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Parenting is one of the most rewarding yet interesting journeys you will experience in life. New parents and expecting parents may not know what to expect from their new lifestyle. While life changes when you have a child in tow, you have another person to make memories with.

best credit cards for new parents
With the best credit cards for new parents, it’s easy to earn bonus points on daily purchases from diapers to plane tickets. Photo by Wayne Evans from Pexels

Best Credit Cards for New Parents

These credit cards can help you maximize those purchases you (perhaps) never thought about even a few months ago. You may need to re-think your daily routine and the way you travel. Yet earning cash or travel rewards can be easier than you imagine.

Citi Double Cash Card

The Citi® Double Cash Card earns unlimited 2% back on all purchases. Cardholders earn 1% cash back when they buy plus 1% cash back once they pay for the purchase. To keep the account in good standing, simply pay the minimum balance each month. Plus, there is no annual fee to worry about.

While flat-rate cash rewards are arguably the least exciting credit card type, they can have amazing purchasing power. Plus, receiving cash back as a statement credit or bank deposit is an easy and flexible redemption option.

Your common new parent purchases may not fit nicely in a tiered rewards bonus category like dining or travel. The Citi Double Cash is a flat-rewards credit card that lets you earn bonus points on all local and online purchases.

Blue Cash Everyday Card from American Express

The Blue Cash Everyday® Card from American Express gives you 3% back at U.S. supermarkets (on the first $6,000 per year and then 1% back). You also get 2% back at U.S. gas stations and select U.S. department stores. All remaining purchases earn 1% back. This is one of the best credit cards for groceries and fueling your car.

The Blue Cash Everyday doesn’t have an annual fee but has a foreign transaction fee (See Rates & Fees). The welcome bonus is the ability to earn $150 back after spending $1,000 in the first 3 months.

Learn more: No Annual Fee Credit Cards

Capital One Venture Rewards Credit Card

The information for the Capital One® Venture® Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Capital One® Venture® Rewards Credit Card is one of the best travel credit cards for new parents. You earn 2 Venture miles for every $1 you spend. The signup bonus of 50,000 bonus miles ($500 value) after spending $3,000 in the first 3 months.

You can redeem your Capital One miles for travel statement credits, booking upcoming travel, or to transfer to airline and hotel partners. The travel statement credits let you redeem your miles for most travel purchases. This can include Airbnb stays, rental cars, airline tickets, etc.

One additional benefit is a fee credit of up to $100 for Global Entry or TSA PreCheck for the primary cardmember. The annual fee is $95.

Related: Best Travel Credit Cards

Chase Sapphire Preferred

You might think that award travel is off the table as a new parent. In reality, your travel miles can be worth more now as you have another travel companion. The Chase Sapphire Preferred® Card has some of the most valuable travel rewards points. Its $95 annual fee is also reasonable for families who take several mini-trips or one grand vacation each year.

You earn 2 Ultimate Rewards points per $1 on all travel and dining purchases. Everything else earns 1 point per $1. Your points are worth 1.25 cents each when booking award travel on the Chase travel portal.

You might get more value by transferring your points at a 1:1 ratio to airline and hotel partners including United, Southwest, British Airways, World of Hyatt, and Marriott. Cash rewards and gift cards are other redemption options. The Chase Sapphire Preferred also has an impressive signup bonus worth $750 in award travel. Spending $4,000 in the first 3 months of account opening gives you an extra 50,000 Chase Ultimate Rewards points.

Related: Best Chase Credit Cards

Amazon Prime Rewards Visa Signature Card

The information for the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card
has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Amazon Prime Rewards Visa Signature Card boosts our Prime member benefits. You get 5% back on Amazon and Whole Foods purchases, so long as you have an eligible Prime membership. And there isn’t an annual fee. You can also get 2% back at restaurants, gas stations, and drugstores. All remaining purchases earn 1% back.

If you aren’t an Amazon Prime member but still shop at Amazon, there’s another option. The Amazon Rewards Visa Signature Card earns 3% back on Amazon and Whole Foods purchases. You also earn 2% back on restaurant, gas station, and drugstore purchases. All other purchases earn 1% back.

Delta SkyMiles Gold American Express Card

The Delta SkyMiles® Gold American Express Card, one of the best Delta credit cards, can make it easier to fly with small children for these reasons:

  • Free first checked bag for you and up to 8 companions
  • $100 Delta flight credit after $10,000 in annual card purchases
  • Pay with Miles at Delta.com ($50 off total cost for every 5,000 SkyMiles you redeem)

You earn 2 SkyMiles per $1 on these purchases: Delta, US supermarkets, and US gas stations. All remaining purchases earn 1 SkyMiles per $1.

The annual fee is $0 for the first year and then $99 for each renewal. There isn’t a foreign transaction fee (See Rates & Fees).

Learn more: Airline Credit Cards

IHG Rewards Club Premier Credit Card

The IHG® Rewards Club Premier Credit Card is one of the best hotel credit cards for new parents. These card benefits make hotel travel easier with a small family. You receive an anniversary night good for one reward night at properties costing 40,000 points or less. This reward night is valid for a standard room at many IHG properties including Holiday Inn Express, Holiday Inn, Crowne Plaza, and even extended-stay brands like Staybridge Suites.

Even more enticing, this card has a bonus of earning 125,000 bonus points with a $3,000 minimum spend in the first 3 months. Aside from the huge IHG Rewards Club Premier bonus offer, other IHG benefits include:

  • Platinum Elite loyalty status
  • 4th reward night on 4+ night stays
  • Complimentary room upgrades (when available)
  • Earn up to 25x IHG points per $1 on purchases made at IHG properties

The annual fee is $89. This fee can easily be offset by the reward anniversary night after the first year.

Related: Best Hotel Credit Cards

Capital One Walmart Rewards Card

The information for the Capital One® Walmart Rewards™ Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Many new parents buy their essentials at a store like Walmart so you only need to get baby out of the car seat once. After all, you can buy your groceries, baby items, clothing, and electronics in one place. Most stores also have an on-site gas station with competitive prices. Plus, you can get 2-day shipping on online Walmart purchases. Because there are a variety of options, the Capital One Walmart credit cards might be helpful.

The Capital One® Walmart Rewards™ Card offers these cash rewards:

  • 5% back on Walmart.com purchases
  • 2% back on in-store Walmart and Murphy USA gas purchases
  • 2% back on restaurant and travel purchases
  • 1% back on all remaining purchases

Getting 2% back on restaurant and travel purchases can be more convenient than earning travel rewards on your larger, periodic purchases.

Target RedCard

The information for the Target RedCard has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

If Target is your go-to store, the Target RedCard™ is worth considering.

You can get 5% back on these purchases:

  • In-store Target purchases
  • Target.com purchases
  • In-Target Starbucks locations
  • Specialty gift cards

Your Target.com purchases qualify for free 2-day shipping and you get an extra 30 days for returns and exchanges. This card doesn’t have an annual fee.

Summary of the Best Credit Cards for New Parents

Being a new parent is one of the most exciting times of your life. Though the way you live life changes from when you were only a couple, these credit cards help maximize your wallet. They are also some of the best credit cards for family travel.

FAQs

What is the best everyday credit card?

The best card for your daily spending depends on your purchase habits and whether you want cash or travel rewards.

A flat-rate rewards card is best if you want to earn the same amount of points on each dollar you spend. The best flat-rate cards award 2% (2 points per $1) on each purchase. Two of the best cards are:

If most of monthly budget tilts toward one expense type like groceries or gas stations, you can get a tiered rewards card instead. One example is the Blue Cash Everyday Card from American Express. It earns 3% back on the first $6,000 spent (then 1%) at US supermarkets and 2% back at US gas stations.

Can a stay-at-home mom get a credit card?

It’s possible for stay-at-home parents to qualify for a credit card. The credit card application asks for your anticipated annual income. American Express plainly instructs you to, “Include all income available to you,” for instance.

In addition to your annual household income, the issuing bank will also review your credit report and recent credit card application history. These non-income factors also affect your approval odds.

Can a baby have a credit card?

The minimum application age for a credit card is 18 years old. As a result, your children under the age of 18 cannot apply for their own credit card account. However, they might be able to be an authorized user.

The minimum age for an authorized user varies by bank. Some banks require your child to be at least 13 years old. Other banks don’t have a published minimum age. So, it’s possible for a baby to have a credit card but only as an authorized user.

Related Articles:

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.

Josh Patoka
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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