Primary pick
Chase Sapphire Preferred
Chase Ultimate
- Welcome bonus
- 75,000 pts
- Annual fee
- $95
after $5,000 spend in 3 months
Hawaii, USA · Family trip points
Best credit card for a family trip to Big Island (Hawaii)
Quieter than Maui, similar award-flight math. Hyatt Place Waikoloa Village is one of the cheapest family-friendly Hawaii hotel point redemptions.
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The honest math (family of 4, 5 nights)
220,000
points total · cash equivalent $4,500 · 2.05¢ per point realized
Flights
120,000 pts
Alaska Mileage Plan · 30,000/traveler RT
Hotel
100,000 pts
World of Hyatt · Hyatt Place Waikoloa Village (Cat 5)
The two cards to earn for this trip
Sapphire Preferred unlocks Hyatt transfers for the Hyatt Place Waikoloa Village (a Cat 5 family stay). The World of Hyatt card stacks additional Hyatt earning, a Cat 1-4 anniversary free-night cert, and accelerated elite-status nights.
Apply for Chase Sapphire Preferred
Pair with it
World of Hyatt Credit Card
World of Hyatt
- Annual fee
- $95
FAQ
How many points does a family of 4 actually need for Big Island (Hawaii)?
220,000 points total covers a family of 4 with 5 hotel nights at saver / off-peak pricing — 120,000 for flights (Alaska Mileage Plan at 30,000/traveler round-trip) and 100,000 for the hotel (World of Hyatt at 20,000/night). Cash equivalent ≈ $4,500, which works out to about 2.05¢ per point.
Why these two cards specifically?
Sapphire Preferred unlocks Hyatt transfers for the Hyatt Place Waikoloa Village (a Cat 5 family stay). The World of Hyatt card stacks additional Hyatt earning, a Cat 1-4 anniversary free-night cert, and accelerated elite-status nights.
What if I already have one of these cards?
If you already have one, look at whether you've actually earned that card's welcome bonus and the second-card pick still makes sense on its own. If both are already in your wallet, run the Big Island (Hawaii) math in the Family Trip Calculator with your actual scenario — you may already be close to the point total without a new application.
Should I apply for both at once?
Generally no — space applications 60–90 days apart so each welcome bonus has a clean spend window and neither pulls double-counts against Chase's 5/24. The Family Trip Calculator's earning math assumes one welcome bonus at a time.