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Best credit cards for families 2021

Earn rewards on groceries, gas, streaming services, travel and more.

Some of the best rewards credit cards currently on the market are great for families. Some of these cards are straightforward and let you earn rewards on popular categories such as groceries and gas. Others come with a more subtle — yet valuable — rewards structure where you get to choose which category earns the highest rewards during a quarter.

What are the best family credit cards?

Best card for gas and big-box purchases


Sam's Club® Mastercard®

Finder rating 4 / 5 ★★★★★

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on Synchrony Bank's secure website
Terms apply, see rates & fees
The Sam's Club® Mastercard® offers one of the highest cashback rates on gas purchases you can get with a credit card. It also rewards your dining and takeout purchases, as well as your Sam's Club purchases. If you have Sam's Club Plus membership, you can boost your cashback rate at the store by 2% more.

Best credit card for family travel

Chase Sapphire Reserve®

Finder rating 4.6 / 5 ★★★★★

See offer
on's secure website
Terms apply, see rates & fees
The Chase Sapphire Reserve® comes with rewards on travel purchases and dining worldwide, and it gives you peace of mind with one of the most extensive complimentary insurances that cover the primary cardholder and their immediate family. With the recent update, you also enjoy the highest rewards rate on Lyft rides.

Best credit card for families for grocery shopping

Blue Cash Preferred® Card from American Express

Finder rating 4.3 / 5 ★★★★★

Apply now
on American Express's secure website
Terms apply, see rates & fees
This is the only credit card that offers the highest cashback rate on purchases made at US supermarkets. What's more, you get to earn accelerated cash back on streaming services, transit purchases and gas stations. Plus you get to save money on interest with a long intro APR period on purchases.
Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Best credit card for families for reward flexibility

U.S. Bank Cash+™ Visa Signature® Card

Finder rating 4.4 / 5 ★★★★★

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Terms apply, see rates & fees
Similar cards rotate the categories with the highest cashback rate each quarter and you usually don't know what these categories are until you reach the quarter. But this family card lets you choose which categories earn the highest cashback rate each quarter based on your expenses. You can choose select clothing stores, department stores, furniture stores, electronics stores, cell phones and more.

Best credit card for families who dine out

Savor Rewards from Capital One

Finder rating 4.4 / 5 ★★★★★

The Savor Rewards from Capital One a great cash back rate on dining without paying an annual fee - in fact, the Savor Rewards from Capital One credit card is one of the best picks on the market for cash back on dining. Plus, the built in security features and travel insurance makes this a great choice for travelers.

How we picked our best cards

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.

How to choose the best credit cards for families

When looking for the best family card, these are the three main points to consider:

  • Spending habits. Where does your family budget go? There are cards with accelerated rewards on groceries, transit and gas, streaming services and travel. Make sure you pick the card that will get you the highest value.
  • Annual fee. Most family cards have no annual fee. But if you’re looking for the ultimate perks, expect to pay up to $450 for the top-of-the-line cards.
  • The size of your family. Not all families will be able to take advantage of each family card. For example, there are some cards best suited for couples.

How much can I save with a family credit card?

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.

CategoriesAnnual spendingCash back earned with the Sam's Club® Mastercard®
Gas and transfer$3,000$150
Dining and takeout$2,600$78
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.

Alternatives to credit cards for families

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:

  • Flat rewards cards. Some credit cards, like the Citi® Double Cash Card let you earn 2% cash back on every purchase you make — 1% when you make the purchase and 1% back when you pay it off. Other cards, like the Capital One Venture Rewards Credit Card reward you with 2x miles on all of your purchases, which you can redeem for a variety of rewards including travel.
  • Balance transfer cards. Families struggling with credit card debt may want to consider a 0% intro APR balance transfer cards. For a limited time, you get to transfer your debt and pay it off without interest.
  • Intro APR period cards. families looking to renovate at home or make a large purchase and pay it for 12 months or more without interest should consider a 0% intro APR credit card. Some cards also offer rewards, which make them valuable even after the intro APR period ends. But the cards with the longest intro APR period typically don’t have rewards.

Bottom line

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.

Frequently asked questions

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:

  • Blue Cash Preferred® Card from American Express on your US supermarket and US streaming services purchases
  • Chase Sapphire Reserve® for airfare, hotel purchases and Lyft rides.

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.

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