Points strategy that fits a family budget.
Real recommendations for parents with one or two cards, written without the premium-solo-traveler assumptions. Groceries, diapers, daycare, Disney — how to earn more on the spending you already do.
The cornerstone guides
Twelve long-form guides covering the questions parents actually ask — earning on family spend, two-parent strategy, and getting your household to a real award trip.
Earning on family spend
Best credit card for groceries — feeding a family edition
The honest grocery-card matchup at family-of-four spend, not a $300/mo single-person budget.
Read the guideBest card for diapers, baby supplies, and drugstore spend
Drugstore multipliers, target circles, and the cards that quietly out-earn the obvious picks.
Read the guideBest cards for paying childcare and daycare
Paying preschool by card — what earns, what gets refused, and the fee math that decides it.
Read the guide
Family travel
How to fly a family of 4 to Disney World on points
A realistic playbook: which programs, how many points, and which redemption windows actually work for parents.
Read the guideBest family travel redemption: Hyatt vs Marriott vs airline miles
Which currency stretches furthest when you need two rooms or four seats together.
Read the guide
Two-parent households
Two-parent households: whose name on which card and why
The P1 / P2 split that quietly doubles your welcome bonuses without doubling your work.
Read the guideThe honest annual fee math when you're a one-income family
Keep, downgrade, or cancel: the per-card decision tree that survives a tight household budget.
Read the guide
Life stages
Building credit while on parental leave or as a stay-at-home parent
Household income on a single application, AU strategy, and the cards that approve without W-2 drama.
Read the guideAuthorized-user strategy: building your kid's credit before 18
Which cards report AUs, when to start, and how to undo it cleanly when your kid heads to college.
Read the guideCards for adoption, IVF, and family-building expenses
Big one-time spend, welcome bonuses, and which cards treat fertility clinics as medical category.
Read the guideTax-deductible business cards for parent freelancers and side-hustlers
Side-gig income is enough — here's how to use a business card to separate family from work spend.
Read the guide
Buyer's guides
Best card for the things families actually spend on
Each guide is scoped to a specific family situation, picked from the same catalog the PointsCraft iOS app uses.
Best credit cards for family travel
Top pick: Chase Sapphire Preferred
Best grocery card for a family of four
Top pick: Amex Blue Cash Preferred
Best credit card for diapers and drugstore spend
Top pick: Chase Freedom Flex
Best card for paying daycare and preschool
Top pick: Amex Blue Business Plus
Best credit card for a Disney World family trip
Top pick: Chase Sapphire Preferred
Best no-annual-fee cards for parents
Top pick: Chase Freedom Unlimited
Best card for streaming subscriptions
Top pick: Amex Blue Cash Preferred
Best gas card for a suburban family
Top pick: Amex Blue Cash Preferred
Best dining card when you eat out with kids
Top pick: Amex Gold
Best first credit card to get as a new parent
Top pick: Chase Sapphire Preferred
Free tools for parents
Plug in your real numbers, get a real answer. No ads, no email wall.
Family Trip Calculator
LivePick travelers, dates, and a destination — get the best card to earn for it, points required, and cash equivalent.
Household Spend Optimizer
Coming soonEnter monthly spend by category and find the best 2-card combo for your household, with a year-one value projection.
Best card for a family trip to…
Pick a destination, see the two cards that earn the points fastest for it, and the honest cents-per-point math at typical family cash prices. 15 destinations.
Florida, USA
Orlando (Walt Disney World)
Hawaii, USA
Maui (Hawaii)
Hawaii, USA
Big Island (Hawaii)
Mexico
Cancun
Mexico
Cabo San Lucas
Northeastern USA
New York City
California, USA
San Francisco
Wyoming / Montana, USA
Yellowstone National Park
California, USA
San Diego
Nevada, USA
Las Vegas
United Kingdom
London
Japan
Tokyo
Iceland
Reykjavik
Central America
Costa Rica
Caribbean
Aruba