Over the years, I have blogged only occasionally about my hobby of earning frequent flyer miles for travel on the cheap. I have been earning miles and points in some form since before I had kids more than a decade and a half ago. Friends and frequent readers likely already know that miles and points are critical to funding our family's frequent travels, and travel rewards credit cards are a big part of my overall points-earning strategy.
Families Need to Get Smarter About Credit Card Rewards for Travel
A huge part of earning miles and points is getting travel rewards credit cards and using them smartly and responsibly for maximum rewards. There are a million miles and points blogs out there that tell you how to do just that. As those blogs have become increasingly expert, however, they've left a real gap between the obsessed and the clueless. People seem to either dive in headfirst and become all-consumed by the minutiae or they get totally overwhelmed and give up before they start.
It doesn't have to be that way. I know of so many friends and readers who are tired of being in the overwhelmed and clueless category but who also don't want to invest the time and take the risk to do as the miles and points blogs do. These are regular traveling parents who just want to get one or two good rewards cards for their families. And keep them and use them. What a novel concept!
Many of these travelers have a credit card that either offers no rewards or offers rewards that are vastly inferior to credit cards out there in the market today. In a lot of cases, parents may still have the credit card they signed up for in college! I get emails and have conversations regularly with traveling parents who just want a little guidance for switching to the right card or two for them.
If you are a busy parent without the time to become a full-blown miles and points enthusiast, there is no reason you shouldn't be earning some basic and lucrative rewards with the right credit card. I definitely have some ideas for that below to get you started.
One important editorial note: Credit cards get many people into financial trouble. I have warned often that these travel rewards cards are not for you if you have debt issues or cannot pay balances off in full every month. The interest fees on outstanding balances carried on a credit card will far exceed the rewards. But if you are a responsible user of credit and are just looking to maximize rewards for the spending you have, this post is for you.
Best Credit Cards for Traveling Families
1. Chase Sapphire Preferred
The Chase Sapphire Preferred was a card I started out with fairly early in my points-earning journey for several years. We've just come full circle on it as my husband recently returned to it as he realigned several cards in his wallet.
This card helps you earn flexible Chase Ultimate Rewards points. These points can be used to redeem for travel with a fixed value in the Chase Travel portal. But they can also be transferred to several other airline and hotel loyalty programs: United Mileage Plus miles, Southwest Rapid Rewards points, Marriott Bonvoy points, World of Hyatt points, and many more. The flexibility is truly tremendous.
With 3x points on dining, including eligible delivery services (think Uber or DoorDash), 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs), 3x on select streaming services and 2x on all travel purchases (portal use NOT required), and no foreign transaction fees among its many benefits, it is a good fit for traveling families. It doesn't have a huge annual fee or a lot of complicated rules or exceptions, so I find it ideal for beginners and intermediates in the travel rewards world.
Bigger spenders or more frequent travelers might want to consider its big brother/sister, the Chase Sapphire Reserve (a card I personally have held for many years). The Chase Sapphire Reserve has a much more significant annual fee ($795) which may rightfully scare off beginners, but it comes with some other additional perks or credits that can help offset the annual fee that may be well worth it for more frequent travelers.
Best Features: Highly flexible points, earning 2x rewards on travel and 3x on dining
Who It's Best For: Families who have significant travel and dining expenses, international travelers looking for no foreign transaction fees.
What to Watch Out For: Annual fee ($95)
2. Blue Cash Preferred® Card from American Express
If you are a parent, chances are you are feeding a hungry family and spend a lot of money at supermarkets. You are probably also carpooling your kids everywhere and spending a lot of money on gas. That's why I love this card for traveling parents.
It rewards the everyday spending that families regularly do at a much higher rate - 6% back at US supermarkets up to the first $6000 in spending, 6% back on select streaming services, and 3% cash back at US gas stations and transit purchases (including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways), all for a modest Annual Fee of $95 (waived the first year).
In addition, there is a $120 Disney streaming credit ($10/monthly) for Disney+, Hulu or ESPN+ subscription. This alone can offset the $95 AF.
And the rewards come in the form of cash back. Cash allows you to book travel however you want to book it without the stress of airline award seats not being available. Not everyone wants to learn a lot of airline, hotel, or even credit card point currencies. If that sounds like you, a cash back card like this one could serve you well.
Best Features: Lucrative bonuses for US supermarkets and US gas stations.
Who It's Best For: Big families with big everyday expenses.
What to Watch Out For: Welcome bonus not as lucrative as many travel points cards (currently $250 statement credit after $3000 in spending the first 6 months).
3. Southwest Rapid Rewards Plus Credit Card
While Southwest isn't an airline every family traveler has access to, it is greatly preferred by many travelers with kids who have it as an option close to home. Southwest is the airline I recommend most for family travelers and take most often myself. (Related: Complete Guide to Flying Southwest with kids). So it goes without saying that a card offering Southwest Rapid Rewards points is just the right fit for families who "luv" (see what I did there?) flying the airline.
Even though Southwest has had a number of changes in 2025 that may not be for the better, Southwest Rapid Rewards points remain the easiest for families to use of any major airline rewards program. If there is a seat on the plane, you can book it with points (no availability restrictions and ridiculous saver vs. regular redemption tiers that make you spend double or triple the points on a flight like on other airlines).
There are three personal Southwest credit cards, so be sure to check out my comparison guide to pick which Southwest card is right for you.
Why did the Southwest Rapid Rewards Plus Credit Card, in particular, make this list? This card carries the lowest annual fee of the bunch ($99), so for more infrequent travelers, chances are good it is the right starter pick for you to get you the basic benefits families need most. More frequent Southwest flyers should likely choose the card that is currently in my wallet -- the Southwest Rapid Rewards Priority Credit Card.
The biggest benefit of this card is a free checked bag for the cardholder and anyone else booked under the same reservation number. A family checking two bags on a roundtrip flight would pay more than the card's annual fee in checked bag fees, so the card can quickly pay for itself. The card also allows you (and all fellow travelers booked on the same reservation) to select standard seats 48 hours before the flight, so it greatly improves your chances of sitting together as a family without having to pay seat selection fees.
Best Features: Usually fairly generous signup bonuses with accompanying low minimum spend (wait to apply until it's at least 75k!); simplicity of an easy-to-use single airline program.
Who It's Best For: Domestic U.S. travelers near airports served by Southwest.
What to Watch Out For: Annual fee not waived the first year, Southwest doesn't fly everywhere (but... Southwest to Hawaii anyone?!?)
4. American Express Gold Card
For families who spend a lot of money at supermarkets and on dining out, the American Express Gold Card is a credit card that does some heavy hitting. The card earns 4x Membership Rewards points on US supermarkets (capped at $25,000 per year) and restaurant spending worldwide (capped at $50,000 per year). My family added this card to our wallets years ago after finding it to be a very good rewards-earning match for our lifestyle.
Like Chase Ultimate Rewards, American Express' Membership Rewards is another flexible points currency that gives your family a wide variety of travel options instead of locking you into a single airline or hotel program. These points transfer to other programs like Hilton, JetBlue, and Delta Airlines, but their value can really be magnified by some of the foreign airlines partners like British Airways Avios (which can be used to book flights on American Airlines). This is definitely a card for families in the more intermediate category.
The Gold Card comes with monthly or semi-annual credits that can be used to offset the $325 annual fee. Those include a $100 Resy credit ($50 semi-annually), $120 Dining credit ($10 monthly) that can be used at Grubhub (including Seamless), The Cheesecake Factory, Goldbelly, Wine.com and Five Guys, a $120 Uber Cash credit ($10 monthly) that can also be used at Uber Eats, and $84 Dunkin’ Credit ($7 monthly).
Best Features: Earns flexible American Express Membership Rewards points.
Who It's Best For: Big supermarket spenders or frequent restaurant customers.
What to Watch Out For: High annual fee ($325); AmEx not always accepted everywhere (including often at smaller local restaurants)
Do you have other cards that have worked well for your family for earning easy travel rewards? I'd love to hear what works and why!
Jessica Sanders says
There may be specific ones to try for a specific trip. For example, we used Hawaiian Airlines cards when planning and booking our trip to Hawaii. It helped us go on a 2 week Hawaiian vacation paying for 5 tickets, we island hopped and everything (flights, food, lodging, entertainment, etc) cost us $5,000. That's less than $100 per day per person. On that same trip my in-laws used Alaska Airlines CC since they have awesome companion fares for CC holders.