The 14 Best Credit Cards for Families [2024]

Updated: July 25, 2024, 9:48am CDT

Edited by:

The 14 Best Credit Cards for Families [2024]

The 14 Best Credit Cards for Families
How To Pick The Best Family Credit Card
Best Credit Cards for Families
Methodology
Final Thoughts

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!

The 14 Best Credit Cards for Families

SCROLL FOR MORE

Card1	Best For	Welcome Bonus and Annual Fee	Benefits for Families
Chase Freedom Flex℠	Cash-back	Earn a $200 bonus after you spend $500 on purchases in your first 3 months. Annual fee of $0	5% back on rotating quarterly categories 3% back on dining and drugstore purchases
Citi Double Cash^® Card	Cash-back	Earn $200 cash back after spending $1,500 in the first 6 months. Annual fee of $0	Unlimited 2% cash-back on every purchase
Chase Sapphire Preferred^® Card	Family Travel	Earn 60,000 points after you spend $4,000 on purchases in the first 3 months. Annual fee of $95	3x points on dining, groceries, and select streaming services Access to Chase Travel portal and transfer partners Travel insurance included
Capital One Venture Rewards Credit Card	Family Travel	LIMITED TIME OFFER: Enjoy $250 to use on Capital One Travel in your first year, plus earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months. Annual fee of $95 (rates & fees)	2x miles on every purchase Access to Capital One Travel and transfer partners
The Platinum Card^® from American Express	Family Travel	Earn 80,000 points after spending $8,000 on purchases in the first 6 months. Annual fee of $695 (rates & fees)	5x points on flights Access to a long list of travel benefits Annual and monthly statement credits Airport lounge access
Prime Visa card	Online Shopping	Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members Annual fee of $0	5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership 2% back at gas stations, restaurants and on local transit and commuting (including rideshare)
Blue Cash Everyday^® Card from American Express	Online Shopping	Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months. Annual fee of $0 (rates & fees)	3% back on online purchases, gas stations, and groceries Monthly credit towards The Disney Bundle and Home Chef (enrollment required)
American Express^® Gold Card	Gas and Groceries	LIMITED TIME OFFER: Earn 60,000 points after spending $6,000 in the first 6 months. Plus, receive 20% back in statement credits at restaurants worldwide within the first 6 months, up to $100 back. Offer ends 11/6/24. Annual fee of $325 (rates & fees)	4x points at restaurants on up to $50,000 per year (1x thereafter) 4x points at U.S. supermarkets on up to $25,000 per year (1x thereafter) Up to $120 annual dining credit Up to $120 annual Uber Cash Up to $100 annual Resy credit Up to $84 annual Dunkin’ credit
Blue Cash Preferred^® Card from American Express	Gas and Groceries	Earn a $250 statement credit after you spend $3,000 in eligible purchases within the first 6 months. $0 intro annual fee for the first year, then $95 (rates & fees)	6% back at U.S. supermarkets (up to $6,000 per year) and on select streaming services 3% cash-back at U.S. gas stations and transit
Citi Strata Premier℠ Card	Gas and Groceries	Earn 70,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com Annual fee of $95	3x points at gas stations, EV charging stations, supermarkets, restaurants, airfare, and hotels Access to Citi ThankYou travel portal and transfer partners
Costco Anywhere Visa^® Card by Citi	Gas and Groceries	No welcome offer available. Annual fee of $0	4% cash-back on eligible gas and EV charging purchases 3% cash-back on restaurants and eligible travel purchases
Chase Freedom Unlimited^®	Everyday Spending	Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. Annual fee of $0	3% cash-back on dining and drugstore purchases
Capital One SavorOne Cash Rewards Credit Card	Dining	Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months. Annual fee of $0 (rates & fees)	10% cash-back on Uber and Uber Eats 8% cash-back on Capital One Entertainment purchases 3% cash-back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart^® and Target^®)
Disney^® Premier Visa^® Card	Dining	Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening. Annual fee of $49	2% in Disney Rewards Dollars on purchases at grocery stores, restaurants, gas stations, and most Disney locations 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com, or ESPNPlus.com

How To Pick The Best Family Credit Card

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.

Rewards for Everyday Expenses

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.

Welcome Offer

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.

Perks

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:

Airport lounge access
Automatic loyalty status with major hotel chains
Annual free hotel nights
Trip insurance
Rental car insurance
Travel statement credits

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.

Annual Fee

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.

Ease of Use

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 Travel Portal.

Best Credit Cards for Families

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!

Best Family Credit Cards for Cash-Back

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.

Chase Freedom Flex℠

Chase Freedom Flex^®

U.P. Rating

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.

Learn More(at Chase's secure site)

Chase Freedom Flex^®

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.

Welcome OfferEarn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200

Annual Fee

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.

Credit Recommended

Good to Excellent (670-850)

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.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
No annual fee

Cons

3% foreign transaction fees in U.S. dollars

Read Full Review

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex^® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC

Financial Snapshot

APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

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.

Citi Double Cash^® Card

U.P. Rating

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome OfferEarn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back

Annual Fee

APR

0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable

Credit Recommended

Fair to Excellent (580-850)

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.

Pros

Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Flexible redemption options
No annual fee

Cons

No bonus categories
3% foreign transaction fees

Read Full Review

Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Citi Double Cash^® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel^SM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.

Financial Snapshot

APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

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.

Best Credit Cards for Family Travel

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!

Chase Sapphire Preferred^® Card

GREAT STARTER CARD

Chase Sapphire Preferred^® Card

U.P. Rating

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
60,000 points

UP's Bonus Valuation*:
$1,200

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Recommended

Good to Excellent (670-850)

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.

Pros

5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)

Cons

$95 annual fee
No elite benefits like airport lounge access or hotel elite status

Read Full Review

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
Member FDIC

Financial Snapshot

APR: 21.49%-28.49% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

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 Travel Portal.

Capital One Venture Rewards Credit Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome OfferEnjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
$250 Capital One Travel Credit + 75,000 miles

UP's Bonus Valuation*:
$1,600

Annual Fee

$95

APR

19.99% - 29.99% (Variable)

Credit Recommended

Good to Excellent Credit (670-850)

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.

Pros

5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Global Entry or TSA PreCheck application fee credit

Cons

$95 annual fee (rates & fees)
Limited elite benefits

Read Full Review

Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck^®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

APR: 19.99% - 29.99% (Variable)
Foreign Transaction Fees: None

Rewards Center

Capital One Miles

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!

You will earn 2x miles on every purchase and you can use those miles to redeem for travel through the Capital One Travel Portal or transfer them to one of the many transfer partners.

When you and your family travel, you can enjoy a Global Entry or TSA PreCheck statement credit, travel assistance, and more!

The Platinum Card^® from American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome OfferEarn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points

UP's Bonus Valuation*:
$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent (670-850)

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.

Pros

The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

$695 annual fee (rates and fees)
Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$189 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck^® application fee for a 5-year plan only (through a TSA PreCheck^® official enrollment provider), when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
$695 annual fee.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

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.

Best Family Credit Cards for Online Shopping

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.

Prime Visa Card

U.P. Rating

A strong rewards card if you shop regularly at Amazon.com and Whole Foods.

Learn More(at Amazon.com)

Prime Visa Card

A strong rewards card if you shop regularly at Amazon.com and Whole Foods.

Welcome OfferGet a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
$100 Amazon Gift Card

UP's Bonus Valuation*:
$100

Annual Fee

APR

20.49%–29.24% Variable

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.

Pros

Earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Earn 2% back at gas stations, restaurants and on local transit and commuting (including rideshare)
Earn 1% back on all other purchases

Cons

Amazon Prime membership required

Read Full Review

Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
No annual credit card fee
No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
Member FDIC

Financial Snapshot

APR: 20.49%–29.24% Variable
Foreign Transaction Fees: $0

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.

Blue Cash Everyday^® Card from American Express

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating

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!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

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!

Welcome OfferEarn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200

Annual Fee

APR

19.24%-29.99% Variable,0% on purchases for 15 months

Credit Recommended

Good to Excellent (670-850)

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.

Pros

3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday^® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday^® Card.
Terms Apply.

Financial Snapshot

APR: 19.24%-29.99% Variable,0% on purchases for 15 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

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 (enrollment required). And don’t forget about other benefits of having an American Express card, such as purchase protection and access to Amex Offers.

Best Family Credit Cards for Gas and Groceries

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!

American Express^® Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating

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!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

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!

Welcome OfferEarn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
60,000 points + up to $100 back

UP's Bonus Valuation*:
$1,420

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent (670-850)

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, 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.

Pros

4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

$325 annual fee (rates and fees)
No lounge access

Read Full Review

Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Get the American Express^® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at Dunkin' locations.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

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, up to $120 in annual Uber Cash, up to $100 in annual Resy credits, and up to $84 in annual Dunkin’ credits — not bad! The annual fee may scare some families off, but if you can use the benefits, it can easily pay for itself.

Blue Cash Preferred^® Card from American Express

HIGHEST CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating

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.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Preferred^® Card from American Express

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.

Welcome OfferEarn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

19.24%-29.99% Variable,0% on purchases for 12 months

Credit Recommended

Good to Excellent (670-850)

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 U.S. 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!

Pros

6% cash-back at U.S. supermarkets (up to $6,000 per year)
6% cash-back on select U.S. streaming subscriptions
3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)

Cons

$0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Read Full Review

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It^® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Terms Apply.

Financial Snapshot

APR: 19.24%-29.99% Variable,0% on purchases for 12 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

Redeem cash-back through your American Express account

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.

Citi Strata Premier℠ Card

U.P. Rating

Citi Strata Premier℠ Card

Welcome OfferEarn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000 points

UP's Bonus Valuation*:
$1,120

Annual Fee

$95

APR

21.24%- 29.24% Variable APR

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros

10x points on hotels, car rentals, and attractions booked through CitiTravel.com
3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
$100 annual hotel benefit

Cons

$95 annual fee

Read Full Review

Earn 70,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Financial Snapshot

APR: 21.24%- 29.24% Variable APR
Foreign Transaction Fees: None

The Citi Strata 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, EV charging 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.

Costco Anywhere Visa^® Card by Citi

U.P. Rating

Costco Anywhere Visa^® Card by Citi

Welcome Offer
None

Annual Fee

APR

20.49% Variable

The Costco Anywhere Visa^® Card by Citi is a great Citi’s cash-back rewards card designed specifically for Costco Members.

Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Financial Snapshot

APR: 20.49% Variable
Foreign Transaction Fees: None

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.

Best Family Credit Cards for Everyday Spending

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!

Chase Freedom Unlimited^®

UP TO $300 BACK

Chase Freedom Unlimited^®

U.P. Rating

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome OfferINTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Up to $300 cash back

Annual Fee

APR

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Credit Recommended

Good to Excellent (670-850)

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.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Travel℠
3% back on dining and drugstore purchases

Cons

3% foreign transaction fee

Read Full Review

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Financial Snapshot

APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

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.

Best Family Credit Cards for Dining and Entertainment

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.

Capital One SavorOne Rewards Credit Card

Terms Apply / Rates & Fees

Capital One SavorOne Cash Rewards Credit Card

U.P. Rating

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^®).

Capital One SavorOne Cash Rewards Credit Card

Welcome OfferEarn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
$200

Annual Fee

APR

19.99% - 29.99% (Variable),0% intro on purchases for 15 months

Credit Recommended

Good to Excellent (670-850)

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.

Pros

10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
8% cash back on Capital One Entertainment purchases
5% cash-back on hotels and rental cars booked through Capital One Travel

Cons

Rewards are purely cash-back, so there is no access to outsized travel rewards redemptions

Read Full Review

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart^® and Target^®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee

Financial Snapshot

APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Foreign Transaction Fees: None

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.

Disney^® Premier Visa^® Card

U.P. Rating

2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.

Learn More(at Chase's secure site)

Disney^® Premier Visa^® Card

2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.

Welcome OfferEarn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.
$300

Annual Fee

$49

APR

19.24% - 28.24% Variable

Credit Recommended

Good to Excellent (670-850)

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.

Pros

Save 10% on select purchases at shopDisney.com when you use your card
Earn 5% in Disney Rewards Dollars on purchases at DisneyPlus.com, Hulu.com, or ESPNPlus.com
Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants, and most Disney U.S. locations

Cons

Does not earn transferrable rewards
Has a foreign transaction fee

Read Full Review

Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.
Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney U.S. locations. Earn 1% on all your other card purchases. There are no limits to the number of Rewards Dollars you can earn.
Redeem Rewards Dollars for a statement credit toward airline purchases.
0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%
10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland^® Resort and Walt Disney World^® Resort.
Save 10% on select purchases at DisneyStore.com
Member FDIC

Financial Snapshot

APR: 19.24% - 28.24% Variable
Foreign Transaction Fees: None

Rewards Center

Disney Rewards

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.

Methodology

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.

Final Thoughts

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!

$84 Disney Bundle Credit: With your eligible enrolled American Express card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription to receive a monthly statement credit of $7. Valid only at DisneyPlus.com, Hulu.com or Plus.espn.com in the U.S.

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.
The information regarding the Citi Double Cash^® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Costco Anywhere Visa^® Card by Citi was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Strata Premier℠ Card 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.

Featured Image Credit: Prostock-studio via Adobe Stock

Frequently Asked Questions

What is the best credit card for families?

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!

What is the best everyday credit card for my family?

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!

What is the best cash-back credit card for my family?

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?

About Chris Hassan

Chris holds a B.S. in Hospitality and Tourism Management and managed social media for all Marriott properties in South America, making him a perfect fit for UP and its social media channels. He has a passion for making content catered toward family travelers.

The Ultimate Lounge Playbook!

Discover the exact steps we use to get into 1,400+ airport lounges worldwide, for free (even if you’re flying economy!).