Chase Sapphire Preferred® Card is the best credit card for family travel right now and it has been committed to building trust so customers can experience the benefits of credit cards without any surprises.
Travelling can be expensive and can take up a lot of your time to get done. Family travel is one of the best ways to bond with your family and make memories together. There are many ways to save money on travel costs, but credit cards often come as a last resort when you don’t want to carry cash, or when there might be hidden fees that need to be factored in.
However, continue reading to find out more about our top pick credit card for family travel right now, and we will still have some recommendations for you when choosing the best credit card for family travel.
Best Credit Card for Family Travel Right Now
There are a lot of credit card options for family travel. Here are my top picks for the best credit cards for families but Chase Sapphire Preferred® Card stands out among them.
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We’ve got the best credit card for family travel right now. The Chase Sapphire Preferred card is one of the most widely accepted cards and it offers some valuable benefits to its cardholders.
Pros Of Sapphire Family Credit Card
Besides offering fantastic perks that make travelling easier and more affordable, this card also comes with a $0 introductory annual fee for the first year, making it even sweeter.
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With reward points worth 1 cent each toward travel expenses, you can redeem them at over 10,000 participating hotels and resorts all over the world. The annual 5% cash-back on airline spending is a nice benefit too!
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I picked this card to be the best for family travel right now because they offer unique high rewards rates and redemption flexibility. It’s important to note that the card has $0 fees for your first three billing cycles after making your first purchase with the card!
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This card is a dream come true for frequent spenders on travel & dining, not forgetting the modest charging annual fee. This is one of my favourite cards for family travel now that I’ve used it myself.
Chase Sapphire Preferred® Card Details
Below is some vital information you need to know about the Chase Sapphire Preferred® Card before you apply and pick it up. They are:
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Welcome Bonus
The Chase Sapphire Preferred® card gives you a bonus on every purchases. As a welcome bonus, you will earn 60,000 bonus points after you spend $4,000 on purchases in the first 3–months from account opening. That is about $750 toward travel when you redeem through Chase Ultimate Rewards®.
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Rewards
This card is designed to help you get the optimal rewards on your everyday purchases. Meaning you will earn rewards points based on money spent using this card.
Restaurant Reward
You will be rewarded 3x points on dining that is inclusive of eligible delivery services, takeout and dining out both in the U.S. and abroad. In addition, you will get 25% more value when you redeem for airfare, hotels, car rentals and cruises through the Chase Ultimate Rewards®.
Travel Reward
You will get 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, and 1X points on all other purchases you make using the card.
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Hotel Reward
You will be rewarded $50 annual Ultimate rewards hotel credit when you make hotel purchases.
Lyft Reward
You are guaranteed to earn 5x points on Lyft rides through March 31, 2025. This means you are given an additional 3x points to the 2x points you already earn on travel
Everyday Reward
For your everyday purchase, you will be rewarded 3x points on select streaming services and online grocery purchases. Also, you will get 1 point per $1 spent on all other purchases.
Annual Fee Charged
With an annual fee of only $0 for the first year, the Chase Sapphire Preferred® Card offers a lot of value in return. However, after the first year, you will be charged $95.
Credit Needed
Creditworthiness is excellent/good making it a great choice for you and your family members.
Intro APR
No charge!
Balance Transfer Fee
If you want to transfer an existing debt over from another institution, you will either be charged $5 or 5% of the amount of each transfer, whichever is greater.
Regular APR
You are charged 16.74% – 23.74% variable on purchases and balance transfers made using the card.
Foreign Transaction Fee
Another incredible reason why you ought to choose Chase Sapphire Preferred® Card is the reason of $0 charge for foreign transaction fees when you perform a transaction overseas or with a foreign merchant.
Sign-Up Bonus
This card features a growing sign-up bonus, which stacks on top of your rewards points for even more cash back.
Travel Benefits
You will enjoy Complimentary access to DashPass which automatically grants you a $0 delivery fee as well as lower service fees for one year when you activate by December 31, 2024.
Also, you get to enjoy Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and loads of other travel benefits.
Benefits of Using Chase Sapphire Preferred® Card
Chase credit cards remain one of my favourite credit cards. Chase Ultimate Rewards points, the type of points earned by many Chase credit cards, are super valuable and flexible that is why I rate it very high for family travelling. The benefits of using the Chase Sapphire Preferred® Card are listed below.
- You will earn high rewards in several areas of spending
- You can transfer points to travel partners at a 1:1 rate
- You are entitled to many travels and shopping protection
Cons of Using Chase Sapphire Preferred® Card
The Cons of Using Chase Sapphire Preferred® Card are:
- You will have to pay an annual fee
- There is no offer of intro APR
- The best travel rewards that you get are only for bookings through Chase
Country to Use Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card belongs to the visa card genre meaning the cards can be used in more than 200 countries and territories around the world. This is no surprise that Chase Sapphire Preferred® Card stands out as the best, all-around international travel card for most consumers.
Which Credit Card is Best for Family?
The credit card that is best for the family is the Citi® Double Cash Card best known for cash back. The credit card company will pay you 2% cash back on all purchases you made.
You will get 1% cash back on every dollar you spend, and another 1% back on every dollar you pay back.
Other great options of credit cards for families include Chase Sapphire Preferred® Card: Best for family travel; Blue Cash Preferred® Card from American Express: Best for gas and groceries; Capital One SavorOne Cash Rewards Credit Card: Best for dining and entertainment and; Amazon Prime Rewards Visa Signature Card: Best for online shopping.
Is There Such Thing As A Family Credit Card?
The credit card that is best for a family is the Citi® Double Cash Card best known for cash back. The credit card company will pay you 2% cash back on all purchases you made. You will get 1% cash back on every dollar you spend, and another 1% back on every dollar you pay back.
Which Card is Better for Kids?
While I was looking for the ideal card for my kids, I came across Greenlight Kids’ Debit Card, a great option for households with many kids.
The major benefits these cards offer kids are chore management, instant transfers, real-time notifications, spending controls by store, and many more benefits. Greenlight Kids’ Debit Card further covers up to five debit cards including the lowest-cost monthly plan.
However, the only downside to using this card is that spending is capped at the $1500 limit.
How do I Pick the Best Credit Card for my Family?
It’s easy to get overwhelmed by the choices that are out there, especially when you’re new to credit cards. Here are some suggestions on how to pick the best credit card for your family:
Check your credit
Before you attempt picking up a credit card for your family, it is important to first check your credit score to know whether you are eligible or not. If your credit score is better, you have a greater chance of getting a card with better financial organizations.
Find out which type of credit card best suits you and your family
There are different types of credit cards out there, so you have to find out the best credit card that suits you and your family. There are 3 credit cards options that you can choose from. They are:
- Cards that improve credit when it’s limited or damaged.
- Cards that save money on interest.
- Cards that earn rewards.
Putting these three factors in mind, you can make your pick. However, my recommendation for you is to go for cards that earn rewards when you perform any form of transaction.
Consider the value of freebies and rewards.
Not every reward or freebies is worth it. The value of rewards on some cards is meagre and it may be of no use to you. That is why you need to compare and consider the value of freebies and rewards offered by the various card options you have in mind.
Ask the right questions
It is important to ask the right questions to help you make the right decision regarding the various card options. You need to find out about the length of the percentage of APR or balance transfer cards as well as the policy, as well as other vital questions for clarification.
Apply for the credit card that offers you the highest overall value
Once you are satisfied with the options before you, now that you have finally gotten the card that best suit you, waste no time making your pick to begin enjoying value for your money.
How To Choose the Best Credit Card for Your Family?
It is important to consider the following things before choosing a credit card for your family. These are:
Select the type of credit card you want.
There are many card options available, all with different benefits and values. You have to make a big decision to choose the right card. To help you out, you must have an understanding of how credit cards work to find out the type of credit card that is right for you.
Furthermore, you need to consider the following as well:
- Improve your credit score
- The credit card that let you earn rewards on purchase
- The credit card helps you to pay off purchases over time without incurring interest.
- The credit card that helps you to save money
Find out About the Most Important Features
The next step to consider is to find out the features and services provided by the card options you have narrowed down. Below are some factors to consider to choose a card with the best feature that suits you.
- Credit cards help improve credit by charging no annual fee, and free credit score monitoring.
- Reward credit cards through sign-up bonus and or welcome offers, no foreign transaction fee, and credit card with friendly annual fee charges.
- Credit card with 0% intro APR credit cards
- Credit cards that allow balance transfer
Compare your Credit Card Options
this can prove to be difficult especially when you have 3 or 4 credit cards with similar options. The way to go about it is to select the credit card that best meets your category and goal for opting to choose a credit card.
On the other hand, you can make use of a credit card comparison tool to speed up the process.
Apply for the Credit Card that Best Suit You
Now that you have gotten the credit card that fits your category, take the final step to apply. The application process involves:
- Visit the website of your selected credit card and click on the “Apply Now” option
- Enter all the necessary details including your bio-data, and possibly financial information
- Apply and wait for feedback.
Which Credit Card Is Best for a Middle-Class Family?
From experience and having used different credit cards for some years now, the best credit card for a middle-class family is the Wells Fargo Active Cash® Card considered to be the overall best.
Among the top features this credit card offers include the best cash back credit card, cash rewards bonus, earn unlimited 2% cash rewards on Visa® purchases, no annual fee & 0% intro APR.
Other suitable options are:
- Blue Cash Everyday® Card from American Express best known for Best for Everyday Expenses
- com Credit Card best known for Amazon and Whole Foods
- Capital One Walmart Rewards® Mastercard® is best known for Cash Back at Walmart
Conclusion
Getting a family credit card is a wise move when you want to travel considering the numerous benefits. I believe you are now aware of the best credit card you can apply for your family to travel right now. Ensure you read thoroughly to get all the information you need. Let us know how helpful you find this informative piece.
