The 3 cheapest ways to get to Hawaii on points and miles

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• Hawaii is one of the most popular vacation destinations, but it's not always the most budget-friendly.
• Thankfully, there are several options for using points and miles to book award flights and hotel stays. 
• Using cards like the Chase Sapphire Preferred® Card, American Express® Gold Card, and Marriott Bonvoy Brilliant™ American Express® Card can help you earn enough rewards to book flights and hotels.
• Read Insider's guide to the best travel rewards credit cards.

Hawaii is one of those destinations that's perfect for everyone: Couples looking for a honeymoon, adventurous single travelers, and families alike can find the perfect vacation spot in the Aloha State.

Vacationing in Hawaii can also get expensive, especially for families of four or more. Three's the cost of airfare, hotels, activities, and meals. It can add up substantially and make it difficult to afford for the average family. Luckily, there are ways to substantially reduce the cost of a Hawaii vacation for families by using rewards and benefits from some of the best credit cards.

Here are the cheapest ways to get a family to Hawaii on points and miles.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Use airline miles to fly to Hawaii 

1. United 

Flying to Hawaii has gotten much cheaper in recent years, especially on points. The last time I flew to Maui, I redeemed 45,000 United miles for a round-trip flight. Now, the same ticket can be booked for just 20,000 Turkish Airlines miles.

If you're confused as to how to get ahold of Turkish Airlines miles, it's actually pretty easy. Pick up a Citi Premier® Card and you can earn a welcome bonus of 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Then, transfer the Citi points to Turkish Airlines at a 1:1 ratio to book award flights on its Star Alliance partner, United. With a welcome offer like that, you could fly a family of four to Hawaii.

2. American Airlines flights booked with Avios

If you live on the West Coast, British Airways Avios are a great option for getting you to Hawaii. The distance-based program partners with American Airlines. You can book a one-way flight within a distance of 2,001-3,000 miles for just 13,000 Avios during off-peak dates. The great thing about this program is that the points are easy to earn.

British Airways is a transfer partner of Chase Ultimate Rewards®, Amex Membership Rewards, Capital One miles, and Bilt Rewards. So, for example, you can transfer points earned from Chase Sapphire Reserve®, American Express® Gold Card, Capital One Venture Rewards Credit Card, or Bilt Mastercard® to top off your Avios account.

In addition, there's also the British Airways Visa Signature® Card, which is currently offering British Airways Visa Signature® Card.

3. Southwest Airlines

Southwest Airlines operates flights to Honolulu, Kahului (Maui), Lihue (Kauai), and Kona (Big Island) from several West Coast cities. Redemption rates depend on the cost of paid fares, but you can book a Wanna Get Away Fare between Oakland and Maui for as little as 80,967 points one-way. Check out the Southwest personal credit cards:

• Southwest Rapid Rewards® Plus Credit Card — Southwest Rapid Rewards® Plus Credit Card (Southwest Rapid Rewards® Plus Credit Card annual fee)
• Southwest Rapid Rewards® Premier Credit Card — Southwest Rapid Rewards® Premier Credit Card (Southwest Rapid Rewards® Premier Credit Card annual fee)
• Southwest Rapid Rewards® Priority Credit Card — Southwest Rapid Rewards® Priority Credit Card (Southwest Rapid Rewards® Priority Credit Card annual fee)

Southwest is an especially great option for Hawaii flights if you have the Southwest Companion Pass. You can book yourself a flight on points and your companion will fly for free, minus taxes and fees. I know couples who each earn the Companion Pass and then designate their children as their companions. As a result, they save 50% on airfare when traveling as a family.

Hotel credit cards that cover hotels for four

World of Hyatt, Hilton Honors, and Wyndham Rewards are the best options when it comes to booking free family hotel stays in Hawaii. Their redemption rates, paired with credit card welcome bonuses, make them attractive options.

Hyatt

The World Of Hyatt Credit Card currently offers The World Of Hyatt Credit Card. That's enough for multiple nights at a Hyatt Hawaii hotel.

• Hyatt Residence Club Maui, Ka'anapali Beach — from 25,000 points per night
• Andaz Maui Wailea — from 35,000 points per night
• Hyatt Regency Maui — from 21,000 points per night
• Grand Hyatt Kauai — from 21,000 points per night
• Hyatt Regency Waikiki Beach — from 17,000 points per night
• Hyatt Centric Waikiki — from 12,000 points per night
• Hyatt Place Waikiki — from 9,000 points per night

If you're looking for a bigger bonus, the Chase Sapphire Preferred® Card is currently offering 80,000 points. With this bonus, you can book two nights at a high-end Hyatt hotel or up to six nights at the Hyatt Place Waikiki. The great thing about Hyatt Place hotels is that they tend to have spacious rooms with sofa beds and free breakfast for everyone — a great value for families looking to maximize points and save on meals.

Hilton

For the highest Hilton credit card welcome bonus, look no further than the Hilton Honors American Express Aspire Card. It pays out Product Card 5e83676c2d41c1513e6050e7. That's enough for two to three nights at one of Hilton's many Hawaiian resorts:

• Hilton Garden Inn Kauai Wailua Bay — 50,000 points per night
• Hilton Waikoloa Village — 60,000 points per night
• Hilton Waikiki Beach — 60,000 points per night
• Hilton Garden Inn Waikiki Beach — 50,000 points per night
• Hilton Hawaiian Village Waikiki Beach Resort — 60,000 points per night

The card comes with Hilton Diamond elite status, entitling you to space-available room upgrades, free breakfast, and executive lounge access (where available). If the card's Hilton Honors American Express Aspire Card annual fee is out of your budget, consider the Hilton Honors American Express Surpass® Card instead. Its bonus is 130,000 points after you spend at least $2,000 in your first 3 months of account opening. 

The Surpass Card does come with free Hilton Honors Gold elite status, so you'll qualify for free breakfast (currently awarded as a food and beverage credit at US properties). If you manage to spend $40,000 on eligible purchases on the card in a year, you'll get upgraded to Diamond elite status.

Wyndham Rewards

Wyndham Rewards is probably the best rewards program for families. Free nights range from just 7,500 to 30,000 points for standard award nights. Best of all, most of their resorts are actually condos. That's ideal for families looking for amenities like an extra bedroom, a full kitchen, and a washer/dryer.

Here are a few Wyndham properties in Hawaii:

• Kona Coast Resort
• Holua Resort at Mauna Loa Village
• Wyndham Kona Hawaiian Resort

How to redeem points for activities in Hawaii

Hawaii can be a pricey destination, and activities on the islands are no exception. Whether you're looking to go on a family diving excursion or parasail outside your resort, it can get expensive for families. There are many ways to off-set these expenses using credit cards. My favorite? The Chase Ultimate Rewards travel portal, which offers some really great deals on activities.

I often book tours and activities using Chase Ultimate Rewards points. In addition to competitive rates, you get pretty good value for your points. If you have the Chase Sapphire Reserve®, your points are worth 1.5 cents each while the Chase Sapphire Preferred® Card gets you 1.25 cents per point in value.

You can also utilize miles from the Capital One Venture Rewards Credit Card to cover the cost of activities. Points can be redeemed for 1 cent each as a statement credit toward eligible travel purchases.

One final tip for activities: If you're traveling to Maui, I highly recommend getting the Shaka Gold Card. Membership costs just $30 and covers up to four people. In turn, you'll receive discounts of up to 50% on activities like jet skiing, snorkeling tours, and everything in between.

Credit cards that help you cover incidentals, meals, and resort fees

Airfare, hotels, and activities may be the biggest expenses for most people, but once you step foot in the hotel, there are other costs that can add up. There are daily resort fees to contend with, not to mention meals and incidentals. Luckily, there are ways to offset these expenses with the right credit cards.

My favorite option? Pay these rewards with your Capital One Venture Rewards Credit Card and redeem miles toward statement credits. If you have the Hilton Honors Aspire Card, you won't even have to worry about many of these charges, to begin with. For starters, the card offers up to a $250 annual Hilton resort fee credit that you can use toward dining, spa purchases, and more. Additionally, if you're paying for a two-night minimum stay at HiltonHonors.com/aspirecard, you'll receive up to $100 in credits at participating Waldorf Astoria and Conrad Hotels. It has a Hilton Honors American Express Aspire Card annual fee.

The Marriott Bonvoy Brilliant™ American Express® Card offers up to $300 in annual statement credits that can be used to cover eligible purchases at restaurants worldwide (up to $25 per month). The $300 annual travel credit from the Chase Sapphire Reserve® is probably the best option, since it can be applied toward any travel purchase. Whether it's resort fees at a Hilton hotel, car rental charges, or a SNUBA diving adventure — if it's coded as a travel purchase, the credit will be automatically applied.