In a Nutshell
As your family grows, so do your expenses. The credit cards you choose should meet your family’s needs and offer substantial rewards. Read on to see our picks for the best credit cards for families, which include cash back, family travel, online shopping, college savings and other parent-friendly perks.When you have kids, you might find yourself spending money in ways you never imagined.
Instead of drinks and at-a-whim getaways, it’s diapers, school supplies and family road trips. If your credit cards are leftovers from your single days, it might be time to look at more family-friendly cards.
Here are our top picks for the best credit cards for families.
- Best for cash back: Blue Cash Preferred® Card from American Express
- Best for family travel: Chase Sapphire Reserve®
- Best for new parents: Citi Double Cash® Card
- Best for online shopping: Amazon Prime Visa
- Best for college savings: Upromise MasterCard
Best for cash back: Blue Cash Preferred® Card from American Express
Here’s why: When it comes to cash back, parents could find it hard to beat the Blue Cash Preferred® Card from American Express’s 6% cash back rate for purchases made at U.S. supermarkets. This card offers that exceptional cash back rate on up to the first $6,000 in purchases each year, and then a 1% cash back rate after that.
The Blue Cash Preferred® Card from American Express delivers other strong cash back options, too, like 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit (including taxis/rideshares, parking, tolls, trains, buses and more), 3% cash back on purchases made at U.S. gas stations, and 1% cash back on all other purchases.
With the Blue Cash Preferred® Card from American Express, you’ll receive a $250 statement credit for spending $3,000 on eligible purchases within 6 months from account opening.
Note that this card does come with a $0 intro annual fee for the first year, then $95 after that, which could offset some of your cash back earnings.
Check out our review of the Blue Cash Preferred® Card from American Express to learn more.
Best for family travel: Chase Sapphire Reserve®
Here’s why: Traveling with kids requires a lot of flexibility. You might be flying to a a theme park one year, taking a road trip around the country the next and sneaking in family visits or parents-only getaways in between.
The Chase Sapphire Reserve® does flexibility really well. First, you get an annual $300 travel statement credit for qualifying travel purchases made with your card. After that, you get three points for every $1 you spend on purchases in the travel and restaurants categories worldwide. You’ll also get bonus points for specific purchases through Chase Travel℠: five points per $1 spent on flights, 10 points per $1 spent on hotels and car rentals, and 10 points per $1 spent on Chase Dining purchases. Then, you’ll earn one point per $1 spent on all other purchases.
Your points are worth 1.5 cents each when you redeem through the Chase Travel℠ portal, too.
And because family travel is rarely predictable, you’ll have some peace of mind with the card’s trip cancellation policy. If you have to call off or cut short your trip because of illness, severe weather and other covered situations, you could be reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
These Chase Sapphire Reserve® perks do come with a $550 annual fee, but the $300 travel statement credit should help you chip away at that cost — as long as you take advantage of that feature.
You can learn more from our review of the Chase Sapphire Reserve®.
If you’re not convinced, it might be worth giving the Chase Sapphire Preferred® Card a look, too. It offers similar rewards to the Chase Sapphire Reserve® (but fewer perks), with a lower annual fee.
Best for new parents: Citi Double Cash® Card
Here’s why: When you’re in the trenches of brand-new parenthood, you might not want to deal with tracking and activating the cash back categories on your credit card. Just getting through the days and catching some sleep might be your only priority, so extensive travel rewards might not fit your lifestyle, either. Enter the Citi Double Cash® Card, a straightforward, flat-rate cash back card.
Many flat-rate cash back credit cards we see offer up to 1.5% cash back on your purchases, but the Citi Double Cash® Card gives you a total of 2% cash back — 1% unlimited cash back for your purchases, plus another 1% cash back on payments made toward purchases, as long as you pay the minimum amount due. Through Dec. 31, 2025, you’ll also earn 5% total cash back on hotels, car rentals and attractions booked on the Citi Travel℠ portal.
The Citi Double Cash® Card also gives you a balance transfer option, if the cost of all that new baby gear was higher than expected. You’ll get an intro 0% APR — for 18 months from account opening — on balance transfers made within four months from account opening. There’s a balance transfer fee: Intro fee 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum). Just be prepared for the balance transfer APR to go up to a variable 18.49% - 28.49% rate once the promotional period ends.
The $0 annual fee is the cherry on top for this all-around strong pick for new parents.
Read our review of the Citi Double Cash® Card to learn more.
Best for online shopping: Amazon Prime Visa
Here’s why: Whether your kids are in diapers or mailing in their college applications, they always seem to need so much stuff. If you rely on Amazon.com for household necessities and child-related needs, the Amazon Prime Visa is worth a look.
Cardholders with an Amazon Prime membership get 5% cash back on purchases made with the Amazon Prime Visa at Amazon.com, Whole Foods and Chase Travel℠, plus 2% cash back on purchases in the following rewards categories: restaurants, gas stations and local transit. Finally, you’ll earn 1% cash back on all other purchases.
If you’re approved for the Amazon Prime Visa after applying, you’ll be rewarded with a $200 Amazon.com gift card. Remember though, you must have an eligible Amazon Prime account to get this card — but you won’t be charged an annual fee to carry it, which some may consider a nice way to balance this requirement.
Read our review of the Amazon Prime Visa to learn more.
Best for college savings: Upromise MasterCard
Here’s why: The Upromise MasterCard provides a simple way to save for college automatically by offering 1.25% cash back for every $1 spent on all purchases, or 1.529% when your Upromise Program account is linked to an eligible 529 college savings plan. The $0 annual fee means you can put more money toward your college savings, too.
The important factor to consider with this card is the cash back rate. If you link to a 529 college savings plan, you’ll earn almost more in cash back on your purchases. It’s still less than you’d get with other cards, like the 2% cash back rate that’s offered by the Citi Double Cash® Card, but the simplicity of linking accounts might make the card worth it for many parents.
If you already have or want to open a 529 college savings plan with Fidelity, the Fidelity® Rewards Visa Signature® Card could be another option worth considering.
How we picked these cards
When picking the best credit cards for families, we focused on what families value most — maximum savings with minimal hassle. Managing a family can be stressful enough, so we considered user-friendly card features to be a big plus.
It was also important to note where and how parents shop, and what they need at each stage of parenting. For example, new and seasoned parents alike might appreciate a one-stop-shop like Amazon, while parents looking toward their children’s future might like the simplicity of a card that allows for straightforward college savings.
How to make the most of credit cards for families
Parenthood can be overwhelming in so many ways, so you may find it helpful to choose a credit card that will do most of the work for you. Before making any choices, you should consider your lifestyle when you’re analyzing the value of a credit card.
For instance, if you were a frequent traveler before kids but are less certain about travel now that you’re a parent, a cash back card might be a better fit. Or, as your kids get older, you might find you can take advantage of more travel rewards features. Continue to think about your family’s growing needs and look for a card that works with those needs.
Once you decide on the kind of card that’s best for you, it might be easier to settle on a specific choice. If you spend a lot at certain places like grocery stores or gas stations, then a cash back or travel card with a high rewards-earning rate in those areas might be your best choice. Similarly, if your priority is simple rewards or a way to save for your kids’ college, then more straightforward cards might be better.
*Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the card shown, or whether you meet certain criteria determined by the lender. Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don’t meet the lender’s “ability to pay standard” after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.