Best credit cards for families 2020

Best credit cards for families

Best credit card for family travel

Chase Sapphire Reserve®

Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850) Apply now on Chase's secure site Rates & fees

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740
Min. credit score

$550
Annual fee

Up to 10x
Points

50,000
Points welcome offer

• Info
• Pros & cons
• Details

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.

• Rewards points. Earn 3x points on travel and dining at restaurants worldwide and 1x points on all other purchases. Until March 2022, earn 10x points on Lyft rides.
• Points worth more on travel. Redeem your points for travel purchases via the Chase Ultimate Rewards program and get 50% more value for your points. This makes the 3x points on travel and dining worth 4.5x and the 10x points on Lyft rides worth 15x.
• Travel credit. Get $300 in statement credit as reimbursement for your travel purchases every year on your credit card anniversary.

Annual Fee	$550
Purchase APR	16.99% to 23.99% variable
Balance transfer APR	16.99% to 23.99% variable
Welcome offer	50,000 points after spending $4,000 in the first 3 months
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

Best credit card for families for grocery shopping

Blue Cash Preferred® Card from American Express

Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$95
Annual fee

Up to 6%
Cash back

$250
Welcome offer

• Info
• Pros & cons
• Details

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.

• Cash back. Earn 6% cash back at US supermarkets on up to 6,000 each year, reverting to 1% after reaching the cap. Also, earn 6% cash back on US streaming services, 3% cash back at US gas stations and transit purchases and 1% on all other purchases.
• Intro APR period. Get 12 months of 0% intro APR period on purchases made in the first 12 months of card membership. Once the intro period expires, your rate reverts to 13.99% to 23.99% variable.
• Welcome offer. Earn $250 in statement credit once you spend $1,000 in your first 3 months when you open your account.

Annual Fee	$95
Purchase APR	0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR	N/A
Welcome offer	$250 after spending $1,000 in the first 3 months
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

Best credit card for families for reward flexibility

U.S. Bank Cash+™ Visa Signature® Card

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$0
Annual fee

Up to 5%
Cash back

$150
Welcome offer

• Info
• Pros & cons
• Details

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.

• Cash back. Earn 5% cash back on two categories you choose on up to $2,000 each quarter, after reaching the cap you earn 1% cash back. Earn 2% cash back either on gas or groceries, and 1% cash back on all other purchases.
• Intro APR period on balance transfers. Use 12 billing cycles to pay for balance transfers with an intro APR. But you have to make the transfers within the first 60 days when you open your account. After that, your rate reverts to 13.99% to 23.99% variable.
• Signup bonus. Earn $150 cash bonus after you spend $500 in your first 90 days of card membership.

Annual Fee	$0
Purchase APR	13.99% to 23.99% variable
Balance transfer APR	0% intro for the first 12 billing cycles (then 13.99% to 23.99% variable)
Welcome offer	$150 after spending $500 in the first 90 days
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

Best credit card for families who dine out

Capital One® Savor® Cash Rewards Credit Card

Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850) Read review Rates & fees

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670
Min. credit score

$95 ongoing
Annual fee

Up to 8%
Cash back

$300
Welcome offer

• Info
• Pros & cons
• Details

The Capital One® Savor® Cash Rewards Credit Card a great cash back rate on dining without paying an annual fee - in fact, with the change to the Uber Visa Card, the Capital One® Savor® Cash Rewards Credit Card 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.

• Cash back. Earn an unlimited 4 cash back on dining and entertainment purchases, 2% cash back at grocery stores and 1% cash back on everything else.
• Signup bonus. Earn $300 cash back after you spend $3,000 within the first 3 months of account opening.
• Annual fee. You won't pay an annual fee to use this card.

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
Rewards	8% cash back with Vivid Seats, 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Compare credit cards for families

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Chase Freedom Unlimited®		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	5% cash back at grocery stores on up to $12,000 in the first year, 5% on Lyft and 1.5% on all other purchases	$0		Earn a $200 signup bonus after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card		60,000 points after spending $4,000 in the first 3 months	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95		This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.	Apply now View details	Compare	loading Fetching your data...
Citi® Double Cash Card		N/A	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	$0		This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®		50,000 points after spending $4,000 in the first 3 months	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	$550		Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months	Apply now View details	Compare	loading Fetching your data...
Costco Anywhere Visa® Card by Citi		N/A	4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases	$0		Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.	Apply now View details	Compare	loading Fetching your data...
Amalgamated Bank of Chicago Platinum Rewards Mastercard®		$150 after spending $1,200 in the first 90 days	1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points	$0		Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days	Apply now View details	Compare	loading Fetching your data...
TD Cash Credit Card		$150 after spending $500 in the first 90 days	3% on dining, 2% at grocery stores and 1% on all other eligible purchases	$0		3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT	Apply now View details	Compare	loading Fetching your data...
Credit One Bank® Unsecured Visa® with Cash Back Rewards		N/A	1% cash back on all purchases or in categories based on Credit One Bank’s discretion	$0 to $99		Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
Credit One Bank® Unsecured Visa® for Rebuilding Credit		N/A	1% cash back on all purchases on eligible purchases	$0 to $99		Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
Credit One Bank® Visa® with Free Credit Score Access		N/A	1% cash back on all purchases or in categories based on Credit One Bank’s discretion	$0 to $99		Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com		See terms	See terms	See terms		Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...

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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.

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 supermarket and streaming services purchases
  • Uber Visa Card when you dine out
  • 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.