Having worked for a credit card company, I always put everything on credit cards – it is all about getting something for spending… be it cash back, miles or in my case Starpoints.
I love my Starwood American Express Card and a lot of it has to do with the great loyalty program Starwood has. There are no black out dates, you can use points as currency and they have beautiful properties all over the world. We have enjoyed free nights or reduced rates all over the place… from a staycation in NYC and a beautiful resort in Vermont to places abroad (India, London, Turkey).
Most people spend money on every day necessities like groceries, gas, etc. If you put it on the Starwood American Express Card, the Starpoints will add up quickly. The beauty of this card is that you can redeem for free nights at some properties for 3,000 points ( a much lower redemption than many other hotel chains). An up to 25,000 points acquisition bonus gets you on your way to free nights after your 1st purchase.
If you have to spend the money anyway, use your credit card for all purchases and save money on your next family vacation… 🙂