Credit card offers for single parents | finder.com
Credit cards for single parents

Credit cards for single parents

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Explore credit cards that work as hard for your money as you do.

If you’re a single parent, a credit card could be a convenient way to free up cash flow between paydays or to help manage financial emergencies. There is a range of cards that offer low annual fees, up to 55 interest-free days and have a lower minimum income requirement. Use this guide to help you compare your options to find the most suitable one for you.

Our pick for everyday spending: Blue Cash Preferred® Card from American Express

  • $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
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Comparing credit cards for single parents

It is always important to consider your financial situation and needs before applying for a credit card. If you’re looking for a card to use in case of emergencies, for example, you might want to consider one with low or no annual fees. If you plan on using your card to make regular repayments while carrying an outstanding balance, one with a low interest rate could be more suitable. If you have debt to pay off, on the other hand, a low or 0% balance transfer offer could be a useful way to pay down your balance without incurring additional interest. Note that most of these cards have a minimum income requirement of at least $15,000 and require applicants to have a good credit history, so you’ll need to make sure you meet the eligibility criteria before you apply.

Compare credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
13.99% variable
0% for the first 12 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$0
11.99% to 21.99% variable
1.99% for the first 6 monthly billing cycles (then 11.99% to 21.99% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of Card Membership. Rates & Fees
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$39
24.99% variable
Designed to help build credit history with no deposit required and access to benefits.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% variable
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$0
20.74% variable
Designed for college students to build credit history and earn rewards.
$35
19.14% variable
A secured Visa® credit card that helps you build your credit quickly.

Compare up to 4 providers

How to increase my chances of credit card approval if I’m a single parent

1. Compare your options

Just as there are many types of credit cards to suit different types of needs, there are many credit cards on the market that could be suitable and useful for a single parent. It’s important to compare the features, costs, terms and conditions in relation to your spending habits and financial situation.

2. Check the eligibility requirements before applying

Make sure that you meet the card’s eligibility requirements, which usually include:

  • Age. You must usually be at least 18 years of age to apply.
  • Residency. You must typically be an U.S. citizen, permanent resident or hold a valid visa.
  • Income. Most cards have a minimum income requirement which usually starts from $15,000. Some cards, if you refer to the previous section’s table, recognize government assistance payments as an acceptable form of income.
  • Credit score. Most cards require that your credit score be very good or excellent.

3. Organise the necessary documents

Apart from the standard documents (e.g. proof of identity and address, etc.), you will need to provide proof of income. You may use payslips, bank statements and documents from Centrelink (refer to table in previous section), but make sure to contact your card provider directly to discuss your specific circumstances and confirm the exact documents you need.

4. Understand common reasons for rejection

  • Bad credit history. It’s good practice to request a copy of your free credit score to ensure it looks good and there are no mistakes on it, or so you can find ways to improve it if it’s not ideal. Bad credit history is one of the major reasons why applications are rejected.
  • Too many applications. Making too many credit card applications can backfire on you, because each application leaves a black mark on your credit report that future credit providers often frown upon.
  • Insufficient income. Credit providers will consider your personal situation in its entirety, i.e. do you have sufficient income to be able to pay these future credit card bills, and do you already have existing debt to service?

Your credit card application will always be assessed as a whole, and lenders will take all pertinent factors into consideration when deciding if you are a low-risk borrower. Having a good credit score and proven history of paying your bills on time will help greatly, along with proof of consistent income, whether it be from employment or government assistance.

Don’t want a credit card? Consider a loan for single parents

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Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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