If you do not have the time, available funds or have scheduling conflicts within your family for a real vacation, use one of the four credit cards listed below to enjoy a spring break!

Citi Forward Card

Preparing meals is a way of life and it requires grocery shopping, prep work, the cooking, and the most difficult part, attempting to get all members of your family to sit down and enjoy the meal together, while it is hot.

With the Citi Forward card you cannot only avoid the work involved with cooking at home, but you can earn five ThankYou Points every time you spend $1 are restaurants. This also applies to purchases on music, movies, and books.

Sign-up bonus: Get $100 gift cards by earning 10,000 bonus points once you’ve spent $650 in purchases and within the first 3 months sign up for paperless statements.

Interest rate: First seven months enjoy a zero percent APR; then increasing to 12.99 percent, 20.99 percent or 22.99 percent variable APR determined by creditworthiness.

Chase Freedom Visa

Enjoy your spring break stay-cation by saving money when using your Chase Freedom Visa to pay for your next trip to the movies. After spending up to $1,500 between the movie theaters and purchasing groceries, you can get 5% cash back.

Sign-up Bonus: Make $500 in the first three months and earn $200 cash back.

Interest rate: Based on your credit rating, get a 15.99 to 22.99 percent variable APR.

Discover More Card

Enjoy your stay-cation by visiting a local museum and take in something as educational and fun as a dinosaur exhibit! Get benefits, like two-fer tickets, for museums and similar locations with the Discover More Card.

Interest rate: Zero percent APR on purchases in the first 15 months. This will change to 10.99 or 20.99 percent variable APR, based on your credit rating.

Visa Signature Card/ Chase Sapphire Preferred

If you and your family are enjoy sports, why not enjoy part of your stay-cation at a local sporting event. Even that can be costly, but if you cannot afford the pro teams, there are many local college or minor league teams. If sports is not your thing look into concerts during your spring break stay-cation. Attending a concert can make for a memorable stay-cation event.

The Chase Sapphire Preferred allows you 24/7 assistance and concierge service. Get special concert and sporting event access and tickets with the Visa Signature Card.

Sign-up Bonus: Make $3,000 in purchases in the first three months and earn 50,000 points.

Interest rate: There is no intro rate, but a 15.24 percent variable APR.