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Your children have grown and left home . So? For many people, being an empty nester is a challenging and lonely transition.However, although there are drawbacks, there are also advantages to being an empty nester. In many cases, this life stage offers an opportunity to bounce back financially from the cost of raising a family and the ability to shift priorities and finances to new adventures.

Rewards credit cards can unlock access to perks that are ideal for a burglar lifestyle, from practical to adventurous. Earn rewards for spending categories for , dining out, entertainment, travel and other purposes. But they also help pay off debt, so you can spend more resources on leisure activities, hobbies, and travel.

For couples, the reward can be doubled for her by adopting a strategy in which two players claim cards that award the same reward. Or you can apply for a card that offers benefits and rewards that share or complement other cards.

Either way, empty kids can boost their rewards by getting a credit card that allows them to earn bonus rewards in matching categories. Along with the evolution of consumption habits.

Capital One VentureOne Rewards Credit Card: Best for New Travelers

Why This Credit Card?: The Capital One VentureOne Rewards credit card comes with several travel perks that will appeal to couples traveling with children for the first time, including travel insurance and access to Capital One lounges, without the annual fee. . Earn 1.25 miles per dollar spent with this card and unlimited 5 miles per dollar spent on hotels and car rentals booked through Capital One. We also offer flexible redemption to book travel, reimburse past travel purchases and transfer miles to over 15 travel loyalty programs.


  • Great welcome offer (20,000 bonus miles when you spend $500 within the first 3 months)
  • No annual fee
  • No foreign transaction fees


  • High APR range
  • Continuous reward rate is relatively low

Who Should Apply: : People who want to start traveling more and are interested in finding travel rewards for the first time. This card has no annual fee and a generous welcome offer (with low spending requirements) that makes it easy to earn travel rewards.

Who to Skip: More sophisticated travelers with access to luxury travel and other perks.

American Express Platinum Card: Perfect for Luxury Travel

Why I chose this card: The American Express Platinum Card® is the new Child We provide a gateway to luxury travel for free customers. The card has a hefty annual fee of $695, but the card's many benefits make it well worth it. Perks include $200 annual hotel credit, airport lounge access, elite hotel status and superior travel insurance.


  • Generous Welcome Bonus (100,000 Membership Rewards Points, after spending $6,000 in first 6 months)
  • Elite Marriott and Hilton Status
  • Some Partner Credits


  • High annual fee ($695)
  • Bonus category available through American Express Prefer direct payment
  • Complex rewards

Who should apply: Frequent trips looking forward to ambitious adults R&R style, including long flights, fine dining, luxury accommodations, and willing to pay for access to luxury travel perks. With a high annual fee, this card is ideal for those who plan to take advantage of most of the card's partner credits and other perks.

Skip: People who don't travel in a style that's worth paying a hefty price every year.

Capital One SavorOne Cash Rewards Credit Card: Perfect for Foodies

Why We Chose It: For dining out or entertaining guests at home foodies and culture enthusiasts will appreciate the Capital One SavorOne Cash Rewards credit card cash back offer on dining, entertainment, groceries, streaming services and travel booked through Capital One. The card also has no annual fee and comes with a nice welcome offer.


  • Easy to earn welcome offer ($200 after purchase) spend $500 in first 3 months)
  • Annual fee $0
  • Long introductory APR offer for purchases and balance transfers (0% for purchases and balance transfers for 15 months, 3% commission) )
  • Disadvantages

    • Needs good credit
    • High APR range after introductory period

    Audience : People who don't want to pay the annual fee, people who spend a lot of money on eating out, traveling, entertainment, etc.

    Who to skip: People who want to make money

    Chase Freedom Unlimited®: Great for savers

    Get this card Reason for choosing: Chase Freedom Unlimited® offers a nearly perfect combination of cash back benefits with no annual fee. The card earns at least 1.5% cash back on all purchases, plus higher bonus percentages on categories such as dining, drugstore purchases and travel purchased through Chase Ultimate Rewards. increase. Don't forget the 0% adoption APR for 15 months on card purchases and balance transfers (18.74% to 27.49% thereafter).


    • No annual fee
    • 5% cash back with Lyft (until March 2025), 3% cash back on purchases at restaurants and drugstores
    • Long APR period (15 months)


    • 3% international transaction fee
    • 3Balance transfer fee rate increased to 5% after 60 days
    • Booked through the Chase Ultimate Rewards Portal For travel, points are only worth 5%

    Applicants: Get cashback rewards on your daily spending without paying an annual fee Those who want to earn, or who already have a more premium Chase travel rewards card such as Sapphire Preferred, to transfer rewards for better redemption.

    People to skip: People who want to increase the value of their trip. (Consider pairing with Chase Sapphire Preferred for more flexible reimbursement.)

    Wells Fargo Reflect® Card: Perfect for Debt Repayment

    Why We Chose : If the kids in your empty house are renovating or trying to get off debt from sending your kids to college, the Wells Fargo Reflect® Card has one of the longest referral APR offers available. Included. This no annual fee card offers 0% first-year APR upon purchase for 18 months and eligible balance transfers from account opening (17.24% to 29.24% variable APR thereafter). You can extend your trial period by up to 3 months by paying a minimum monthly payment during the trial and extension period.


    • Long Term Adoption APR Offer (18 Months)
    • No annual fee
    • Mobile phone protection (up to $600, $25 deductible)


    • No ongoing rewards program
    • No welcome bonus offered
    • 3% foreigners Transaction Fees

    Target Audience: Vacant homes about to make a large purchase, or anyone who wants to pay off an existing debt without high interest.

    Who to Skip: People who want to earn rewards with their cards.

    How to choose a card for a vacant house

    As you transition to a new life stage, there are several factors to keep in mind when choosing the best credit card for a vacant house. Here are some things to keep in mind when choosing :

    Spending Habits: The transition to life with an empty nest can change how you spend your money. Instead of spending a significant portion of your monthly budget on groceries, you may decide to eat out more. For vacant homes, travel is often a priority, so a card that lets you earn bonus points on gas purchases or earn miles on reward flights may be a good fit. Determine where you're spending the most money and find loyalty cards that pay big in those categories.

    Welcome Offer: There's no better way to earn points and miles faster than qualifying for a welcome offer. Offers. Many cards allow you to earn his bonus for signing up by meeting spending requirements for a certain period of time. Make sure you meet the card usage requirements to be eligible for the welcome offer.

    Card Benefits: Beyond benefits, ongoing benefits, brand partnerships, elite loyalty status, travel and purchase protection, cell phone insurance, and more You should think about the long-term perks associated with the card, such as.

    Redemption Options: Select a credit card with redemption options for your preferred redemption, such as travel type and cash back or travel upgrades. please. If you're not sure how you want to spend your rewards, look for flexible rewards credit cards that offer multiple redemption options.

    Fees: Annual fees add value to a credit card in some cases, especially if the card has no long-term benefits. Weigh the value the card offers against the annual fee to make sure it's worth adding to your wallet.


    A life worth living even if it's an empty nest. There are many adventures to plan. With a solid credit card, you can earn rewards for travel and other redemptions. Earn rewards that match your spending habits, plus access valuable Kirk benefits like loyalty status, travel and purchase protection, and partner perks.

    Consider changes in your finances, lifestyle, and spending. Decide if one of these credit cards is right for you now. Use Bankrate's CardMatch tool to find credit cards that match your spending habits and earn rewards that match your needs.