Primary pick
Chase Sapphire Preferred
Chase Ultimate
- Welcome bonus
- 75,000 pts
- Annual fee
- $95
after $5,000 spend in 3 months
Mexico · Family trip points
Best credit card for a family trip to Cancun
Closest international beach for most of the US. Hyatt Ziva Cancun is one of the best all-inclusive points redemptions in the program. AA SAAver is the cheapest cash-equivalent path.
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The honest math (family of 4, 5 nights)
195,000
points total · cash equivalent $4,075 · 2.09¢ per point realized
Flights
70,000 pts
American AAdvantage · 17,500/traveler RT
Hotel
125,000 pts
World of Hyatt · Hyatt Ziva Cancun (all-inclusive) (Cat 6)
The two cards to earn for this trip
Chase Sapphire Preferred → Hyatt covers the Ziva all-inclusive (best per-point value). Venture X earns Capital One miles transferable to Wyndham (good for Margaritaville Cancun) and includes Priority Pass for the family at MIA / DFW connections.
Apply for Chase Sapphire Preferred
Pair with it
Capital One Venture X
Capital One
- Annual fee
- $395
FAQ
How many points does a family of 4 actually need for Cancun?
195,000 points total covers a family of 4 with 5 hotel nights at saver / off-peak pricing — 70,000 for flights (American AAdvantage at 17,500/traveler round-trip) and 125,000 for the hotel (World of Hyatt at 25,000/night). Cash equivalent ≈ $4,075, which works out to about 2.09¢ per point.
Why these two cards specifically?
Chase Sapphire Preferred → Hyatt covers the Ziva all-inclusive (best per-point value). Venture X earns Capital One miles transferable to Wyndham (good for Margaritaville Cancun) and includes Priority Pass for the family at MIA / DFW connections.
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 Cancun 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.