers, he notes. While all guests about pay the binding fee, not all guests will use the casework they acceptation to cover.

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Often, hotels and resorts abandon these binding fees on accolade night stays — but not always.

Say you capital to break at the Palazzo Las Vegas application IHG points, from InterContinental Hotels’ adherence program. You’d still accept to pay for the resort fee — $45 a night — and taxes separately. Added IHG backdrop appear with agnate charges, alike back you’re advantageous with points. Similarly, Marriott addendum in its agreement that for stays paid for with rewards at accommodating properties, the resort fee is the “responsibility of the member.”

“In my opinion, giving a chargeless allowance to a adherence club affiliate and charging them commodity on a binding base that they may or may not use, I anticipate that’s the amiss approach,” Chargeless says.

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How to lower your costs: Although some hotels do allegation resort fees, best don’t. If you’re adverse huge accuse at checkout online, try redeeming your rewards at a altered area with lower fees or no fees. Some auberge chains, such as Hilton and Hyatt, abandon resort fees for acceptable accolade stays.

This commodity was accounting by NerdWallet and was originally appear by Forbes.

Claire Tsosie is a biographer at NerdWallet. Email: [email protected] Twitter: @ideclaire7.

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