The best credit cards for families are those with flexible spending accounts. With these types of programs, you can set aside money each month to pay your child’s extracurricular activities or other personal costs without worrying about running out of cash on the spot because it will be reimbursed later when they submit their receipts at tax time.
However, if you use the appropriate credit card, you may reduce these costs and gain access to other benefits.
Along with rewards programs, many of the best credit cards provide useful features like purchase protection, travel insurance, and expense management tools.
Beyond paying bills, families have a lot of other responsibilities, thus the best credit cards were recommended based in part on their flexibility and ease of use.
After all, adding “how to figure out your credit card rewards” to your to-do list is the last thing you want to do.
Select has compiled a list of the top credit cards for families in a variety of spending areas below.
Best Family Credit Cards
- Best for family travel: Chase Sapphire Preferred® Card
- Best for online shopping: Amazon Prime Rewards Visa Signature Card
- Best for gas and groceries: Blue Cash Preferred® Card from American Express
- Best for cash back: Citi® Double Cash Card
- Best for dining and entertainment: Capital One SavorOne Cash Rewards Credit Card
The Qualities Of A Good Family Travel Credit Card
Finding a travel credit card that works for you and your family is just like finding any other type of credit card. When it comes to travel, your family’s needs may be extremely different from those of another.
Some families could opt to use their points as efficiently as possible at less expensive lodgings, while other families might want to treat themselves at a resort that they might not have otherwise been able to visit.
The following are frequent benefits of travel credit cards:
- Access to airport lounges
- For automatic loyalty status, major hotel chains,
- Free hotel nights yearly
- Trip protection
- Car rental insurance for car rentals
- Credits for travel statements
- Reward
$50 in annual rewards for Ultimate Rewards Hotel Credit Chase Ultimate Rewards® offers 5X points for travel purchased, 3X points for dining, 2X points for all other travel expenditures, and 1X points for all other transactions.
- Greeting bonus
After making $4,000 in purchases during the first three months after account opening, earn 60,000 bonus points. When you redeem through Chase Ultimate Rewards®, that amounts to $700.
- The yearly cost is $95
- Preamble APR None
- The regular APR for transfers and purchases runs from 17.49 to 24.49 percent. This is a lower annual fee than some.
- The fee for balance transfers is $5 or, in the case of each transfer, five percent of the total amount, whichever is higher.
- Non-fee foreign transaction
- Needs credit: Excellent/Good
Best For Gas And Groceries
Who doesn’t love a good reward? If you’re always doing errands and chauffeuring your family around, then this card is perfect for you! With the American Express Blue Cash Preferred® Card’s 6% cash back rate on up to $6K in annual expenditures (then 1%), it will be like magic when all those expenses add up.
At American petrol stations, customers can receive 3% cash back on gas purchases. You can get 3% cash back even if you decide to take public transportation like taxis, ride-sharing services, trains, or buses. You receive 6% cash back on a few streaming subscriptions and 1% cash back on all other purchases in addition to grocery, petrol, and transportation rewards.
Conveniently, you can exchange cash back for a statement credit to pay your account. Cardholders can also benefit from Amex Offers, which allow you to earn a statement credit or extra cash back at specific stores.
Although there is a $95 annual fee for this card (see rates and fees), it can be mitigated by the cash back and savings you can obtain from Amex Offers.
- Rewards
6 percent cash back at American supermarkets on up to $6,000 in annual purchases (then 1 percent), 6 percent cash back on a few streaming services, 3 percent cash back at American gas stations, 3 percent cash back on transit services like buses, taxis/rideshare, tolls, parking, trains, and more, and 1 percent cash back on other purchases. Reward Dollars, which can be redeemed for a statement credit, are received as Cash Back.
- Greeting bonus
After making $3,000 in transactions with your new card during the first six months, you will receive a $350 bill credit.
- The yearly cost is $95
Intro APR
On purchases made after the account was opened, the introductory APR is 0% for 12 months from account opening; for qualifying balance transfers, it is N/A.
- Regular APR
Varies between 15.49% and 25.49%
- Fee for balance transfers N/A
- Foreign exchange commission: 2.7 percent foreign transaction fee
- Needs credit: Excellent/Good
Best For Cash Back
This is for whom? The flat-rate Citi® Double Cash Card is the best choice if you’re searching for a basic cash-back card. Cardholders receive a total of 2 percent cash back on all purchases: 1 percent while making a transaction and another 1 percent when paying their credit card bill. There is no easier way to put it.
You are not restricted in how much cash back you can earn, and bonus categories are not a concern. Additionally, you can redeem your rewards for a statement credit to pay your payment later or a direct deposit into your bank account.
This card is excellent for families because there is no yearly charge. Just be aware that there is a 3 percent foreign transaction fee when making purchases outside of the U.S.
- Rewards
2% cash back: 1% on all eligible purchases, plus 1% more after your credit card payment has been paid.
- Greeting bonus: No current deal
- The yearly cost: $0
- In the first 18 months, the intro APR on balance transfers is 0%; for purchases, it is N/A.
- Regular APR on purchases and balance transfers ranges from 15.49% to 25.49%.
- Fee for balance transfers
An initial balance transfer cost of 3 percent of each transfer ($5 minimum) is charged for balance transfers finished within 4 months of account activation; thereafter, a balance transfer credit card fee of 5 percent of each transfer ($5 minimum) is charged.
- Fee: Foreign Transaction Fees of 3 percent
- Needs credit: Good/Excellent
Best For Dining And Entertainment
This is for whom? The Capital One SavorOne Cash Rewards Credit Card is a money-saving card if you enjoy dining out with your family (whether it’s takeout or a sit-down meal) and going to the movies, amusement parks, or zoo.
Schwab’s 3% Cash Back Card is a great option for people who spend their money on food and entertainment. You could get up to $ubi back at grocery stores or 1 percent cash back when you make other transactions! There also isn’t an annual fee, so it won’t interrupt your savings account by earning competitive rates with this amazing offer from Schwab.
One of the finest welcome incentives currently offered to new cardholders is $200 after spending $500 in the first three months after creating your account. At any time, cashback may be claimed for a statement credit, check, or gift card.
Cardholders can take advantage of access to exceptional events, including the Capital One JamFest and the iHeartRadio Music Festival if they wish to take their family to a special entertainment event.
In addition to rewards, there is an introductory 0% APR on purchases and balance transfers for 15 months, which is a terrific way to refinance debt or fund new items. A 16.49 percent – 26.49 percent variable APR is in effect following the intro period’s conclusion.
- Rewards
With the exception of superstores like Walmart® and Target®, grocery shops offer 3 percent cash back on dining and entertainment, 3 percent on approved streaming services, 3 percent at them, and 1 percent on all other purchases.
- Greeting bonus
After spending $500 on purchases during the first three months after account opening, receive a one-time $200 cash incentive.
- The yearly cost: $0
- Introductory APR of 0% for 15 months on purchases and balance transfers
- Regular APR ranges from 16.49% to 26.49% and is variable.
- Fee for balance transfers
- A fee of 3 percent on transfers made within the first 15 months
- Needs credit: Excellent/Good
Best For Online Shopping
With so many advantages of online shopping, it’s no wonder people are looking for the best credit card issuer for online shopping.
A rewards card with lucrative rewards is something you should think about if you want to use it for online grocery purchases and household goods online to save time. A sizable 5% back at Amazon and Whole Foods Market is offered via the Amazon Prime Rewards Visa Signature Card. Ordering family items from Amazon or Prime Now offers you unrivaled benefits.
Many online store credit cards with guaranteed approval requiring no deposit offer bonus rewards as well in addition to a welcome bonus.
In addition to the substantial 5 percent cash back at those two stores, the card offers users 2 percent and 1 percent cash back, respectively, on purchases made at gas stations, restaurants, and drugstores, as well as all other expenditures.
Upon approval, this card also provides a one-time bonus of a $200 Amazon.com gift card. Rewards can be used to pay your payment, make new Amazon purchases, buy gift cards, and more.
As the name suggests, in order to apply for this card, you must already have an eligible Prime subscription ($139 for an annual membership and $14.99 for a monthly membership).
If you choose not to, the Amazon Rewards Visa Signature Card still provides 3 percent cash back at Amazon and Whole Foods while not requiring a Prime subscription.
- Rewards
6 percent cash back at American supermarkets on up to $6,000 in annual purchases (then 1 percent), 6 percent cash back on a few streaming services, 3 percent cash back for eligible gas purchases at American stations, 3 percent cash back on transit services like taxis/rideshare, parking, trains, tolls, buses, and more, and 1 percent cash back on other purchases. Reward Dollars, which can be redeemed for a statement credit, are received as Cash Back.
- Greeting bonus
After making $3,000 in transactions with your new card during the first six months, you will receive a $350 bill credit.
- The yearly cost is $95
- On purchases made after the account was opened, the introductory APR is 0% for 12 months; for balance transfers, it is N/A.
- Regular APR
Varies between 15.49% and 25.49%
- Fee for balance transfers: N/A
- Foreign exchange commission: 2.7%
Best Credit Cards for Families: How to Apply
If you are searching for credit cars for family members and want to know how to apply, there are many things you should consider.
Applying for a credit card as a family can be a daunting task. How do you know which one is best for your family’s needs? What’s the application process like? And how can you be sure you’ll get approved?
The application process for credit cards for families is different than that of high limit business credit cards or other types of cards.
Fortunately, there are a few things you can do to increase your chances of getting approved for the best credit cards for families.
First, make sure you understand your credit history and score. This will give you an idea of which cards you’re likely to be approved for. Then, compare different cards to find the one that offers the best terms and benefits for your family.
If you don’t have a bank account but need a family credit card, don’t worry. You can get a credit card without a bank account if you follow certain steps.
When you’re ready to apply, be sure to complete the application accurately and truthfully.
By following these steps, you can be confident that you’re doing everything possible to get approved from the credit card issuer for the best credit card for your family.
Best Credit Cards For Families: The Verdict
When it comes to the best credit cards for families, there are a lot of great options out there. The best card for your family will depend on your individual needs and spending habits. However, some cards stand out above the rest.
The Amazon Prime Rewards Visa Signature Card is a great option for families who do a lot of shopping on Amazon. You’ll earn 5% cash back on all of your purchases, plus a $200 welcome bonus after you spend $3,000 in the first 3 months. This card also comes with no annual fee.
If you’re looking for a card that offers more than just cash back, the Chase Sapphire Preferred Card is a great choice. You’ll earn 2x points on all travel and dining purchases, and 1x points on everything else. Plus, you’ll get a 50,000 point sign-up bonus after you spend $4,000 in the first 3 months. There is a $95 annual fee for this card.
Finally, the Citi Double Cash Card is a great option for families who want to earn cash back on all of their purchases. You’ll earn 2% cash back on everything you buy – 1% when you make the purchase and another 1% when you pay it off. There’s no annual fee for this card.
No matter which card you choose, you can be confident that you’re getting a great deal on a credit card for your family. With the right card, you can earn cash back, points, or other rewards on all of your everyday purchases. And, with a little research, you can find the perfect card to fit your family’s needs.
Related Questions
Which Hotel Credit Card Is Ideal For My Family?
We have examined each hotel credit offered on the American market and selected our top picks for you.
Numerous hotel credit cards might work well for you, depending on how frequently you travel. Some premium credit cards have annual fees of approximately $500, but if you make use of all the perks, they can be worthwhile! Check out our review by scrolling up!
Do Credit Card Providers Verify Your Income?
Yes, when you apply for a credit card, your income is verified. Every credit card application must include your annual income since credit card issuers are obligated by law to take your ability to repay debt into account before providing a new line of credit.
Which Credit Card Suits A Housewife The Best?
This question cannot be answered with absolute certainty because it is highly variable.
However, some factors to consider when choosing a credit card for a housewife include the interest rate, annual fee, and rewards program.
Additionally, it is important to choose a card that is compatible with the housewife’s financial situation and spending habits.
With My Income, Can My Wife Receive A Credit Card?
Your household income, including that of your spouse or partner, can be listed on your credit card application if you are 21 years old or older.
Which Airline Credit Card Is Ideal For My Family?
Are you looking for a family-friendly airline credit card? We’ve got you! We’ve outlined all the expenses and advantages so you can easily decide if you want to just increase your mileage balance or gain admission to the upscale airport lounge you frequently pass. Some of the highest paid flight attendants have the best airline credit cards because of the amount of travel they do.
