There are two kinds of people with credit cards:

  1. Those who pay their credit card balance every month.
  2. Those that don’t.

If you are a part of the second group, shred your credit card, go cash-only, and bookmark this page for later.

If you belong to the first group, then you could earn some nice perks.

By accumulating a lot of points, my husband got to fly to his residency interviews and away rotations for FREE.

Not only that, travel is so important to our young family, even during residency. Our kids all got passports before they were one year old and they have spent a lot of time in airports.

Your family can do the same.

Theresa, how do you get said points!?

We use one credit card, charge our day-to-day expenses like gas and groceries on it, and get points each time.

The secret sauce is having the right card that gives the most bang for your buck.

Not all cards give valuable points. Some cards outright have points that suck.

Not our card, though. This is the card we use:


Points accumulate fast on the chase Sapphire Preferred.

New to credit card rewards? No biggie, it should be the one you start with if you are new to accumulating points.

Chase Sapphire Preferred allowed us to earn FREE travel, and it can help you and your family earn FREE travel, too!

Reminder: If you use that link and apply for that card, I may receive a commission.