{"id":116741,"date":"2025-05-30T23:59:01","date_gmt":"2025-05-30T23:59:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=116741"},"modified":"2026-04-08T14:16:43","modified_gmt":"2026-04-08T14:16:43","slug":"premium-card-benefits-for-families","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/premium-card-benefits-for-families\/","title":{"rendered":"Premium Credit Card Perks That Make Family Travel Smoother (and Cheaper)"},"content":{"rendered":"

Premium credit cards may charge hefty annual fees, but they\u2019re also packed with high-value perks that can elevate any family vacation. From annual statement credits to airport lounge access<\/a>, the right benefits can make travel more comfortable, more convenient, and yes, even more affordable, despite the upfront cost.<\/p>\n

With several premium cards on the market, each offering its own set of standout features, it\u2019s worth knowing which perks matter most when you\u2019re traveling with kids in tow. Here are some of the top premium credit card benefits that make family travel easier and more enjoyable.<\/p>\n

Related: How to Create a Travel Rewards Credit Card Strategy for Families<\/a><\/strong><\/p>\n

First, Choose Which Type of Points You Should Earn<\/span><\/h2>\n

When considering a premium card that can elevate your family travel, it's important to know the different types of reward points<\/a>, especially the difference between transferable points and points earned within loyalty programs. This will help you to distinguish which credit cards are actually most valuable to your family's specific travel needs.<\/p>\n

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Credit: Mika Baumeister\/Unsplash<\/em><\/enter><\/figure>\n

Premium credit cards<\/a> that offer transferable points provide much-needed flexibility to any travel rewards wallet. The most popular cards with transferable points are offered by American Express, Chase, Citi, and Capital One. Each card has its own set of perks, but you can expect benefits like annual travel credits<\/a>, exclusive lounge access<\/a>, and complimentary elite status<\/a> from select programs.<\/p>\n

Related: Best Credit Cards for Travel Purchases<\/a><\/strong><\/p>\n

Points and miles earned through co-branded premium credit cards differ from transferable points in that they belong exclusively to the loyalty program in which they're earned. Unlike transferable points, you won't lose your rewards if you elect to close your card.<\/p>\n

Typically, these points can only be used within that program or transferred to select partners (though this may have fees or cause your points to lose value). Examples here include earning miles with American Airlines or Delta Air Lines, rather than earning American Express Membership Rewards<\/a> that you can transfer to 20 different airline and hotel programs.<\/p>\n

When choosing which type of card to get, we recommend having at least one card that earns transferable points. When opening a card that earns hotel points or airline miles, choose one that rewards you with your preferred airline or hotel brand.<\/p>\n

Let's look at some transferable options that are particularly helpful for families in terms of the travel they can help you book.<\/p>\n

Vacasa rentals<\/span><\/h3>\n

Many families prefer to stay in a vacation rental<\/a> rather than a hotel on their trips. This allows kids and parents to have their own space and prepare meals in a kitchen rather than rely on restaurants with picky kids.<\/p>\n

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Credit: Capital One<\/em><\/enter><\/figure>\n

Luckily, Capital One Miles<\/a> can be transferred to Wyndham Rewards at a rate of 1:1, and Wyndham Rewards can be used to book Vacasa rentals<\/a>. And if you need to earn Capital One Miles, look no further than the Capital One Venture X Rewards Credit Card<\/a>, which comes with all sorts of additional travel-related benefits.<\/p>\n

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Capital One Venture X Rewards Credit Card<\/div>\n
\"Capital<\/div>\n
How to Apply<\/a><\/div>\n
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Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div>\n <\/div>\n
\n Capital One Venture X Rewards Credit Card<\/strong>\n
Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div>\n
Annual Fee:<\/strong>$395<\/b><\/div>\n
Show more<\/a>Why We Like It<\/a>Earning Rates<\/a>
The Capital One Venture X Rewards Credit Card is a premium travel-focused card, stacked with benefits. Cardholders get complimentary access to Capital One Lounge and Landing locations and participating Priority Pass\u2122 lounges (after enrollment), receive up to a $300 annual travel credit for bookings via Capital One Travel and up to a $120 credit for Global Entry or TSA PreCheck\u00ae<\/sup>. There's also an anniversary bonus of 10,000 miles, equivalent to $100 towards travel. High earning rates include 10X miles on hotels and rental cars and 5X on flights and vacation rentals booked through Capital One Travel, plus 2X on all other purchases.<\/div>