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Finder rating 4 / 5 ★★★★★
| Welcome Offer | $30 |
|---|---|
| Rewards | 5% cash back |
| Annual Fee | $0 |
| Minimum Credit Score | 670 |
Finder rating 4.6 / 5 ★★★★★
| Welcome Offer | 50,000 points |
|---|---|
| Rewards | 10x points |
| Annual Fee | $550 |
| Minimum Credit Score | 740 |
Finder rating 4.3 / 5 ★★★★★
| Welcome Offer | $300 |
|---|---|
| Rewards | 6% cash back |
| Annual Fee | $95 ongoing |
| Minimum Credit Score | 670 |
Finder rating 4.4 / 5 ★★★★★
| Welcome Offer | $150 |
|---|---|
| Rewards | 5% cash back |
| Annual Fee | $0 |
| Minimum Credit Score | 670 |
Finder rating 4.4 / 5 ★★★★★
| Welcome Offer | $300 |
|---|---|
| Rewards | 8% cash back |
| Annual Fee | $95 ongoing |
| Minimum Credit Score | 670 |
We compared all credit cards with perks and benefits for the family budget, and we weighed in features such as rewards categories, annual fee, intro APR period and additional features. And then we chose the cards that were best suited for certain types of family spending.
When looking for the best family card, these are the three main points to consider:
How much cash back or rewards you can earn depends on your spending habits and card.
We ran the math using average spending on categories that reward you the most using the Sam’s Club Mastercard as an example.
| Categories | Annual spending | Cash back earned with the Sam's Club® Mastercard® |
|---|---|---|
| Groceries | $3,250 | $162.50 |
| Gas and transfer | $3,000 | $150 |
| Dining and takeout | $2,600 | $78 |
| Travel | $3,250 | $32.50 |
| Other purchases | $3,000 + $2,000 at Sam’s Club | $130 |
| Total spent | $17,100 | |
| Total cash back earned | $553 |
With the exact same spending, you would earn $298 back as a statement credit with the Blue Cash Preferred after you pay the $95 annual fee (Terms apply, see rates & fees) from the second year. This doesn’t necessarily mean that the latter is a bad card, it just means that the Sam's Club® Mastercard® would earn more cash back on in the categories in our example. If the categories were different, the Blue Cash Preferred would likely come out on top.
Because of that, consider combining more than one card — and use each card where it earns the most rewards — to maximize your earnings.
Families may not always need a rewards card for a select category of purchases. Other types of cards may work just as well, such as:
Families get to enjoy some of the best rewards credit cards. Based on your family spending, you can earn accelerated rewards on groceries, streaming services, gas, travel or even online shopping.
But if none of our picks appeal to your financial situation, compare other credit cards until you find the right card for your wallet.
How can I maximize rewards with family cards?
You need several credit cards and to use each card where you get the highest value. For example, use the:
Can I add family members as authorized users?
Yes, and in most cases, you’ll pay no annual fee for additional cards. What’s more, using your card responsibly can help authorized users build credit.
A simple student card with modest benefits.
Qualify with bad credit and earn 1.5% on all purchases.
Earn rewards with this telematics program even if you aren’t an Allstate customer, though you can only receive a discount if you’re a policyholder.
A flexible Hyatt business card with a huge 75,000 point bonus.
The Figure Pay card is free and earns rewards, but it lacks several standard features.
Compare expansion loans for startups and established businesses.
A simple, zero-frills student card for Teachers Federal members.
A student card without enough to offer to make it worth it.
A student 0% intro APR card that earns light rewards on purchases.
A student 0% intro APR card with a low variable APR.
