The 4 Credit Cards that are always in my wallet

Advertiser Disclosure: The Rewards Mom has partnered with CardRatings for our coverage of credit card products. The Rewards Mom and CardRatings may receive a commission from card issuers. American Express is a TheRewardsMom advertiser.

As a mom on a mission to travel more with my family while spending less, I’ve found a few credit cards that are the best for beginners. However, after years of navigating the points and miles world, these five cards have earned a permanent spot in either my wallet or my husband’s. Each card offers unique perks that help us maximize every dollar spent and turn everyday expenses into unforgettable family memories. Let me share why these cards are my favorites and why they might just be perfect for your wallet too!

Chase Sapphire Preferred(R) Card: The Ultimate Starter Card for Family Travel

Chase Sapphire Preferred(R) Card is hands-down my top pick for anyone just getting started with points and miles.

• Hyatt Points for Amazing Value: I absolutely love using Chase Ultimate Rewards® points for Hyatt stays. The value you get with Hyatt redemptions is unbeatable, making your family vacations more luxurious without the extra cost.
• Super Easy to Use: Chase Ultimate Rewards® are widely regarded as the easiest points to use and understand, which is why this card is often recommended as the best starter card in the points and miles world. You don’t need to be a points expert to start reaping the rewards.
• Boosting Cash Back Cards: If you have any Chase cash back cards, the "cash back" is actually awarded in the form of points. By pairing those cards with the Chase Sapphire Preferred, you can transfer those points into Ultimate Rewards®, effectively boosting your earning potential.

Capital One Venture X Rewards Credit Card: The Key to Family Lounge Access

Capital One Venture X Rewards Credit Card has quickly become my go-to card for luxury travel, especially when it comes to making airport experiences smoother and more enjoyable for the whole family.

• Lounge Access for the Whole Family: One of my favorite perks of the Capital One Venture X is the generous lounge access. Each cardholder and authorized user can bring two guests into the lounge—no extra charge and no age restrictions!
• Simple Earning Structure: Earning 2X miles on every purchase means I don’t have to overthink which card to use. It’s perfect for the busy mom who wants straightforward rewards without the fuss.

The Platinum Card(R) from American Express

This is the card my husband carries for his business, and it’s an absolute powerhouse for those who travel often or want to take advantage of premium perks.

• Perfect for Work Travel: My husband isn’t as into the points and miles hobby as I am, but The Platinum Card is a win-win for us. The perks, especially for business travelers, make this card more than pay for itself.
• Access to the Best Lounges: With access to over 1,400 airport lounges worldwide, this card is really hard to let go of once you have it. The Centurion Lounge and Delta Lounge access adds a VIP touch to our special trips together, perfect for couple travel.
• 5X Points on Flights: You earn 5X points on flights booked directly with airlines or through American Express Travel, up to $500,000 per calendar year. This helps us rack up points fast for our family trips.

Ink Business Unlimited(SM) Credit Card: Maximizing Everyday Spending

This card is my secret weapon for maximizing rewards on everyday purchases when I’m not focused on a welcome offer.

• Flat 1.5% Cash Back on All Purchases: It earns 1.5% back on everything, which can be converted into Chase Ultimate Rewards® points when paired with the Chase Sapphire Preferred.

Final Thoughts: Why These Cards Work for Our Family

These five credit cards each play a crucial role in our family’s travel strategy. Whether it’s the ease of earning and using Chase Ultimate Rewards®, the comfort of lounge access with the Capital One Venture X®, or the unexpected perks of The Platinum Card® from American Express, these cards work together to make our travel dreams a reality. If you don’t think you qualify for a business card, make sure to check out this post.

If you’re ready to start your own journey into the world of points and miles, these cards are a great place to start. The key to success is finding the cards that fit your spending habits and travel goals. With the right strategy, you can unlock a world of travel opportunities for your family.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities.

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Advertiser Disclosure: The Rewards Mom has partnered with CardRatings for our coverage of credit card products. The Rewards Mom and CardRatings may receive a commission from card issuers.