Let me set the scene for you. Eleven people. One trip to Europe. And for seven of them, it was their very first time ever using points and miles to travel.

When my family decided to do a big multigenerational trip to Europe, the task was clear: if we couldn’t make this affordable using points and miles, some of us weren’t going to be able to go. My family has been on points and miles family travel for years, but my parents and my sister’s family of five were starting from scratch. Here I’m sharing the behind-the-scenes of how we pulled it off, what we got right, and what I would tell any family that wants to take a first or big trip on points and miles.

Points and miles are possible to learn, even for total beginners, with the right strategy. You do not need to be a frequent flyer or have a huge income to make it work. If your family also wants to travel to Europe on points and miles, I’m here to help. My new Family Travel Rewards Coach app offers personalized plans in less than 15 minutes a day to help you achieve your travel goals. Learn more here, and read on for our own (realistic) success story.

Start by Taking Inventory of What Everyone Already Has

The very first thing I did was ask a lot of questions. Before you can build a points and miles strategy for a group, you have to know what you are working with. For every family traveling, I asked the same things:

• What credit cards do you already have?
• Do you have any points sitting on them right now?
• What is your credit score?
• When did you last open a new card?
• Roughly how much do you spend on a credit card?
• Does anyone own a business or have a side hustle?

That last question matters more than people think, because business cards can seriously accelerate your points earning, and you do not need a big company to qualify. A side hustle, a rental, or freelance work can count. Learn more about qualifying for business cards here.

The answers led us to our starting point. My sister’s family had a small stash, under 50,000 points in total, on one Capital One Venture card and an American Express business card. My parents, on the other hand, were sitting on close to 300,000 points on a Bank of America travel card that they didn’t really know how to use. Taking inventory is what let me build a different plan for each household instead of a one-size-fits-all guess.

Build a Card Strategy for Each Family

Here is the key mindset shift for points and miles for beginners: there is no one size fits all strategy. While there are some cards that are generally valuable for most people, a good strategy is personalized. Someone with excellent credit who has not opened a card in three years is in a great spot for a big welcome bonus. Someone who just opened two cards last month probably needs to wait. And, of course, you want to consider if you’re just building a flexible points stash, or if you’re working towards a trip goal.

Since we knew where we were going and we had only about six months to earn the points we needed for our flights, we had to choose an airline that would offer lower points redemptions. That led us to Virgin Atlantic, which offers saver fares in economy starting at 6,000 points per ticket one way from the East Coast, and 29,000 in business class.

Every major bank transfers to Virgin Atlantic, and they offer family/household points pooling, making it the best choice for us. Keep in mind that Virgin Atlantic does have higher taxes and fees on award flights, so you may want to consider another airline for your own Europe on points and miles trip. However, this was by far the best option for us with little time to earn.

My parents wanted to fly business class, and needed to earn a large welcome offer quickly. So I started them with an American Express Platinum. I would normally never recommend this as a starter card to someone new to this hobby because American Express hierarchy rules make it more strategic to start with the American Express Green, then move to the Gold, then move to the Platinum. However, my parents aren’t planning on staying in this hobby, so the focus was just getting them the most points in the shortest time.

My sister started with one of my favorite beginner cards, the Chase Sapphire Preferred, because her family spends a lot on online groceries from Instacart and takeout. Her family also plans to be in this hobby for longer, so I wanted to ensure she had a keeper card.

A few ground rules I always recommend:

• Only put normal spending on the card. Never buy things you would not otherwise buy just to hit a bonus.
• Pay it off in full every month. If you carry a balance, the interest wipes out the value of the points. This only works if you treat the card like a debit card.
• Be patient. The welcome bonus is where the real value is, so do not rush to the next card before you have earned the one in front of you.

How We Booked the Flights to Europe on Points and Miles

Our trip included a land tour in southern Italy, since my dad wanted to see where his family came from. Next, we left Italy for a Mediterranean cruise.

Check every airport near you, not just your home one

We are in the Philadelphia area, but I did not limit myself to PHL. I looked at flights out of Philadelphia, Newark, JFK, DC, and Baltimore, because award availability and pricing can be wildly different from one airport to the next. A short drive or a cheap positioning flight to a different airport can save you a mountain of miles. To map out which airlines even fly the route, I used a free tool called FlightConnections.

Compare the options before you transfer anything

When I priced out economy round trip per person, the difference between programs was huge:

• American: around 87,500 miles, Philadelphia to Naples
• United: around 77,000 miles, Newark to Naples
• Virgin Atlantic: around 24,000 miles, JFK to London, then onward to Naples

Read that last one again. Virgin Atlantic was a fraction of the others. That is the whole game right there. Same ocean, same destination, wildly different price depending on which airline’s miles you use and how you route it. This is why I never just book with the first airline that comes to mind.

We put it to a vote in our group, and Virgin Atlantic won by a landslide. The other reason it was such a smart pick: American Express, Chase, Capital One, Citi, and Bilt all transfer to Virgin Atlantic. That meant almost everyone in our group could get there from whatever flexible points they were earning, instead of being locked into one airline’s currency.

Use free tools to check award availability

Award seats are limited, especially when you need a lot of them at once. Since our flights were almost a year out and not even released yet, I used June of the previous year as a stand-in to get a feel for how many points we would likely need and how available the seats tend to be.

There are paid tools for this, but there are good free ones too, so you do not have to spend money to start searching. Always confirm what you see directly on the airline’s website before you transfer any points, because once you transfer, you usually cannot transfer back. For this trip, I used point.me/amex, which is always free for American Express cardholders, and seats.aero, which has free and paid versions. If you want to use the Pro version of seats.aero, but don’t want to pay for a whole year, just sign up for a month when you’re looking and cancel.

Book one way for flexibility

We always book our flights one way rather than round trip. It gives us maximum flexibility, and it buys some of our family members more time to keep earning points for their return leg. Award pricing is usually the same whether you book one way or round trip, so you rarely lose anything by splitting it up, and you gain a lot of options.

Get Creative: Transfer Partners and Repositioning

Transfer partners are your superpower. Flexible points from banks like Amex, Chase, Capital One, Citi, and Bilt can move to many different airlines. That means you are not stuck. If one airline wants a fortune in miles, you check that bank’s other partners and find the one that prices the same flight far cheaper. That is exactly how we landed on Virgin Atlantic.

I offer free transfer guides for my e-newsletter subscribers. Sign up here, then drop me a line for links.

Repositioning opens up cheaper awards. Sometimes the best deal is not from your home airport at all. Flying yourself to a different city first, called a positioning flight, can unlock much better award space. It sounds advanced, but it is really just being willing to look one step beyond the obvious route.

Booking Our Lodging

Hotels and lodging are another area where you can easily use points and miles. Hyatt in particular is a sweet spot for families and offers locations across Europe, in addition to other well-known chains like Marriott and Hilton. Choice Hotels also has a sizable footprint in Europe.

However, we were doing some unconventional lodging since we were going to be in a very rural area in Italy, and then we immediately got onto a cruise. For Italy, we stayed at Country House Nonna Pina, an agriturismo run by a family that also offers meals with local ingredients made by the owner. We really enjoyed our stay here, and we were able to “erase” the cost using Capital One Miles.

Booking the Cruise

After the land tour, we boarded a ship for a Mediterranean cruise from Italy to Croatia, Montenegro, and Greece, which was another place that the ability to “erase” travel purchases was essential. Certain cards, like the Capital One Venture, let you redeem points for a statement credit, as well as the Bank of America Travel Rewards card my parents already had, and some Air Canada Aeroplan cards.

For a cruise, the best strategy is to only pay the minimum deposit at booking, continue earning points before the final deposit is due, and erase a large portion of it after the final payment hits your statement.

Final Thoughts

Coordinating points and miles travel for eleven people across three households was, I’ll be honest, a lot. But experiencing this trip together as a family made it all worth it. Rewards travel really is for anyone who is willing to learn.

As always, if you have questions or want help figuring out where to start, send me a message on Instagram. I’m also a certified travel advisor, planner, and strategist, and I’d love to take trip planning and booking off of your plate. Fill out my trip planning form and tell me a little about the trip you have in mind, and I’ll be in touch about next steps. Happy travels!

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  Advice | Europe | Family | Featured | How to | Hyatt | North America | Rewards Travel | United States | USA

  Why Hyatt Hotels Is the Best Brand for Family Rewards Travel

  ByMari October 21, 2026October 21, 2026

  When it comes to finding the perfect hotel for our family vacation, Hyatt consistently stands out. With an amazing rewards program, family-friendly accommodations, and unbeatable perks, Hyatt hotels makes it easier to travel with our family for way fewer points than other hotel brands (sorry, Marriott and Hilton!). When it comes to rewards travel, brand loyalty always pays off. Here’s why Hyatt has consistently been the best hotel brand choice for our family, for redeeming points at the best value, earn rewards, and stretching our travel budget.

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  Abroad | Advice | Capital One | Chase | Europe | Family | Featured | How to | Italy | Rewards Travel

  How We Booked Europe on Points and Miles for a Family of 11

  ByMari October 19, 2026October 19, 2026

  How we booked Europe on points and miles for a family of 11: our card strategy, Virgin Atlantic award flights, and how we erased our lodging and cruise.

The post How We Booked Europe on Points and Miles for a Family of 11 appeared first on Mari on the Map.

_{This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.}

The Chase Sapphire Preferred® Card is the perfect starter card for families looking to dive into the world of rewards travel. It offers easy-to-use benefits, flexible points, and exceptional transfer partners that make it ideal for family vacations. It was the first card that my husband and I both opened when we started out as rewards travelers, and we both still hold it in our wallets today! Here’s why it’s the card you need in your wallet.

Chase Sapphire Preferred Overview

The Chase Sapphire Preferred® is currently offering a rare 100,000-point welcome bonus after you spend $5,000 in the first 3 months. With a reasonable $95 annual fee, it packs in powerful perks that make it one of the most beginner-friendly cards for earning travel rewards.

To earn the 100,000-point sign-up bonus on the Chase Sapphire Preferred® Card, you need to spend $5,000 on the card within the first 3 months of opening the account. Once you reach this spending threshold, the points will be credited to your account. At our house, we strategically move our regular household spending to meet minimum spend requirements without overspending. I never recommend spending money you don’t already plan to spend just to earn a bonus, as this could lead to unnecessary debt.

This 100,000-point offer is a limited-time deal and the highest we have seen on this card. The standard bonus has more often been in the 60,000 to 75,000 range, so if this offer appeals to you, it is worth applying sooner rather than later. You can always call or stop in to a branch to find out what the current offers are, which can some times differ depending on your relationship with the bank.

Benefits Tailored to Families

The card offers a $100 hotel credit when you book through the Chase Travel℠ portal, which is doubled from the old $50 credit and now more than covers the $95 annual fee. Plus, you’ll earn:

• 5X points on travel booked through Chase Travel℠ (perfect for family flights and accommodations),
• 3X on dining (ideal for those family restaurant outings or even ordering takeout),
• 3X on select streaming services,
• 3X on online grocery purchases (excludes Target, Walmart, and wholesale clubs),
• 3X on gas and EV charging (new),
• 3X on vacation home rentals booked through Airbnb, Vrbo, and other top brands (new),
• 2X on other travel (like rideshares or car rentals),
• 1X on all other purchases

When you book travel through Chase, you can get extra value from your points through a program called Points Boost. Select flights and hotels are marked with a Points Boost label, and on the Sapphire Preferred those bookings can be worth up to 1.5 cents per point, so 10,000 points could stretch to $150. Bookings without the label are worth 1 cent per point, and the boosted rate varies depending on what you are booking, so it is always worth checking the label before you redeem.

Chase also added a few more perks this year. You can now get up to $120 back every four years to cover the application fee for Global Entry, TSA PreCheck, or NEXUS, which is a benefit usually found on pricier cards. There is also a complimentary one-year Apple TV subscription if you activate it by December 31, 2026.

What Does X Points Mean?

The “X” refers to how many points you earn per dollar spent in a specific category.

• 5X points: Earn 5 points for every $1 you spend.
• 3X points: Earn 3 points for every $1 you spend.
• 2X points: Earn 2 points for every $1 you spend.
• 1X points: Earn 1 point for every $1 you spend.

Examples in Action

Here’s how many points you’d earn on $100 spent in different categories:

• Dining (3X points): Spend $100 at a restaurant, and you’ll earn 300 points.
  • Calculation: $100 x 3 = 300 points.
• Travel booked through Chase Travel (5X points): Spend $100 on a flight, and you’ll earn 500 points.
  • Calculation: $100 x 5 = 500 points.
• Gas and EV charging (3X points): Spend $100 filling up, and you’ll earn 300 points.
  • Calculation: $100 x 3 = 300 points.
• Other travel, like car rentals or rideshares (2X points): Spend $100 on a rental car, and you’ll earn 200 points.
  • Calculation: $100 x 2 = 200 points.
• All other purchases (1X point): Spend $100 at the pharmacy, and you’ll earn 100 points.
  • Calculation: $100 x 1 = 100 points.

Point-to-Dollar Ratio

When redeeming your points, the value depends on how you use them:

• Standard Redemption: Points are typically worth 1 cent per point when redeemed for cash back, gift cards, or basic travel.
  • Example: 10,000 points = $100.
• Travel Through Chase Portal (Points Boost): Chase now marks select flights and hotels with a Points Boost label. On the Sapphire Preferred, those bookings can be worth up to 1.5 cents per point. Anything without the label is worth 1 cent per point, and the boosted rate varies by booking.
  • Example: 10,000 points = $100 to $150, depending on the booking.
• Transferring to Travel Partners: The value can vary but often exceeds 2 cents per point, depending on how strategically you book.
  • Example: 10,000 points could be worth $200 or more for plane tickets or hotels.

This flexibility makes earning and redeeming points a powerful way to maximize every dollar you spend!

What Are Chase Ultimate Rewards Points?

The Chase Sapphire Preferred card earns you what’s called Chase Ultimate Rewards points. Chase Ultimate Rewards points are some of the most versatile travel and cashback rewards you can earn. Here’s why they’re valuable:

• Flexible Redemption Options:
  • Redeem points for travel, statement credits, gift cards, or merchandise.
• Travel Portal Bonuses:
  • Get extra value on select flights and hotels through Points Boost when booking with a Sapphire card. The exact rate varies by booking and by which Sapphire card you hold.
• Transfer to Travel Partners:
  • Convert points 1:1 to top-tier travel partners like United, Southwest, and British Airways for incredible value. Hyatt is the one exception on this card, and I explain that change below.
• Cash Value:
  • Redeem points as cash at a standard rate of 1 cent per point.

Whether you want to book a dream vacation, cover everyday expenses, or save for the future, Chase Ultimate Rewards points give you the flexibility to achieve your goals.

Built-In Travel Protection

The Sapphire Preferred® also offers essential travel protections:

• Trip Cancellation/Interruption Insurance: Protects your family in case your trip gets cut short.
• Auto Rental Collision Damage Waiver: Save money on car rentals, knowing you’re covered.
• Lost Luggage Insurance: If your luggage gets lost, you’ll have peace of mind knowing Chase has your back.
• Emergency Evacuation and Transportation Coverage (new): If someone on your trip is injured or gets sick more than 100 miles from home and needs emergency evacuation, you can be covered for eligible medical services and transportation up to $100,000.

At least part of your trip must be booked using the Chase Sapphire Preferred card or your Chase Ultimate Rewards point for the trip to qualify for travel insurance benefits with a Chase. Eligible travel purchases include airline tickets, hotels, car rentals, cruises, activities, and tours.

Does Chase Sapphire Preferred Have Foreign Transaction Fees?

There are no foreign transaction fees, making this a perfect option for families while traveling abroad.

Eligibility

This card and rewards travel in general is ideally suited for those with good to exceptional credit, who can pay their bills on time each month, and can avoid getting into debt/manage a budget.

To apply for the Chase Sapphire Preferred® Card, you cannot currently hold another Sapphire Preferred. Thanks to a recent change, though, you can now hold the Chase Sapphire Reserve® and still be eligible to earn the welcome bonus on the Preferred. Additionally, if you’ve earned a bonus on the Sapphire Preferred in the past 48 months, you won’t be eligible for another. However, if it’s been over 48 months, you can downgrade to a no-fee Chase card, like the Chase Freedom Flex® or Freedom Unlimited®, and reapply for the Sapphire Preferred® to earn the bonus again.

Why Chase Sapphire Preferred® Shines for Family Travel

One of the key selling points of this card is its transfer partners. Chase has 11 airline and 3 hotel partners, and most still transfer at a 1:1 rate in increments of 1,000. This means you can transfer your points to airlines like Southwest, United, and British Airways, or hotels like IHG and Marriott, ideal for family trips, whether you’re visiting Disneyland, Hawaii, or exploring international destinations. Hyatt is the one exception on this card, and I break that change down below. Here is the full list of all of Chase’s current transfer partners:

With Hyatt, you can book family-friendly hotels at excellent value since Hyatt’s point rates are generally lower than other hotel chains. Additionally, Chase has the advantage of offering domestic airline partners, like Southwest, which makes it easier for families to find flights that suit their schedules and budgets. This exact combination is how we traveled to Hawaii for almost two weeks for less than $100 total out of pocket for flights and hotels. We booked that trip when Sapphire Preferred points still transferred to Hyatt at 1:1, so the Hyatt half of that math would take more points today, but the strategy itself still works, and it works exactly as well as it always did if you hold the Sapphire Reserve.

How to Transfer Points to Travel Partners

Step 1

Log into your Chase account and click Ultimate Rewards® under Rewards on the right side.

Once in the Ultimate Rewards® section, select “Travel”, then “Transfer points to partners” on the navigation.

Step 2

Scroll down to the partners section, and choose the partner to which you want to transfer points. For this example, we’re choosing Hyatt.

Step 3

Enter the details associated with the membership of the partner you want to transfer to. Here, you will enter your World of Hyatt number. World of Hyatt is a free program to join, like frequent flyer numbers but for hotels.

Step 4

Enter how many points you want to transfer.

Pro tip: Always make sure you’ve found the flights or hotel rooms you want to book before transferring points—once they’re transferred, they’re locked into the partner’s program.

Step 5

Review your transfer details before your submit.

Once you submit, it can take anywhere from instant to 72 hours for your points to appear in the partner account. If your points don’t transfer instantly, call the partner to get an idea of approximately how long it will take, so you know when to come back and book your travel.

A Change to Know About: Hyatt Transfers and the Sapphire Reserve

Starting June 15, 2026, Chase changed the transfer ratio from the Sapphire Preferred to World of Hyatt. It used to be 1:1. It is now 4:3, which means 1,000 Chase points become 750 Hyatt points instead of 1,000.

Here is the timing. If you apply for the Preferred on or after June 15, 2026, the new 4:3 rate applies to you right away. If you already had the card before June 15, 2026, you keep the 1:1 rate until October 1, 2026. The same change is coming to the Ink Business Preferred®, but not until October 1, 2026, and that date applies to both existing and new cardmembers.

Why does this matter for our family? We use Hyatt a lot, and Hyatt is one of the best reasons to hold a Chase card in the first place. Here is the part worth understanding: the Chase Sapphire Reserve®, the top card in the Sapphire family, is keeping its 1:1 transfer rate to Hyatt. So if you mostly use your Chase points to transfer to Hyatt, you will get more value holding the Reserve than the Preferred, because the Reserve still transfers at 1:1.

The Reserve has a much higher annual fee at $795, though it comes with a $300 annual travel credit that brings the real cost down, so it is not an automatic yes. As a rough rule of thumb, the Reserve starts to make more sense once you are transferring somewhere around 60,000 points or more to Hyatt each year. If you only transfer to Hyatt occasionally, or you do not transfer to Hyatt at all, the Preferred and its low $95 annual fee is very likely still the better fit. And the good news is you can now hold both cards, so the Reserve can be added later if your Hyatt habit grows.

One more thing to flag for honesty: Hyatt also recently made changes to its own award chart, so some Hyatt redemptions cost more points than they used to. That is separate from the Chase transfer change, but it is worth knowing when you are running the numbers.

Earning More Points and Combining

You can also combine points earned from other Chase cards to increase your rewards, if you hold certain Chase cards that allow for combining points.

Eligible Premium Cards for Combining Points

You need at least one of the following Chase cards to unlock the ability to combine and transfer points:

• Chase Sapphire Preferred®
• Chase Sapphire Reserve®
• Ink Business Preferred®

These cards allow points to:

1. Be redeemed for extra value through Points Boost in the Chase Travel Portal.
2. Transfer to travel partners like United, Southwest, or British Airways for outsized value. (Hyatt transfers now vary by card, see the Hyatt section above.)

If you have a Chase Freedom Flex®, Freedom Unlimited®, or any other Chase card that earns Ultimate Rewards®, you can still combine them with points earned on your Chase Sapphire Preferred card to use them for travel. I personally also hold the Chase Freedom Unlimited®, and I love that it offers 1.5% back on all purchases.

How to Combine Points

Step 1

Combine points from different cards by logging into your Chase account and click Ultimate Rewards® under Rewards on the right side. Once in the Ultimate Rewards® section, select “Rewards details”, then “Combine points” on the navigation.

Step 2

Then, select the card from which you want to move points, and the card to which you want to move points. The number of points and names of the cards have been erased in the below examples, but yours will show your card names over the images, with the last four digits displayed, in addition to how many points you have to move. Keep in mind that you want to move your points to a card that earns Ultimate Rewards® points from a cashback card in order to redeem them for travel.

Step 3

Manually type in how many points you want to move from one card to another.

Step 4

Confirm that everything looks good before hitting submit. Your points should combine instantly.

Cards That Earn Ultimate Rewards Points

In addition to the Chase Sapphire Preferred, these cards give you Chase’s most versatile and valuable rewards, known as Ultimate Rewards points. They’re flexible and can be used for travel, cash back, or transferred to travel partners for outsized value.

Some Chase cards don’t earn Ultimate Rewards points directly. Instead, they earn cash back or partner-specific rewards. Some also come with annual fees, so make sure to check that the card benefits outweigh the fee costs for your family.

Final Thoughts

The Chase Sapphire Preferred® is still one of the most versatile and valuable cards for families looking to earn travel rewards, and with the bigger hotel credit, the new bonus categories, and the rare 100,000-point welcome offer, there is a strong case it is better than ever for casual and semi-frequent travelers. The one trade-off to weigh is the Hyatt transfer change, especially if Hyatt is your go-to.

Not sure if this or another card could be right for you? Sign up here for a free credit card consultation with me, and we’ll help you find your next best rewards travel card.

If you have any questions or need further advice feel free to email me or send me a message on Instagram. I’m always happy to share more tips and insights to help you.

_{Please note that this article contains affiliate links, and I may earn a referral commission if you choose to apply through my links. As a small business, these earnings help me to continue to bring you content like this at no extra cost to you. Thank you!}

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  Advice | Europe | Family | Featured | How to | Hyatt | North America | Rewards Travel | United States | USA

  Why Hyatt Hotels Is the Best Brand for Family Rewards Travel

  ByMari October 21, 2026October 21, 2026

  When it comes to finding the perfect hotel for our family vacation, Hyatt consistently stands out. With an amazing rewards program, family-friendly accommodations, and unbeatable perks, Hyatt hotels makes it easier to travel with our family for way fewer points than other hotel brands (sorry, Marriott and Hilton!). When it comes to rewards travel, brand loyalty always pays off. Here’s why Hyatt has consistently been the best hotel brand choice for our family, for redeeming points at the best value, earn rewards, and stretching our travel budget.

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  Family | Featured | North America | Rewards Travel | Southwest | United States

  Southwest Companion Pass Guide (2027): New Rules & Strategies

  ByMari October 21, 2026October 21, 2026

  The Southwest Companion Pass has long been one of my favorite ways to save money on family travel. With this popular benefit, you can bring a designated companion on your Southwest flights for just the taxes and fees, starting at $5.60 each way on domestic flights. For families, that can add up to some serious savings!

  BIG UPDATE FOR 2027: Southwest just announced major changes to how travelers earn the Companion Pass, including eliminating credit card welcome offers as a way to qualify under the new rules. But there’s still a limited opportunity to use the current strategy before the changes take effect!

  Fun fact: we used our Southwest Companion passes to get us to and from Hawaii, along with plenty of other destinations. In this updated guide, I’ll walk you through what’s changing, how to earn the pass under the current and new rules, and whether it’s still worth pursuing for your family.

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  Abroad | Advice | Capital One | Chase | Europe | Family | Featured | How to | Italy | Rewards Travel

  How We Booked Europe on Points and Miles for a Family of 11

  ByMari October 19, 2026October 19, 2026

  How we booked Europe on points and miles for a family of 11: our card strategy, Virgin Atlantic award flights, and how we erased our lodging and cruise.

The post The Chase Sapphire Preferred® Card: The Ultimate Family Travel Tool We Love appeared first on Mari on the Map.

_{This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.}

I get it: sometimes navigating the world of credit cards can feel like trying to solve a complex puzzle. One of the trickiest pieces? Chase’s 5/24 rule. Whether you’re a seasoned rewards collector or just starting to dip your toes into the world of credit card points, understanding this rule is crucial for maximizing your rewards potential. Let’s break it down; I promise it won’t be as intimidating as it sounds.

What Exactly Is 5/24 Rule?

Put simply, Chase’s 5/24 rule means that if you’ve opened five or more credit cards from any bank within the past 24 months, your application for a new Chase card will automatically be denied.

It’s not just Chase cards that count toward this limit—cards from any bank count. So, if you’ve been busy collecting cards, it’s probably time to watch your 5/24 status.

Why Does 5/24 Rule Matter?

Your 5/24 status matters because Chase is home to some of the most rewarding credit cards on the market. The Chase Sapphire Preferred®, Chase Freedom Flex®, and Ink Business Preferred® credit cards are all great options for earning points, miles, and cash back. By staying under 5/24 rule, you can unlock valuable sign-up bonuses and take advantage of top-tier travel rewards, rather than missing out because you’ve hit that five-card threshold.

How to Keep Track of Your 5/24 Status

Good news: You don’t have to do it all manually! The CardPointers app can help you stay on top of your 5/24 status, among many other amazing features for rewards travelers. Here’s how it works:

• Track new cards: When you apply for a new card, just log the details in the app.
• Automatic updates: The app tracks your 5/24 status and tells you when cards fall off (after 24 months).
• Beyond 5/24: It also keeps tabs on things like sign-up bonuses and helps you understand which card to use to max your rewards.

Building Your Card Strategy Around 5/24 Rule

Having a plan is key to navigating 5/24 successfully. Here’s the strategy I recommend for maximize your rewards while staying within the rule:

1. Space Out Your Applications

While Chase doesn’t officially require you to wait between applications, it’s smart to wait around 90 days between all credit card applications. This will help protect your credit score and keep your record looking polished for future applications.

2. Make the Most of Referrals

If you have a Player 2—a spouse, partner, or family member who travels with you—take advantage of referral bonuses. Both of you can refer each other to cards, earning extra points on top of your regular sign-up bonuses. Plus, it keeps both of your 5/24 counts in check, making it easier to work around the rule.

3. Business Cards Are Your Secret Weapon

A little-known tip is that business cards typically don’t count toward your 5/24 status. This means you can open business cards and stay under 5/24, which means maximizing your rewards. For example, Chase Business credit cards like Chase’s Ink Business Unlimited® or Ink Business Cash® cards can help you earn valuable points without affecting your 5/24 count. And business cards from other banks don’t count towards 5/24 either.

Sample 5/24 Strategy for Personal Cards

Ready to get strategic? Here’s a sample personal card strategy—in order of how you’d want to open them—that will help you earn rewards while staying under 5/24 rule:

1. Chase Sapphire Preferred® Card
   I always recommend starting with the Sapphire Preferred for access to Chase Ultimate Rewards points, which can be transferred to top airlines and hotel partners. It’s the most beginner-friendly card and deserves a place in your wallet.
2. Co-Branded Hotel Card
   Choose a card for your favorite hotel brand—we love the World of Hyatt personal card. This card can come with free nights and points towards your stays. This is a co-branded card with Chase, so you can manage it within the same portal as your other cards.
3. Co-Branded Airline Card
   Consider what airline is the best option from you home airline, and then find the right card associated with that airline. For us, cards like the Southwest Rapid Rewards® or Citi® / AAdvantage® Platinum Select® World Elite Mastercard® have gotten our family a lot of nearly-free flights. If you want to stick with Chase cards, the Southwest family of cards will be your best bet.
4. Chase Freedom Unlimited®
   This card earns 1.5X cashback on everything, making it an ideal tool for maximizing rewards in your Chase portfolio. It’s one of my go-to cards for earning Chase points on everyday purchases.
5. Capital One Venture Rewards Credit Card
   This card offers amazing travel benefits, including a high sign-up bonus and 2X miles on every purchase. Apply early in your rewards travel journey, since Capital One can be sensitive to recent credit card inquiries.

Now, you’re at 5/24 and have a solid mix of cards to start earning in various ways. Keep in mind that once you hit 5/24, you won’t be able to open more Chase cards until one falls off your count after 24 months from the application date.

Card Strategy If You’re Already over 5/24 rule

If you find yourself over the 5/24 limit, don’t panic—there are still plenty of ways to earn rewards and build a valuable credit card portfolio without sacrificing your credit score or the rewards you’re after. Here’s how you can adjust your strategy and work with the 5/24 restriction.

1. Focus on Business Credit Cards

If you’re over 5/24, business credit cards are your bestie. And the good news is that business credit cards generally don’t count toward your 5/24 status. Chase, for example, has several great business credit cards like the Ink Business Unlimited® or Ink Business Preferred® that don’t count toward your 5/24 total. By opening business cards, you can bypass the 5/24 restriction and continue earning valuable points and rewards.

Pro Tip: If you don’t currently own a business, you can still qualify for these cards as a sole proprietor or freelancer. In many cases, a small side hustle or gig work qualifies you to apply for a business credit card. Learn more about applying for business cards here.

2. Apply for Cards from Other Banks

Chase’s 5/24 rule only applies to being approved for new cards from Chase. So, if you’re maxed out with Chase applications, just look elsewhere. Other banks, such as American Express, Capital One, and Citi, do not follow the 5/24 rule and are great alternatives for earning valuable points. Here’s how you can adjust your strategy:

• American Express: If you’re a fan of transferable points, consider the American Express® Gold Card for bonus categories like dining and groceries or the American Express® Platinum Card for premium travel rewards.
• Capital One: Cards like the Capital One Venture X Rewards card or Capital One Quicksilver offer competitive rewards rates without the 5/24 restriction, plus great benefits for travel or everyday purchases.
• Citi: The Citi Strata Premier® Card offers solid earning rates on travel, dining, and groceries.

Opening cards with these other banks can help you continue earning rewards even if you’re over 5/24.

3. Wait for Cards to Drop Off

Chase’s 5/24 rule is based on the last 24 months, so after two years, the cards you opened will no longer count toward your 5/24 limit. The key is to plan ahead and track which cards are dropping off. Using an app like CardPointers can help you stay on top of when your cards are no longer included in the count, and you’ll be free to apply for Chase cards again.

4. Maximize Existing Cards

While you wait for your 5/24 count to reset, it’s a great time to maximize the rewards on the cards you already have. Consider shifting spending to cards that offer category multipliers and utilize shopping portals and bonus offers. This strategy will help you earn points more efficiently while you’re waiting.

Bonus Tip: Don’t forget about referral bonuses that can boost your points balance, especially if you’re in two player mode.

5. Get Strategic About Future Applications

Once your 5/24 count resets, you’ll be able to apply for more Chase cards. Be strategic about when you open your new cards and make sure you’re not overwhelming your credit score with multiple new inquiries. Space out your applications by at least 90 days to keep your credit healthy and maximize your approval chances.

Final Thoughts: How to Make 5/24 Rule Work For You

Staying on top of your 5/24 status can help you unlock amazing rewards without having to worry about being denied by Chase. By planning ahead, you can maximize your points, secure valuable sign-up bonuses, and travel smarter. Managing your 5/24 count gives you the best shot at getting the most out of your credit cards.

The next time you’re thinking about opening a new credit card, remember to check your 5/24 count first—and put a strategy in place.

If you have any questions or need further advice feel free to email me or send me a message on Instagram. I’m always happy to share more tips and insights to help you.

_{Please note that this article contains affiliate links, and I may earn a referral commission if you choose to apply through my links. As a small business, these earnings help me to continue to bring you content like this at no extra cost to you. Thank you!}

• 

  Advice | Europe | Family | Featured | How to | Hyatt | North America | Rewards Travel | United States | USA

  Why Hyatt Hotels Is the Best Brand for Family Rewards Travel

  ByMari October 21, 2026October 21, 2026

  When it comes to finding the perfect hotel for our family vacation, Hyatt consistently stands out. With an amazing rewards program, family-friendly accommodations, and unbeatable perks, Hyatt hotels makes it easier to travel with our family for way fewer points than other hotel brands (sorry, Marriott and Hilton!). When it comes to rewards travel, brand loyalty always pays off. Here’s why Hyatt has consistently been the best hotel brand choice for our family, for redeeming points at the best value, earn rewards, and stretching our travel budget.

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  Abroad | Advice | Capital One | Chase | Europe | Family | Featured | How to | Italy | Rewards Travel

  How We Booked Europe on Points and Miles for a Family of 11

  ByMari October 19, 2026October 19, 2026

  How we booked Europe on points and miles for a family of 11: our card strategy, Virgin Atlantic award flights, and how we erased our lodging and cruise.

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  Abroad | Advice | Best Moments | Career | England | Europe | Family | Featured

  22 Best Things to Do in London With Kids

  ByMari October 4, 2026October 6, 2026

  London is easier with kids than most people expect. The biggest museums are free, children ride the buses and the Underground for nothing, and there’s a park every few blocks for the moment when everyone needs to stop walking.

  London is big, and the difference between a good day and an exhausting one is usually how much time you spent getting between places instead of being in them. The key to an enjoyable trip is grouping your time by location to avoid hopping around too much in one day.

  If you’re trying to figure out the best things to do in London with your family, this is my list of 22, with the family tips and logistics that make each one go more smoothly.

The post What Is the 5/24 Rule? Learn How to Work with It & Maximize Your Rewards appeared first on Mari on the Map.

The memories you make on family vacations are priceless — but the cost certainly isn’t. The good news? Many hotels offer “kids stay free” promotions that make traveling with little ones a whole lot easier on your wallet. Better yet, pair those deals with the right travel rewards credit card, and you could rack up points to score an even sweeter deal — maybe even a free stay!

By choosing the right hotels with family-friendly promotions, you can unlock significant savings for your family vacation. In this post, I’ll walk you through some of the best kids-stay-free options, along with which rewards travel credit card rewards that can make your trip even more affordable.

Holiday Inn

Holiday Inn properties are designed specifically for families, offering comfortable accommodations, kid-friendly dining options, and family-oriented amenities like pools and game rooms. Many locations also offer complimentary breakfast buffets that even our picky eaters love.

Kids Stay Free Perk: Up to two children stay free when sharing a room with up to two adults at participating locations.

Best Credit Card for Holiday Inn

Holiday Inn hotels are part of the IHG family, making the IHG One Rewards Premier card a top choice for maximizing points at Holiday Inn properties. Here’s how you can maximize your earnings:

• 10x Points: Earned on eligible IHG purchases with the IHG One Rewards Premier card
• Up to 10x Points: Additional points are earned through IHG One Rewards membership benefits
• Up to 6x Points: Platinum Elite status benefits, automatically included with this card

With the IHG One Rewards Premier card, you’ll also receive Platinum Elite status, unlocking perks like room upgrades and late checkout. Plus, the card’s annual Free Night Award can be redeemed at Holiday Inn and other IHG properties, adding even more value your family. Points can be earned from your stays or be used to pay for stays.

Dreams Resorts & Spas

Spacious suites, beach-front properties, multiple pools, and family-focused entertainment make Dreams Resorts & Spas ideal for both relaxing vacations and fun-filled family adventures. On-site activities like beach games, movie nights, and kid-friendly shows mean there’s never a dull moment.

Kids Stay Free Perk: One free child per paying adult, up to two free kids per room for stays between August 18, 2025, and October 31, 2025.

Best Credit Card for Dreams Resorts & Spas

If you’re heading to a Dreams Resort & Spa, the World of Hyatt card is an excellent choice to earn points during your stay or use points you’ve previously earned to cover the stay in full.

• 4x Points: Earned through the World of Hyatt card on Hyatt purchases, including stays at Dreams Resorts & Spas
• 5x Points: As a World of Hyatt member, you can stack these earnings with your membership, for a total of 9 points per $1 on eligible Hyatt-related expenses
• Annual Free Night: Receive a Free Night Award each year after your card renewal, which can be redeemed at Hyatt properties, including Dreams Resorts & Spas

The World of Hyatt Credit Card also provides 5 tier-qualifying night credits each year and automatic Discoverist status, helping you reach elite status faster. This status unlocks perks like room upgrades and late check-out.

Hilton All-Inclusive Resorts

Hilton’s all-inclusive properties offer expansive suites, water parks, and on-site kid-centric activities like dance parties, scavenger hunts, and more. Plus, with dining included, parents can relax without stressing over the bill.

Kids Stay Free Perk: Kids and teens (17 and under) stay and eat free at select all-inclusive properties in the Caribbean and Mexico during specific promotional periods.

Best Credit Card for Hilton All-Inclusive Resorts

The Hilton Honors American Express Aspire card is an excellent choice for maximizing your rewards if you’re planning a stay at a Hilton All-Inclusive Resort.

• 14x Points: On eligible purchases at Hilton properties, including all-inclusive resorts
• 7x Points: On flights booked directly with airlines or through Amex Travel
• 5x Points: On prepaid hotels booked through Amex Travel

Additionally, the card provides Hilton Honors Diamond status, which comes with benefits such as room upgrades and late check-out. It also offers a $400 annual Hilton Resort credit, which can be used for eligible purchases at Hilton resorts, including all-inclusive properties.

Iberostar Hotels & Resorts

Iberostar properties are known for their family-friendly amenities, including kids’ clubs, splash parks, and organized activities for many age groups. Plus, Iberostar often features beachfront locations with plenty of entertainment for parents, too, making it a win for the whole family.

Kids Stay Free Perk: Kids stay free at select ocean resorts during certain times of the year.

Best Credit Card for Iberostar Resorts

If you’re planning a stay at an Iberostar Beachfront Resort, the IHG One Rewards Premier card is one of the best options for earning or redeeming points. Just as with Holiday Inn properties, you can earn points from your bookings, enjoy special rates and enjoy exclusive benefits, or redeem your points to book your room.

Choice Hotels

Choice Hotels are perfect for road trips and budget-conscious families. Brands range from the luxury Ascend Hotel Collection and Cambria Hotels to Comfort Inn and Quality Inn that provide more affordable stays, often with free breakfast included — making it easy to stretch your vacation budget even further.

Kids Stay Free Perk: Children 18 and younger stay free when sharing a room with their parents or grandparents.

Best Credit Card for Choice Hotels

If you’re planning a stay at a Choice Hotels property, the Barclays Choice Privileges® Visa Signature® card will help you maximize your points. This card is designed specifically for Choice Privileges members, making it easier to earn and redeem points for stays at Choice Hotels properties.

• 5x Points: On eligible Choice Hotels purchases
• 2x Points: On gas stations, which helps if you’re roadtripping, and grocery stores, which helps if you plan to cook your own meals Choice Hotel’s Suburban Studios, which often feature in-room kitchens or kitchenettes

Cardholders also get automatic Gold Elite status, giving you early check-in, late checkout, and bonus points on stays. Plus, each year you renew your card, you’ll receive 8,000 bonus points—enough for a free night at select Choice Hotels.

Extended Stay America

Extended Stay America properties provide roomy suites with full kitchens, making them a budget-friendly option for families on longer vacations. Located across the US, including in Alaska, the home-like amenities help make longer or shorter stays comfortable and convenient for families. Despite their name, there is no minimum stay requirement, but they do offer special rates for stays of seven nights or more.

Kids Stay Free Perk: Children under 17 stay free when accompanied by a parent or guardian.

Maximizing Rewards at Extended Stay America

You can maximize your rewards using a flexible-points-earning credit card, like the Chase Sapphire Preferred® card. This card is well-loved among rewards travelers, especially for beginners, for its flexibility. Cardholders earn 3x points on on dining, including takeout, and 3x points on online grocery purchases, which is perfect for cooking your own meals in Extended Stay America’s full-sized kitchens.

Alexandra Resort

Located in the beautiful island of Turks and Caicos, Alexandra Resort is a family-friendly all-inclusive resort featuring large beachfront suites, kid-friendly menus, and supervised activities to keep little ones entertained.

Kids Stay Free Perk: Children ages 12 and under stay, eat, and play for free.

Maximizing Rewards at Alexandra Resort

Alexandra Resort doesn’t have its own loyalty program, so flexible points cards, like the Capital One Venture Rewards card, are the best option for maximizing rewards on your stay. The Capital One Venture Rewards card’s 2x miles rate applies to every purchase, allowing you to earn extra miles from booking your stay at Alexandra Resort using that card.

Additionally, this card offers you the ability to “erase” travel purchases with miles. All you have to do after you’ve made a travel purchase on the card is log into your Capital One account and choose the purchase you want to cover with your miles. This makes it a great option for covering your resort getaway, giving you flexibility when planning your trip.

Villa del Palmar Cancun

Villa del Palmar Cancun offers ample space to spread out in their suites, beachfront views, and fun family amenities like splash pads, pool games, and family dining options—a great choice for families seeking a tropical getaway.

Kids Stay Free Perk: Up to two kids under 12 stay and eat free in One Bedroom suites with a minimum three-night stay.

Maximizing Rewards at Villa del Palmar Cancun

While Villa del Palmar Cancun does offer an all-inclusive dining option, guests have the option to dine a la carte and enjoy the resort’s restaurants and bars, paying for your meals and drinks as you go. For this reason, the Bilt Mastercard® is a great option. It earns 3x points on dining for those who want to go al la carte, and 2x points on travel for those who choose the all-inclusive meal package, which will be added to your room bill and show up on your credit card statement as travel instead of dining. Bilt points are flexible and transfer 1:1 to major airline and hotel partners, making it a versatile choice.

Club Med

Club Med resorts are known for their all-inclusive experiences designed for families with kids of all ages. Their family-friendly amenities include child care services, circus school activities, and teen clubs.

Kids Stay Free Perk: Kids under 4 stay free at all Club Med all-inclusive resorts.

Maximizing Rewards at Club Med

Club Med also doesn’t have its own loyalty program, so flexible points cards, like the Citi Strata Premier® card, are the best option for maximizing rewards on your stay. The Citi Strata Premier® card’s 3x points rate applies not only to traditional hotels but also to resorts, meaning you would earn extra points for booking all-inclusive stays like Club Med. Additionally, Citi ThankYou® points are highly flexible, allowing you to transfer them to airline partners to get you to your Club Med stay.

Palace Resorts

Palace Resorts is known for their luxurious rooms, top-notch dining options, and organized activities tailored for kids. Think kid-friendly buffets, game rooms, and even mini golf courses — all included in your stay.

Kids Stay Free Perk: Kids and teens stay free when sharing a room with at least one adult.

Maximizing Rewards at Palace Resorts

Since Palace Resorts doesn’t have its own loyalty program, a flexible rewards card like the Chase Freedom Unlimited® card can offer a smart choice for earning on your stay. With 1.5% cash back on everyday purchases, plus 3% cash back on dining and 5% cash back on travel booked through Chase Ultimate Rewards®, you can rack up rewards quickly.

Final Thoughts

Family travel doesn’t have to break the bank. By combining “kids stay free” promotions with credit card rewards, you can unlock amazing vacations without overspending. Hotels and resorts offer incredible value when you know where to look, and with the right credit card strategy, you could enjoy those magical family moments for next to nothing.

Take the time to research, book early, and maximize your points for unforgettable family adventures.

Feel free to email me or send a message on Instagram if you need further advice—I’m always happy to share more tips and insights to help you travel.

The post 10 Hotels Where Kids Stay Free & How to Maximize Your Rewards at Each appeared first on Mari on the Map.

_{This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.}

When it comes to earning travel rewards, business credit cards might seem out of reach. If you’re thinking, “I don’t own a business, so I can’t apply for a business card,” you’re not alone. I used to feel the same way! But here’s the good news: you don’t need a registered business to qualify. In fact, opening business cards could be one of the easiest ways to supercharge your rewards. Let’s break it down.

Why Consider Business Credit Cards

Business credit cards come with unique benefits that make them a no-brainer for rewards travelers:

• High Welcome Offers: Business cards often feature generous sign-up bonuses that help you rack up points faster.
• No Impact on the 5/24 Rule: Most business credit cards (except some from Discover and Capital One) don’t count toward Chase’s 5/24 rule. This means you can maximize your personal cards while still opening business cards.

Who qualifies for a business credit card?

Here’s the secret: if you earn money outside a regular W-2 job, you’re likely eligible for a business card. Whether it’s a side hustle, freelance work, or selling items online, you could qualify as a sole proprietor.

Examples of Qualifying Activities:

• Selling on platforms like eBay, Etsy, or Facebook Marketplace – typically the easiest for anyone who has kids. You can sell some of their gently used clothes or toys online, and now you have a business. A friend of mine’s husband sells baseball cards online to qualify.
• Babysitting or daycare
• Tutoring or teaching
• Renting out property (like Airbnb-ing your own home or a second home)
• Driving for rideshare apps like Lyft and Uber or food delivery apps like Door Dash
• Freelancing (writing, graphic design, etc.)

How to Apply for a Business Credit Card

Applying is simpler than you might think. Here’s how to navigate the key application sections if you’re applying as a sole proprietor (meaning you do not have an EIN aka employer identification number):

• Legal Name of Business: Use your full name.
• Business Name on Card: Same as above.
• Business Address: Your personal address.
• Business Structure: Select “Sole Proprietor.”
• Tax ID: Use your Social Security number (SSN).
• Annual Business Revenue: Estimate what you’ll earn this year, even if it’s a side hustle.
• Years in Business: Include all the time you’ve been doing this activity, even if you weren’t earning much at first.
• Employees: Enter “0” or “1,” depending on the application requirements.

Pro Tip:

To increase your approval odds, space out applications by at least 90 days and ensure you’re not opening too many cards too quickly. If you do happen to have an EIN, use that to apply instead of your SSN.

Can you use business cards for personal spending?

While business cards are intended for business expenses, banks can’t easily distinguish between personal and business spending. That said, keeping a clear record of expenses is crucial, especially for tax purposes. For tax time, you can easily categorize which of your purchases are business versus personal with apps like Rocket Money. But it’s important to note that the items you actually buy with your business card will not impact your ability to earn the sign up bonus, as long as you spend the required amount within the required time frame when you applied.

Can you open multiple business cards?

Yes! You can:

1. Open multiple cards for a single business.
2. Apply for new cards if you run different businesses, even as a sole proprietor.

For example, if you blog and sell items online, you could apply for the same card under each business, potentially earning twice the points!

Recommended Business Cards for Rewards Travel

Chase’s business credit cards have always been our top picks because of their flexibility, valuable rewards structures, and compatibility with the Ultimate Rewards® program, making them ideal for earning travel points. Here’s a deeper look to help you choose the right one for you:

Ink Business Unlimited®

• Benefits: Earns 1.5% cashback on all purchases with no categories to track, making it simpler to earn more points. It’s great to have a card like this in your wallet for spending categories where there isn’t an option to multiple your points (example: some cards earn 3x points in dining, but maybe you don’t have a card that earns extra points on groceries, so instead of using any old card that would get you the standard 1% back on “everything else”, you’d use this card to get 1.5%).
• Who Should Use It: Small businesses with varied spending or those new to rewards cards.
• Bonus: Cashback can be converted to Ultimate Rewards® points when paired with a premium card (Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Ink Business Preferred®). No annual fee.

Ink Business Cash®

• Benefits: Offers 5% cashback on office supplies, phone, and internet services, and 2% cashback at gas stations and restaurants—all with no annual fee. One of the top ways to use that 5% cashback at office supply stores is to buy gift cards for places where you may be spending a lot but can’t earn many points back, like Amazon or Airbnb, which don’t typically fall neatly into a bonus category. You can also use this to buy gift cards as presents for others and get 5% back.
• Who Should Use It: Entrepreneurs or side hustlers with significant spending in these categories, or those with an office supply store in convenient distance to your home, so you can snag gift cards at 5% back to use on your every day purchases.
• Bonus: Points can also be transferred to travel partners when paired with a premium Chase card (Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Ink Business Preferred®). No annual fee.

Ink Business Preferred®

• Why It’s Great: Gives you the ability to transfer points to premium travel partners, plus 3X points on travel and other business categories like shipping and advertising. This is a great card to use on your random travel expenses if you don’t already have a Chase Sapphire Preferred®, which already earns 3X points on travel.
• Who Should Use It: Established businesses or those prioritizing travel redemptions.
• Bonus: Includes trip protection, cell phone insurance, and other premium benefits, but note that this card does have a $95 annual fee.

These cards offer powerful earning potential, flexibility, and family-friendly rewards, making them a go-to choice for maximizing points.

Why Chase over Amex or Capital One?

• Transfer Partners: Chase points transfer to popular programs like Hyatt and Southwest, often with better redemption value than Amex or Capital One.
• Ease of Use: Chase’s rewards ecosystem is straightforward, and its cards offer a variety of no fee options for beginners.
• Versatility: With no cap on cashback categories and flexible redemption, Chase business cards fit a range of budgets and spending habits.
• Lower Required Spending: Chase business cards typically have a lower requirement for spending to earn their sign-up bonuses, making them easier to achieve for families with their regular household spending.

How to Maximize Points

If you hold a Chase business card, you’ll need to combine your points onto a premium card like the Chase Sapphire Preferred® or Ink Business Preferred® to transfer them to travel partners. Here’s how:

1. Log into your Chase account.
2. Navigate to “Ultimate Rewards.”
3. Select “Combine Points” and choose the cards you want to transfer between.
4. Points transfer instantly!

You can also combine points with one other household member after linking accounts by calling Chase directly.

How to Combine Points

Step 1

Combine points from different cards by logging into your Chase account and click Ultimate Rewards® under Rewards on the right side. Once in the Ultimate Rewards® section, select “Rewards details”, then “Combine points” on the navigation.

Step 2

Then, select the card from which you want to move points, and the card to which you want to move points. The number of points and names of the cards have been erased in the below examples, but yours will show your card names over the images, with the last four digits displayed, in addition to how many points you have to move. Keep in mind that you want to move your points to a card that earns Ultimate Rewards® points from a cashback card in order to redeem them for travel.

Step 3

Manually type in how many points you want to move from one card to another.

Step 4

Confirm that everything looks good before hitting submit. Your points should combine instantly.

Stretching Your Travel Budget

Business cards let you alternate between earning on personal and business cards, helping you maximize bonuses while staying under Chase’s 5/24 rule. With a little planning, you can collect hundreds of thousands of points each year to stretch your travel budget further. Just remember to always space out your applications by at least 90 days to keep your credit score healthy, and pay off your balance in full each month. We use autopay to ensure this happens.

Final Thoughts

Opening business cards isn’t as intimidating as it seems, and it’s also not “against the rules”. Whether you’re selling a few items online or offering freelance services, you’re likely eligible—and the rewards can be incredible. So, why not take the leap? Start earning points to fuel your next adventure and unlock the full potential of travel rewards.

If you have any questions or need further advice feel free to email me or send me a message on Instagram. I’m always happy to share more tips and insights to help you improve your family’s travel budget.

_{Please note that this article contains affiliate links, and I may earn a referral commission if you choose to apply through my links. As a small business, these earnings help me to continue to bring you content like this at no extra cost to you. Thank you!}

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  Advice | Europe | Family | Featured | How to | Hyatt | North America | Rewards Travel | United States | USA

  Why Hyatt Hotels Is the Best Brand for Family Rewards Travel

  ByMari October 21, 2026October 21, 2026

  When it comes to finding the perfect hotel for our family vacation, Hyatt consistently stands out. With an amazing rewards program, family-friendly accommodations, and unbeatable perks, Hyatt hotels makes it easier to travel with our family for way fewer points than other hotel brands (sorry, Marriott and Hilton!). When it comes to rewards travel, brand loyalty always pays off. Here’s why Hyatt has consistently been the best hotel brand choice for our family, for redeeming points at the best value, earn rewards, and stretching our travel budget.

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  Abroad | Advice | Capital One | Chase | Europe | Family | Featured | How to | Italy | Rewards Travel

  How We Booked Europe on Points and Miles for a Family of 11

  ByMari October 19, 2026October 19, 2026

  How we booked Europe on points and miles for a family of 11: our card strategy, Virgin Atlantic award flights, and how we erased our lodging and cruise.

• 

  Abroad | Advice | Best Moments | Career | England | Europe | Family | Featured

  22 Best Things to Do in London With Kids

  ByMari October 4, 2026October 6, 2026

  London is easier with kids than most people expect. The biggest museums are free, children ride the buses and the Underground for nothing, and there’s a park every few blocks for the moment when everyone needs to stop walking.

  London is big, and the difference between a good day and an exhausting one is usually how much time you spent getting between places instead of being in them. The key to an enjoyable trip is grouping your time by location to avoid hopping around too much in one day.

  If you’re trying to figure out the best things to do in London with your family, this is my list of 22, with the family tips and logistics that make each one go more smoothly.

The post How Business Credit Cards Boost Travel Rewards, Even if You’re Not a Traditional Business Owner appeared first on Mari on the Map.

_{This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.}

A Dream Hawaii Family Vacation for Just $67.20

Aloha! If you’ve been dreaming about taking a Hawaii family vacation but feel held back by the cost, I’ve got great news: you can make that dream a reality by using points and miles! My family traveled to Hawaii this year, visiting both Oahu and Maui, for an unbelievable grand total of only $67.20 in taxes and fees. Yes, you read that right!

In this guide, I’ll share exactly how we did it and how you can plan your own nearly free Hawaii family vacation. From earning points to booking flights and accommodations, I’ve got all the tips to help your family escape to paradise on a budget.

Why Hawaii on Points and Miles Is Worth It

A Hawaiian vacation is often considered a once-in-a-lifetime trip, but with points and miles, you can make it a regular part of your family’s travel plans. By leveraging the right credit cards, earning bonuses, and booking strategically, you’ll be on your way to enjoying the Aloha State without breaking the bank.

Hawaii offers something for everyone: pristine beaches, lush landscapes, and a unique culture that’s both relaxing and enriching. Knowing our trip only cost $67.20 made the sunsets even more beautiful and the memories even sweeter.

How We Did It: Our Step-by-Step Strategy

Flights: Southwest Companion Pass and Flexible Points

We flew Southwest Airlines, taking full advantage of the Southwest Companion Pass—a game-changer for families. Both my husband and I earned Companion Passes, allowing our two boys to fly free (plus taxes and fees) on every flight. For our roundtrip journey, we paid just $67.20 in taxes and fees. It broke down as $5.60 in taxes and fees per person per flight. We flew one leg from the mainland US to Oahu, then Oahu to Maui, then Maui home.

To cover the rest of the ticket costs, we used a combination of:

• Southwest points earned while working toward our Companion Passes.
• Chase Ultimate Rewards points, transferred to Southwest.

Accommodations: Hyatt Points for Family-Friendly Stays

Maui: Wailea Ekahi Village Condos

On Maui, we stayed at the Wailea Ekahi Village condos through Hyatt’s Homes & Hideaways program. This was a highlight of our trip for so many reasons:

• Space and Comfort: Our two-bedroom condo included a full kitchen, laundry facilities, and plenty of room for six people.
• Family-Friendly Amenities: The property featured multiple pools, lush gardens, and easy beach access.
• Convenience: Having a kitchen allowed us to prepare meals, saving money on dining out, and the laundry facilities made packing light a breeze.

Oahu: Hyatt Place Waikiki Beach

We stayed at the Hyatt Place Waikiki Beach for our Hawaii family vacation, a fantastic choice for families. Here’s why:

• Room Size: Spacious enough to sleep up to six, perfect for larger families.
• Free Breakfast: A hot breakfast buffet each morning helped us fuel up for busy days. The boys absolutely love the breakfast buffet at Hyatt Places.
• Location: Just a short walk to Waikiki Beach and close to family-friendly attractions like the Honolulu Zoo and Waikiki Aquarium.
• Affordable Points Redemption: We used points from the World of Hyatt personal credit card and Chase Ultimate Rewards, making this stay budget-friendly.

How Your Family Can Do It, Too

Step 1: Choose Your Points Strategy

Depending on your travel style and current credit cards, here are some potential strategies for your Hawaii family vacation:

Flights

• Southwest Airlines:
  • Earn the Companion Pass by opening two Southwest credit cards (business and personal) and meeting the minimum spend, making sure the points earned is at least 135,000 in a calendar year.
  • Transfer Chase Ultimate Rewards points to Southwest.
• Other Airlines to Hawaii:
  • Alaska Airlines: Earn points through their credit cards or transfer Marriott Bonvoy points to Alaska Mileage Plan.
  • Delta Air Lines: Earn points through Amex Membership Rewards cards or book directly with Delta SkyMiles.
  • United Airlines: Transfer Chase Ultimate Rewards points or earn points through United credit cards.

Hotels

• Hyatt: Use Chase Ultimate Rewards or Hyatt points to book family-friendly properties like:
  • Hyatt Regency Maui Resort and Spa: This luxury resort offers a variety of family-friendly activities, including a water park, lei-making classes, and nightly luaus. Its beachfront location and lush grounds make it an ideal choice for families.
  • Hyatt Centric Waikiki Beach: Located in the heart of Waikiki, this property combines modern amenities with convenience. Families will appreciate its proximity to dining, shopping, and beaches, as well as the spacious rooms.
• Other Family-Friendly Hotel Options:
  • Hilton: Earn points with Hilton Honors credit cards or transfer Amex Membership Rewards. Properties like Hilton Hawaiian Village Waikiki Beach Resort offer extensive kid-friendly activities.
  • Marriott: Use Marriott Bonvoy points for properties like the Marriott’s Ko Olina Beach Club on Oahu. Both Chase Ultimate Rewards and American Express Membership Rewards allow point transfers to Marriott Bonvoy.
  • IHG: Earn points with IHG credit cards for resorts like Holiday Inn Resort Waikiki Beachcomber. For IHG One Rewards, Chase Ultimate Rewards does not transfer to IHG directly, but you can earn IHG points through co-branded IHG credit cards issued by Chase.

Step 2: Earn Points Strategically

To turn your Hawaii family vacation into a reality, you’ll need to earn points strategically. By selecting the right credit cards and optimizing your spending, you can accumulate the points needed for flights, hotels, and even extras. Here’s how:

Chase Ultimate Rewards

Chase Ultimate Rewards is one of the most versatile points programs, offering the ability to transfer points to travel partners like Southwest and Hyatt.

• Best Cards to Use: The Chase Sapphire Preferred, Chase Sapphire Reserve, and Ink Business Preferred cards are excellent options for earning points.
• How to Earn Points: Use these cards for everyday spending, especially in bonus categories like dining and travel. For instance, the Sapphire Preferred earns 2x points on travel and dining, and the Sapphire Reserve earns 3x points.
• Why It’s Great for Families: Flexible points mean you can decide later whether to transfer them to airlines like Southwest or hotel programs like Hyatt based on your travel needs.

Co-Branded Credit Cards

If you have a specific travel goal in mind, co-branded credit cards can help you fast-track your points accumulation.

• Southwest Rapid Rewards Cards: These cards can help you earn the Southwest Companion Pass quickly, a game-changer for family travel.
• Other Airline Credit Cards: Co-branded airline credit cards can also help you earn miles for flights to Hawaii. Here are a few great options:
  • Alaska Airlines Visa® Signature Card: This card offers a generous welcome bonus, 3x miles on Alaska purchases, and the Companion Fare benefit, which allows a second ticket for just $99 plus taxes and fees. Alaska Airlines acquired Hawaiian Airlines in September 2024, which is why it’s now a top option for flying to Hawaii.
  • Delta SkyMiles® Gold American Express Card: Earn a substantial welcome bonus, 2x miles on dining and Delta purchases, and enjoy perks like a free checked bag and priority boarding.
  • United Explorer Card: This card offers a strong welcome bonus, 2x miles on dining, hotel stays, and United purchases, and valuable travel benefits like free checked bags and priority boarding. Chase Ultimate Rewards points can also be transferred to United, giving you even more flexibility.
• Hyatt Credit Cards: The World of Hyatt personal or business credit cards come with bonus points, free night certificates, and accelerated point earnings on Hyatt stays.
• Other Hotel Options: Hilton Honors, Marriott Bonvoy, and IHG credit cards often feature generous welcome offers that boost your points balance. Here are some great card options to consider:
  • Hilton Honors: The Hilton Honors American Express Surpass® Card offers strong earning potential on Hilton stays and everyday spending, plus complimentary Gold status, which includes perks like free breakfast.
  • Marriott Bonvoy: The Marriott Bonvoy Boundless® Credit Card from Chase provides a large welcome bonus, automatic Silver Elite status, and 6x points per dollar on Marriott purchases.
  • IHG: The IHG® Rewards Premier Credit Card offers a significant signup bonus, 5x points on IHG stays, and an annual free night certificate, making it a solid choice for family travel.

Signup Bonuses

Signup bonuses are one of the fastest ways to earn a large number of points.

• Be Strategic: Watch for elevated offers on key cards, like 60,000 or more Ultimate Rewards points for the Chase Sapphire Preferred. These offers can cover multiple nights at hotels or a significant portion of your flights.
• Timing Matters: If you’re planning a big trip like a family getaway to Hawaii, aim to open new cards and meet the minimum spend requirements several months in advance.

By combining everyday spending with strategic use of signup bonuses and co-branded credit cards, you’ll be well on your way to a nearly free Hawaiian vacation.

• Chase Ultimate Rewards:
  • Cards: Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
  • Use for everyday spending to rack up transferable points.
• Co-Branded Credit Cards:
  • Southwest, Hyatt, Hilton, or Marriott cards can accelerate your points earning.
• Bonus Offers: Keep an eye out for signup bonuses to jumpstart your points balance.

Step 3: Maximize Your Redemptions

• Airline Tickets: Book early to find award availability, especially for flights to Hawaii during peak seasons.
• Hotels: Look for family-friendly properties with good redemption value. Some Hyatt properties, for example, start as low as 12,000 points per night.
• Condos and Villas: Consider options like Hyatt’s Homes & Hideaways for larger accommodations with kitchens and laundry.

Other Tips for Planning Your Hawaii Family Vacation

• Island Hopping: Southwest also offers inter-island flights, which can be booked with points.
• Car Rentals: Use credit card perks or points for discounts and savings.
• Local Activities: Many credit cards offer travel credits or perks that can be applied to excursions, like luaus or snorkeling trips.
• Listen to This Podcast: I shared our tips and tricks on the Wonderland on Points Podcast. Listen here.

Now it’s your turn! Start planning, start earning, and say Aloha to paradise.

If you want to start planning your Hawaii Family Vacation, you can read this 5 Fun Must Do in Oahu with Kids.

Pin this for later if you’re inspired to plan your family’s Hawaiian getaway on points and miles!

If you have any questions or need further advice feel free to email me or send me a message on Instagram. I’m always happy to share more tips and insights to help you.

_{Please note that this article contains affiliate links, and I may earn a referral commission if you choose to apply through my links. As a small business, these earnings help me to continue to bring you content like this at no extra cost to you. Thank you!}

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The post How We Planned Our Hawaii Family Vacation for Almost Free — And How You Can, Too! appeared first on Mari on the Map.