Edited by: Juan Ruiz
& Keri Stooksbury
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
It’s no secret that raising kids can be very expensive. With a constant list of expenses and responsibilities, managing the monthly bills can get overwhelming. But with the right credit card, you can save money on your family’s expenses and get rewarded with perks.
Whether you and your family prefer cash-back or want to earn some points and miles, we’ve found the best credit cards for families.
Gas and groceries can not only help fast-track your next family vacation, but they can also offer valuable benefits such as travel insurance and purchase protection. You might want some extra coverage on that new tablet — and the right family credit card can offer it!
For family travelers, having the right credit cards in your wallet can help reduce your costs and give you peace of mind if something goes wrong. That can offer value whether you’re just going on a quick road trip for the weekend or planning a big European summer vacation.
From bonus points to unlimited cash-back, we’ve got you covered. Don’t worry if this all sounds overwhelming — we will break it all down for you!
|Card||Best For||Welcome Bonus and Annual Fee||Benefits for Families|
|Chase Freedom Flex℠||Cash-back||
|Citi Double Cash® Card||Cash-back||
|Chase Sapphire Preferred® Card||Family Travel||
|Capital One Venture Rewards Credit Card||Family Travel||
|The Platinum Card® from American Express||Family Travel||
|Prime Visa card||Online Shopping||
|Blue Cash Everyday® Card from American Express||Online Shopping||
|American Express® Gold Card||Gas and Groceries||
|Blue Cash Preferred® Card from American Express||Gas and Groceries||
|Citi Premier® Card||Gas and Groceries||
|Costco Anywhere Visa® Card by Citi||Gas and Groceries||
|Chase Freedom Unlimited®||Everyday Spending||
|Capital One SavorOne Cash Rewards Credit Card||Dining||
|Disney® Premier Visa® Card||Dining||
As with any credit card, you should choose a family credit card that works for you. Your family’s needs may be very different from the next when it comes to everyday expenses and reward preferences.
Some families may prefer to receive cash-back, while others like to redeem points for a family vacation.
To each their own! We don’t judge, we just want to educate you on your options.
Parents constantly juggle an ever-increasing amount of responsibilities and expenses. Doctor appointments, school supplies, homework, after-school sports, grocery shopping, clothes shopping, family dinners, filling up the car with gas — the list goes on and on.
If you have to make all of these everyday purchases, you should at least be rewarded for it. By using the right card for your family’s everyday expenses, you could be padding your bank account with some cash-back or building up points and miles for a family vacation.
For example, some cards offer increased earnings in categories like gas and groceries. So if your family spends a lot on those categories each month, you could earn extra rewards.
When applying for a credit card, one of the most important factors you should consider is the current sign-up bonus.
A sign-up bonus is usually a fixed amount of points that you will receive after spending a predetermined amount on your new credit card within a certain amount of time, usually the first 3 months.
For example, you could earn a 50,000-point bonus if you spend $3,000 within the first 3 months of approval for a new credit card. Those 50,000 points are in addition to the points earned from spending $3,000.
Hot Tip: Sign-up bonuses change all the time, so watch for the best credit card bonuses to get for a new card when the bonus is high.
When it comes to credit cards, and especially travel credit cards for families, there are often competitive perks.
Depending on how much your annual fee is — which could be $0 — your perks can vary greatly from one card to another.
Common perks on family travel credit cards often include:
These perks may be considered more valuable to some than others, so it’s always a good idea to compare cards to see what’s included and consider what you will really take advantage of.
Many credit cards come with an annual fee. You may balk at the idea of paying to have a credit card. But depending on the perks and sign-up bonuses, more often than not, you can get value out of paying an annual fee.
While there are certainly some travel credit cards with no annual fee, some of our favorite cards for families come with annual fees. In fact, it can be easy to justify paying hundreds of dollars per year in annual fees by the amount of value you receive from them.
That said, if you look at the benefits and don’t think you’ll be able to take advantage of them, a no-annual-fee card may be a better fit.
An often-overlooked obstacle when gathering points for a big trip is how complicated it can be when it comes time to redeem said points.
Parents have enough on their plates without needing to add hours of research just to learn how to redeem their points and miles.
For example, it doesn’t make sense for you to sign up for a Delta credit card if Delta doesn’t serve your local airport, right?
It may make more sense to sign up for a Chase card where you can book whatever you want directly through the Chase Ultimate Rewards Travel Portal.
Alright, let’s jump into the fun part and start looking at some credit card options for you and your family!
Below, we’ll dig into credit cards that are a good fit for families looking for cash-back or points and miles. We’ll break them down into categories that are best for earning and redeeming based on family spending habits and redemption goals.
Want cash-back for your family to use immediately? We’ve got you covered. Prefer to save up some points so you can plan a family vacation for cheap? We’ve got that too!
Families looking for immediate rewards in the form of cash-back have some great credit card options.
Swiping the right card could mean extra discounts on all of your family’s purchases.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
The Freedom Flex card has no annual fee and earns a lot of cash-back for your family.
With 5% back on rotating quarterly categories and 3% back on dining and drugstore purchases, the card makes a lot of sense for a lot of families.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
The Double Cash card has been a popular credit card for families for a long time, and for good reason.
This card earns unlimited 2% cash-back on every purchase: 1% when you buy, and another 1% when you pay your bill. That means no chasing after bonus categories, just spending and earning. This makes it an easy choice for rewards and ease of use for families.
There is nothing like taking a special family vacation that will create memories for a lifetime…but sometimes the costs be prohibitive.
Fortunately, some of our favorite cards earn points that can help you greatly reduce or even eliminate some of those expensive travel costs — and even make travel a little bit more comfortable!
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
The Chase Sapphire Preferred card is a great card for families who want to focus on their next family vacation.
This card earns 3x points on dining purchases, online grocery purchases, and select streaming services, so regular monthly expenses can quickly boost your balance. And when you’re ready to hit the road with the kids, just transfer those points over to one of the many Chase transfer partners or book via the Chase Ultimate Rewards Travel Portal.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
The CapitalOne Venture card is one of the most straightforward, easy-to-use rewards credit cards available. That means less time doing math and more time enjoying vacations with your family!
When you and your family travel, you can enjoy 2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year, a Global Entry or TSA PreCheck statement credit, travel assistance, and more!
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
The Amex Platinum card is a premium card from Amex, which means it carries a hefty annual fee, but also has a long list of benefits that many families should be able to take advantage of.
From bonus points to statement credits and lounge access, this card has a lot to offer families.
Although the annual fee is staggering, new card members may be targeted for welcome bonus offers as high as 100k to 150k Amex points!
If you’re looking to take some luxurious family vacations, the Amex Platinum card would fit nicely in your wallet.
If you’re like many families in the U.S., online shopping is a big part of your expenses.
The convenience of being able to order almost anything online and have it delivered to your door means you can spend less time shopping and more time with your family.
If you want to maximize your rewards when you click “add to cart,”, check out these cards.
We all do our fair share of shopping on Amazon, some of us more than others, and when we shop with Amazon, we obviously want to get the best deal possible. Now, with the Prime Visa Card, you can add a credit card to your wallet that will help you do just that.
You’ll not only earn rewards on all of your Amazon and Whole Foods purchases, but on 4 other bonus categories as well, along with flexible redemption options, all for no annual fee!
When you consider everything that the Prime Visa card offers, it is basically a no-brainer for those who frequently shop with Amazon. Let’s dig a little deeper to see just how much the card can save you.
The Prime Visa card is a no-brainer for families who shop on Amazon.
The card offers a whopping 5% cash-back at Amazon, Whole Foods Market, and Chase Travel (with a Prime membership), plus 2% cash-back at restaurants, gas stations, and on local transit and commuting purchases.
For no annual fee, this credit card is a family favorite.
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
The Amex Blue Cash Everyday card is a great everyday cash-back card for families.
This no-annual-fee Amex offers 3% back on online purchases, as well as gas stations and groceries! Those are popular categories for many families.
Plus, the card comes with monthly credits toward the Disney Bundle and Home Chef. And don’t forget about other benefits of having an American Express card, such as purchase protection and access to Amex Offers.
Gas and groceries are easily the biggest spending categories for many families. If you’re spending that money anyway, why not get rewarded for it?
Some of our favorite credit cards for families earn big bonuses on these categories, which means more money and more points in your pocket!
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
The Amex Gold card is a go-to card for food lovers. This iconic card earns 4x Membership Rewards points at restaurants and U.S. supermarkets — that can add up to big rewards!
With this card, you’ll get up to $120 in annual dining credits and up to $120 in annual Uber Cash — not bad! The annual fee may scare some families off, but if you can use the benefits, it can easily pay for itself.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.
With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!
If you’re looking to earn some cash-back on your grocery purchases, the Amex Blue Cash Preferred card is one of the best options.
This card earns 6% cash-back at U.S. supermarkets (on up to $6,000 per year) and on select streaming services, plus 3% cash-back at U.S. gas stations and on transit.
With a nice little welcome bonus and no annual fee for the first year, this credit card is a great option for many families.
Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!
The Citi Premier card is an excellent option for families looking for a card with good earning rates that they can redeem for family travel.
Earning is simple and uncapped, with great 3x bonus categories at gas stations, supermarkets, and restaurants, and on airfare and hotels.
The big welcome bonus and small annual fee make this a go-to for many families.
The Costco Anywhere Visa® Card by Citi is a great Citi’s cash-back rewards card designed specifically for Costco Members.
Costco fans, rejoice! There is a card here for you and it has no annual fee with your paid Costco membership.
The Costco Anywhere card earns 4% cash-back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. Plus, get 3% cash-back on restaurants and eligible travel purchases. Those are some great rates for a card that has no annual fee beyond your Costco membership.
And let’s not forget that it earns a solid 2% cash-back on all other purchases from Costco and Costco.com.
As a parent, it’s easy to see how almost any of the cards listed above could be ideal for everyday spending.
But if you need another option to earn great rewards on anything that doesn’t fit into major rewards categories, here you go!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
The Freedom Unlimited card is easily one of the best cash-back credit cards available for families.
This card will earn 3% cash-back on dining and drugstore purchases, and then 1.5% back on everything else — for no annual fee! You can even score 5% back on travel purchased through Chase Ultimate Rewards!
And if you already have a Chase Ultimate Rewards-earning credit card, you can receive that cash-back as UR points instead. So you can earn 3x to 5x points on your purchases, which is really good.
We get it, it’s not all diapers and gas station trips for your family. Sometimes you need to go out and have some fun.
If you want to maximize your rewards, take a look at these dining and entertainment cards for families.
The Capital One SavorOne card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
The Capital One SavorOne card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart® and Target®), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.
The card also offers the ability to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.
We’ve got your budget in mind with the Capital One SavorOne card because this card packs in big rewards with no annual fee (rates & fees).
Not only does the Capital One SavorOne card earn a very respectable 3% cash-back at grocery stores (excluding superstores like Walmart® and Target®), restaurants, entertainment, and even popular streaming services, but it also earns 10% cash-back on Uber and Uber Eats purchases and 8% cash-back on Capital One Entertainment purchases!
Plus get 5% cash-back on hotels and rental cars booked through Capital One Travel on your family vacations.
2% cash-back at Disney, supermarkets, restaurants, and gas stations means more rewards dollars for Disney fans.
The information for the Chase Disney Premier Visa® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Mickey and his friends are like part of the family. Your kids can recite the words to everything from Aladdin to Toy Story. And there’s no question where you’re going on Spring Break (Space Mountain, anyone?).
As a premier Disney fan, you always have the Disney® Premier Visa® Card on hand. It earns you cash back and discounts at Walt Disney World, Disneyland, and more.
Disney fans, this one is for you.
If you want to earn Disney Dollars, the Disney Premier card is the fastest way to do it.
This card earns 2% in Disney Rewards Dollars on purchases at grocery stores, restaurants, gas stations, and most Disney locations. For families, that can add up quickly and be a great way to visit Walt Disney World for cheap or even free.
Plus you can earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com, or ESPNPlus.com.
The Upgraded Points team constantly analyzes and performs real-world testing of the most popular cards on the market. We do this to help our millions of readers make important decisions about which cards they put in their wallets, and we use our “U.P. Rating” to make that process easier for them.
We analyze many factors including benefits, earning structure, welcome bonuses, fees, redemption value, APR, and credit-building features.
For our best cards for families’ choices, we take all of those insights and then filter them even further so we are left with only cards that provide maximum returns on common family expenses, with justifiable annual fees (if necessary), and high ease of use when it comes to redeeming rewards.
Families looking to get cash-back, free flights, hotel nights, or travel perks from their everyday spending have no shortage of options when considering credit cards in the United States.
Finding the balance between annual fees and benefits is something that each family will need to look at and evaluate individually. Hopefully, we have laid out your best options clearly.
If you’re looking for even more information on making the most of family travel, explore our Family Travel section to make all your vacations stress-free and point-earning!
The information regarding the Capital One SavorOne Card Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
Depending on your individual goals, there could be multiple cards that work for you and your family. Whether you like cash-back, travel domestically or internationally, want to stay at luxury hotels, or stretch your points at budget hotels, we have all of your options laid out clearly with all of the important information you need to make your decision!
We’ve reviewed every credit available in the U.S. market and picked out our favorites for you. Depending on how much you spend, there may be multiple options that could be a good fit. Some premium credit cards come with an annual fee of over $500, but they could be worth it if you use all of the benefits! Scroll up and read our review!
Getting cash-back on your purchases is like stacking coupons and getting an instant discount on every purchase. Depending on where you shop the most, the right credit card for your family may vary. Take a look at our list here.
Was this page helpful?