This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

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

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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.

The 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, then 1% back). You also get unlimited 2% back at U.S. gas stations and select U.S. department stores. All remaining purchases earn 1% back.

Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

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).

Cardholders can also enjoy $0 plan fees when using Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

The welcome bonus is the ability to earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Learn more: Cash Back Credit Cards

Capital One Venture Rewards Credit Card

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. 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.

However, if you are wanting to earn a few more miles on travel, good news—earn 5x miles on hotels and rental cars booked through Capital One Travel. Plus, Venture cardholders will earn 5x miles when booking through the Turo app or on Turo.com (through May 16, 2023). 

New Capital One Venture Rewards Credit Card cardholders can earn 75,000 miles after spending $4,000 on purchases in the first 3 months. This is equal to $750 in travel. 

Learn more: Travel Rewards Credit Cards

Chase Sapphire Preferred Card

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.

Also, enjoy Chase Sapphire benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, plus more.

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.

New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®.

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.

You get priority boarding on Delta flights plus Main Cabin 1 Priority Boarding.

The Delta SkyMiles Gold Credit Card earns 2x Miles on Delta purchases at restaurants worldwide (including takeout and delivery in the U.S.), and at U.S. supermarkets (1x Mile for everything else that is eligible). It also has 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

Additionally, you can Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.

For a limited time, new Delta SkyMiles® Gold American Express Card cardholders can earn 70,000 bonus miles after you spend $2,000 in purchases on their new Card in their first 3 months. The offer ends 8/3/2022.

Plus, Gold card members will receive a $100 Delta Flight Credit after spending $10,000 in purchases on their card in a calendar year. Cardholders can use the Credit for future travel.

The introductory annual fee of $0 for the first year, then $99 (See Rates & Fees).

Learn more: Airline Credit Cards

IHG Rewards Premier Credit Card

The IHG® Rewards 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. 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.

For frequent IHG travelers, the IHG® Rewards Premier Credit Card is a nice option. Cardholders can earn up to 26 points total per $1 spent when you stay at an IHG hotel. Also, earn 5x points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3x points per $1 spent on all other purchases. 

As an IHG Rewards Premier Credit Card cardholder, you’ll also get to enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Additionally, you can enjoy a reward night when you redeem points for any stay of 3 or more nights. 

As long as you remain a Premier cardmember, you can enjoy Platinum Elite status. Platinum Elite Status allows for room upgrades (when available), late check-out, welcome amenity at check-in, and more. Additionally, enjoy a Global Entry, TSA PreCheck, or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card. 

New IHG® Rewards Premier Credit Card cardholders can earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. 

The annual fee is $99. 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 the 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 U.S. supermarkets and 2% back at U.S. 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.

Advertisement

Chase Sapphire Preferred® Card

recommended-cart-post-image
APPLY NOW
  • 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 Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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, 2024.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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.

Leave a Reply

Required fields are marked *