Last updated on August 4th, 2022
Family life may look different for everyone, from soccer games and ballet recitals to family dinners and other everyday necessities. One thing is for sure: a family should be taken care of, and having the right credit card can help better manage expenses to meet their needs. Here are our picks for the best family credit cards of 2022.
The Best Family Credit Cards of 2022
Here are our top family credit cards for 2022:
You must feed the family! Get dinner started with the Blue Cash Preferred® Card from American Express. With this card, you will earn 6% cash back (on the first $6,000 of eligible purchases) the next time you go grocery shopping. The same goes for streaming services from select providers, like Netflix or HBO Max, so don’t forget to buy some popcorn at the grocery store for your next family movie night.
The Blue Cash Preferred® Card from American Express has other ways to gain rewards, including 3% cash back at U.S gas stations and on transit, plus 1% cash back on other purchases. Your earned cash back is received as Reward Dollars which you can then redeem for statement credits. If you’re looking to apply for this card, you should also know new cardmembers can earn $350 back after spending $3,000 within six months of the account opening.
Furthermore, you can get exclusive access to entertainment tickets through American Express Experiences and enjoy taking your family out for some fun to the next ball game or whatever the next family event is. Another featured benefit is the annual $120 Equinox+ credit, which can help balance the yearly fee if you plan to use the health and fitness app. The also card features a $0 annual fee for the first year. After that you’ll pay $95 each year you remain a cardmember. If you’re not a fan of the annual fee, however, check out the Blue Cash Everyday® Card from American Express.
If your family spending changes from month to month, consider the Citi Custom Cash℠ Card. With this card you can earn 5% cash back on your top eligible spend category (up to $500 spent each billing cycle). There are 10 different eligible categories, ranging from grocery stores and restaurants to home improvement stores, live entertainment, and more.
In other words, you do not have to worry about keeping up with rotating categories or enrolling in them to earn rewards. Additionally, you can earn 1% unlimited cash back on all other purchases. Then, redeem your ThankYou® points with flexibility – as a statement credit, direct deposit, or check.
And if you are thinking of applying for the Citi Custom Cash℠ Card because it’s the right fit for your family’s needs, you will be happy to know there is a bonus offer. With the Citi Custom Cash℠ Card, you can earn $200 cash back after spending $750 in the first three months. To break it down into smaller numbers, making $250 worth in purchases each month (in the first three months) will earn you the $200 cash back bonus. Not too bad if you already spend that amount on something like groceries – or any of the eligible spend categories.
The Amazon Prime Rewards Visa Signature Card is for the family that takes online shopping to the next level. When Amazon.com is your go-to online shop, the Amazon Prime Rewards Visa Signature Card can go a long way. The credit card allows cardholders to earn 5% back when shopping on Amazon.com and at Whole Foods Market.
The best part is your rewards are not limited to online shopping. You can earn 2% back at restaurants, gas stations, and drugstores. This is a nice benefit to have when you want to treat the family out for dinner or need to take care of a handy drugstore purchase. In addition, you earn 1% back on all other purchases, wherever your shopping takes you.
A surprising feature of the Amazon Prime Rewards Visa Signature Card is it has no foreign transaction fees. This perk makes it an excellent credit card option to take on your next family vacation – especially if it’s abroad. And upon approval, you will instantly receive a $100 Amazon Gift Card Bonus.
A Prime membership is required for this credit card. However, if you don’t have a Prime membership, you could qualify for the Amazon Rewards Visa Card.
If you would rather keep it simple, instead of keeping track of reward categories and such, the Citi® Double Cash Card – 18 month BT offer is another option to consider for the family. With this card, you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Essentially, you will earn double the rewards on all your family purchases in the form of ThankYou® Points, which you can then redeem in many convenient ways, such as statement credits, gift cards, and more – all for no annual fee. Furthermore, chip away at some family credit card debt with the card’s balance transfer offer: 0% intro APR for 18 months after opening an account.
The lengthy introductory BT offer is a juicy find. Other credit cards to consider with even longer balance transfer offers – in case you have plenty of outstanding debt you’d rather pay off over an extended time – include the Citi Simplicity® Card and the Citi® Diamond Preferred® Card.