Best Credit Cards for Families in 2024: Detailed Comparison

For parents, there’s no shortage of bills and various monthly expenses to pay. It is not easy to manage your budget, but the best credit cards for families can help you to save on these expenses with extra benefits. For everyday expenses, a rewards or cash back credit card can be a essential tool for your budget.

Some credit card offers extra benefits like management tools, travel insurance & purchase protection that make your life easier.

Keeping, all these factors in mind, we have picked the best credit cards for families, based on spending categories like grocery stores, everyday expenses, travel, and shopping.

Best Credit Cards for Families in 2024

  • Blue Cash Preferred® Card from American Express
  • Citi Double Cash® Card
  • Chase Sapphire Preferred® Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Amazon Prime Visa
  • Wells Fargo Active Cash Credit Card
  • Capital One® Walmart Rewards™ Mastercard®

Explore the Best Credit Cards for Parents

We’ve done the hard work for you to find the best credit card for parents that offers the most family-centric perks. You’ll find cash back, reward, and travel credit cards on this list with its fees, benefits, and pros & cons.

Keep reading until the end to find the most suitable card for you.

1. Blue Cash Preferred® Card from American Express

Our pick for: Best for groceries, gas, transit, and streaming services

Blue Cash Preferred® Card from American Express

Card Details:

Annual Fee: $0.

Introductory APR: Enjoy 0% intro APR on purchases and balance transfers for 12 moths from account opening date. After that, a variable APR of 19.24% to 29.99% will apply.

Welcome Bonus: Earn $250 back after you spend $3,000 on purchases within the first 6 months of card membership. You will receive this bonus as a statement credit.

Credit Needed: (Good/Excellent).

Reward Details:

  • You earn 6% cash back on groceries at U.S. supermarkets (up to $6,000 per year).
  • Earn 6% cash back on select streaming services in U.S.
  • Earn 3% cash back on Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
  • Earn 3% cash back at U.S. gas stations.

Why we like this card:

The Blue Cash Preferred® Card from American Express earns you a masive 6% cash back on groceries at U.S. supermarkets up to $6,000 per year and 3% cash back at U.S. gas stations. The card also offers 6% cash back select U.S. streaming, 3% cash back on transit, and 1% cash back on all other purchases. That’s a lot of cash back.

The card has $0 annual fee for the first year and then $95. The card offers $250 back as a welcome bonus. The card’s cash back category will cover most of your daily expenses. However, if you spend more than $30 each week at grocery stores, the rewards you eharn cover the annual fee.

This is mainly a cash back credit card with high credit limit that offers 0% introductory offer for 12 months on purchases and balance transfers, after that a variable APR of 19.24% to 29.99% variable APR will apply.

  • The card has no annual for the first year.
  • 0% intro APR for 12 months on purchases and balance transfers.
  • 6% cash-back on groceries at U.S. supermarkets.
  • 6% cash-back on select U.S. streaming subscriptions.
  • You earn 3% cash-back on U.S. gas stations and Transit services.
  • You earn 1% cash back on all other purchases.
  • $95 annual fee after first year.
  • Slightly high annual APR.

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2. Citi Double Cash® Card

Our pick for: Best for cash back

Citi Double Cash® Card

Card Details:

Annuak Fee: $0.

Introductory APR: Enjoy 0% intro APR for 18 months on balance transfer after that a variable APR of 19.24% – 29.24% will apply, which is based on your creditworthiness.

Welcome Bonus: Cardholders earn a $200 cash back after they spend $1,500 on purchases within the first 6 months of account opening.

Credit Needed: Good/Excellent.

Reward Details:

  • Cardholders get 2% cash back (unlimited 1% cash back when you buy, plus additional 1% cash back when you pay) on every purchase.
  • Earn 5% cash back on hotels and card rentals.
  • There is no category restrictions and no limit on the amount of cash back you earn.

Why we like this card:

The Citi Double Cash® Card is a straight forward cashback credit card that offers 2% cashback on all purchases (1% cashback when you make a purchase and additional one person cash back when you pay your credit card bill).

Also, the amount of cash back you earn has no limits. The cash back you earn can be redeemed for a statement credit and other redemption options.

The card offers 0% intro APR for 18 months on balance transfers and then a variable APR of 19.24% – 29.24% will apply. However, a balance transfer of 3% will be charged.

The Citi Double Cash® Credit Card provide you a solid return on large purchases. For eg. if you spend $10,000 on large purchases, then you’ll earn $200 cash back. You earn cash back in the form of Citi ThankYou points which can be redeemed for statement credits and other redemption options.

  • The card has no annual fee.
  • Unlimited 2% cash back on every purchase.
  • 0% intro APR for 18 months on balance transfer.
  • Decent welcome bonus of $200 as cash back.
  • No intro APR for puchases.
  • Foreign transaction fee.

3. Chase Sapphire Preferred® Card

Our pick for: Best for Travel and everyday expenses

Chase Sapphire Preferred® Card

Card Details:

Annual Fee: $95.

Introductory/Annual APR: 21.49%–28.49% variable.

Welcome Bonus: You earn 60,000 bonus points after you spend $4,000 on purchases within the first 3 months of card activation or account opening.

Credit Needed: Good/Excellent.

Reward Details:

  • You earn 5X points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that earn $50 Annual Ultimate Rewards Hotel Credit.
  • Earn 2X points on travel purchases.
  • Earn 3X points on dining that includes eligible delivery services along with takeout and dining out.
  • Earn 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs).
  • Earn 3X points on select streaming services.
  • Earn 1 point per dollar spent on all other purchases.

Why we like this card:

The Chase Sapphire Preferred® Card is a must have credit card for travelers and everyday expenses. The card has an annual fee of $95 and stands out as the most valuable travel reward credit card. This is one of the best credit card for family travel.

You earn a total 5X points on travel purchases through Chase Ultimate Rewards®. You also earn 3X points on dining and 2X on all other travel purchases.

The card welcomes you with 60,000 points. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®. You can transfer your points to a frequent traveler program at a 1:1 ratio.

If you have bigger expenses for your family travel budget, then you can consider the hase Sapphire Reserve® Credit Card.

  • Generous welcome bonus.
  • You earn 5X points travel purchases through Chase Ultimate Rewards®.
  • High rewards on various categories.
  • You can transfer points to travel partners at 1:1 ratio.
  • Bonus categories.
  • Slightly higher annual fee.
  • No intro APR.

4. Capital One SavorOne Cash Rewards Credit Card

Our pick for: Best for dining, entertainment, grocery stores, and streaming services

Capital One SavorOne Cash Rewards Credit Card

Card Details:

Annual Fee: $0.

Introductory APR: The card offers 0% intro APR on purchases and balance transfer for 15 months, after that a variable APR of 19.99% – 29.99% will apply.

Welcome Bonus: You earn a $200 cash bonus after you spend $500 on purchases in the first 3 months of account opening.

Credit Needed: Good/Excellent.

Reward Details:

  • You earn unlimited 3% cash back on dining, entertainment, popular streaming services & at grocery stores.
  • Earn 5% cash back on hotels and rental cars booked through Capital One Travel.
  • Earn 10% cashback on purchases on Uber and Uber Eats.
  • Earn 1% cash back on all other purchases.

Why we like this card:

If your family enjoys restaurant meals, dining along with night out, then you should consider the Capital One SavorOne Cash Rewards Credit Card. You earn unlimited 3% cash back on dining, entertainment, popular streaming services & at grocery stores, and 1% cash back on all other purchases.

The card offers an impressive rewards points on various categories for an annual fee of $0. This card will cover costs of your major family spending categories.

Other than this, the card earn you a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

  • The card has no annual fee.
  • You will get unlimited 3% cash back on everyday expenses.
  • Decent sign-up bonus.
  • Easy to redeem cash rewards back.
  • Higher annual APR.
  • Require Good/Excellent credit.

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5. Amazon Prime Visa Credit Card

Our pick for: Best for shopping on Amazon

Prime Visa

Card Details:

Annual Fee: $0.

Introductory APR: None.

Welcome Bonus: Cardholders get a $100 Amazon Gift Card instantly upon credit card approval with an eligible Prime membership.

Credit Needed: Fair – Good.

Reward Details:

  • Earn 5% cash back with an Amazon Prime Membership on amazon purchases and 3% cash back on Amazon.com purchases.
  • Earn 5% cash back at Amazon, Amazon Fresh, Whole Foods, and on travel purchased through Chase Ultimate Rewards®.
  • Earn unlimited 3% back on Chase Travel purchases or 5% back with an eligible Prime membership.
  • Earn unlimited 2% cash back at gas stations.
  • Earn unlimited 2% back at restaurants whether you dine in or take out.
  • Earn unlimited 1% cash back on Local transit and commuting.
  • Earn 1% cash back on all other purchases where Visa card is accepted.

Why we like this card:

If you’re an Amazon Prime loyalist, then the Amazon Prime Visa is the best credit card for you. The card offers excellent cash back on Amazon.com for prime members. If you prefer Amazon for everyday shopping, this card is for you.

Cardholders earn 5% with eligible prime membership and 3% cash back on Amazon purchases. Plus, you earn unlimited 2% cash back at gas stations, restaurants, and on local transit and commuting.

The Amazon Visa Prime card is issued by Chase, offers a welocme bonus of $100 Amazon Gift Card which is instantly transfered into your Amazon account Gift card. The rewards can be redeemed at Amazon.com.

However, the card doesn’t offer 0% intro APR, which can be dealbreaker for some people. But, the cashback on Amazon.com purchases helps you to save on big purchases. That’s why, this card is on our list.

  • The card has no annual fee.
  • 5% cash back on Amazon and Whole Foods purchases.
  • Flexible rewards redemption options.
  • The card has no foreign transaction fee.
  • Decent welcome bonus offer.
  • Travel & purchase protection.
  • No 0% intro APR.
  • Only useful at Amazon.
  • The card requires Amazon Prime membership.

6. Wells Fargo Active Cash Credit Card

Our pick for: Best for overall cash back

Wells Fargo Active Cash® Card

Card Details:

Annual Fee: $0.

Annual/Introductory APR: Enjoy 0% intro APR for 15 months on purchases and qualifying balance transfers. After that, a variable APR of 20.24%, 25.24% or 29.99% will apply.

Welcome Bonus: You earn a $200 cash rewards bonus after you spend $500 on purchases within the first 3 months of account opening.

Credit Needed: Excellent/Good.

Reward Details:

  • You earn 2% unlimited cash back on purchases.
  • There is no categories to track or quarterly activations.

Why we like this card:

The Wells Fargo Active Cash Credit Card is one of the best cash back credit card on the market. This can be one of the best cash back credit cards for families as it offers 2% cash back on all purchases.

Plus, cardholder will get an initial welcome bonus of $200 cash after you spend $500 on purchases within the first 3 months of card activation.

The card is worthwhile for those people who want a simple and straightforward rewards structure. The card offers decent welcome bonus with itroductory APR on purchases and balance transfer. Also, the card is a low-maintenance card with convenient redemption options for the rewards you earn.

  • The card has no annual fee.
  • Unlimited 2% cash back on all purchases.
  • Intro APR for purchases and balance transfers.
  • Cellular Telephone Protection and Zero liabilit benefits.
  • High annual APR.
  • The card has foreign transaction fee.

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7. Capital One® Walmart Rewards™ Mastercard®

Our pick for: Best for Walmart Loyalist

Capital One® Walmart Rewards™ Mastercard®

Card Details:

Annual Fee: $0.

Annual/Introductory APR: The card does not offer 0% introductory APR, but the card’s regular purchase APR is 18.99% or 29.99% (variable).

Welcome Bonus: You earn 5% cash back in Walmart stores for the first 12 months after you get your Capital One Walmart Rewards® Card with Walmart Pay.

Credit Needed: Fair – Excellent.

Reward Details:

  • You earn 5% cash back on Walmart.com including pickup and delivery.
  • Earn 2% cash back on Walmart stores, restaurants and on travel.
  • Earn1% cash back everwhere else Mastercard is accepted.
  • As an introductory offer, you earn 5% cash back in Walmart stores for the first 12 months after you get your Capital One Walmart Rewards® Card with Walmart Pay.

Why we like this card:

If Walmart is your preferred shopping destination for everyday expenses, the Capital One® Walmart Rewards™ Mastercard® will help you to save you a lot.

The card earns you 5% cash back on Walmart.com and Walmart app including grocery pickup and delivery. You also earn 5% cash back for 12 months as a welcome bonus. Plus, you earn 2% cash back In Walmart stores, at restaurants and on travel, and 1% cash back on other purchases where Mastercard is accepted.

The reward points can be redeemed for statement credits which can be used for gift cards, or for travel. All these perks helps you to save on everyday expenses.

  • The card has no annual fee.
  • No foreign transaction fee.
  • 5% cash back as introductory offer.
  • Decent rewards at Walmart stores.
  • Various redemption options.
  • No intro APR.
  • Limited reward at in-store purchases.

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How to Pick the Best Credit Card for Your Family?

Choosing the Best Credit Cards for Families requires time and careful onsideration of your financial needs, spending goals, and habits. Here are some steps that helps you to choose the most suitable credit card for your family:

  • Analyze your spending Habits: Check that where your family spends the most like – groceries, gas, dining, travel, entertainment, etc. Look for a card that offers best cash back or rewards on these categories. Also, estimate your monthly or annual spending for each category.
  • Check Rewards & Cashback: Check the reward structure and cashback offered by these cards on different purchases. Some card offers a flat rate cash back on all purchases, while others cards have tiered rewards or bonus categories.
  • Compare features: It is very important to compare all the features of different credit cards. Check their annual fee, interest rates, welcome bonus, and additional benefits to choose the best credit card for you.
  • Credit Score Requirements: Check to know if you meet the credit score requirements for the card you’re applying for. You easily get approval if your cerdit score lies within the range.
  • Read Customer Reviews: Always read customer reviews of credit cards to know how users exeperienced tha card. This will help you to make best decision about the credit card. Visit trusted sources like Wallethub.com to read genuine customer reviews.

Bottom Line

In general, the overall best credit card can also be considered as the best credit cards for families because they cover almost all the major spending categories of a family. Therefore, we have selected the best family credit cards keeping in mind, the rewards, cash back, easy redemption along with major spending categories.

To choose the best credit card for your family, analyze your family spending habits, rewards, features, and no dout your credit score.

Best Credit Cards for Families Related FAQs

Which credit card are best for families?

These are the best credit cards for families:
1. Blue Cash Preferred® Card from American Express
2. Citi Double Cash® Card
3. Chase Sapphire Preferred® Card
4. Capital One SavorOne Cash Rewards Credit Card
5. Amazon Prime Visa
6. Wells Fargo Active Cash Credit Card
7. Capital One® Walmart Rewards™ Mastercard®

Which is the best credit card for Amazon purchases?

If you’re an Amazon Prime loyalist, then the Amazon Prime Visa is the best credit card for you. The card offers excellent cash back on Amazon.com for prime members. If you prefer Amazon for everyday shopping, then this card is for you.

Which travel credit card is best for familes?

The Chase Sapphire Preferred® Card is a must have credit card for travelers and everyday expenses. The card has an annual fee of $95 and stands out as the most valuable travel reward credit card.

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