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★★★★★
| Annual Fee | $0 |
|---|---|
| Purchase APR | 14.9% to 22.9% variable |
| Balance transfer APR | 14.9% to 22.9% variable |
| Welcome offer |
Get a $30 statement credit when you open a new account and make $30 in Sam's Club purchases
within 30 days. |
| Estimated welcome offer value | |
| Rewards | Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases |
★★★★★
| Annual Fee | $550 |
|---|---|
| Purchase APR | 16.99% to 23.99% variable |
| Balance transfer APR | 16.99% to 23.99% variable |
| Welcome offer | 60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards. |
| Estimated welcome offer value | $900 based on Finder's valuation |
| Rewards | 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases |
★★★★★
| Annual Fee | $0 intro annual fee for the first year ($95 thereafter) |
|---|---|
| Purchase APR | 0% intro for the first 12 months (then 13.99% to 23.99% variable) |
| Balance transfer APR | N/A |
| Welcome offer |
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
|
| Estimated welcome offer value | |
| Rewards | 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit) |
| Annual Fee | $0 |
|---|---|
| Purchase APR | 13.99% to 23.99% variable |
| Balance transfer APR | 0% intro for the first 12 months (then 13.99% to 23.99% variable) |
| Welcome offer | $150 after spending $500 in the first 90 days |
| Estimated welcome offer value | |
| Rewards | 5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases |
| Annual Fee | $0 intro annual fee for the first year ($95 thereafter) |
|---|---|
| Purchase APR | 15.99% or 24.99% variable |
| Balance transfer APR | 15.99% or 24.99% variable |
| Welcome offer | $300 after spending $3,000 in the first 3 months |
| Estimated welcome offer value | |
| Rewards | 8% cash back on Vivid Seats until 1/31/2023 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases |
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.
Bank of Missouri’s Show Me Savers earns 0.1% APY but can’t be opened online.
It’s easy to qualify for these online store cards.
A checking account that earns up to 1.75% APY and up to $25 in ATM reimbursements.
Navy Federal’s Visa Buxx card has no fees, but you must qualify for membership with the credit union.
Axie Infinity is an RPG game that is currently dominating the NFT sector. Discover what Axies are, what makes them unique and how you can earn money simply by playing.
A good rewards option for those with average credit.
A strong cashback card if you want to build your credit score.
A must-have for parents looking to teach their little ones healthy money habits early on.
Pay for your rent fee-free using this card.
An underwhelming and overshadowed entertainment credit card.
