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Best Credit Card Offers for New Parents

March 12, 2015
Credit Cards, Rewards Credit Cards
Best Credit Card Offers for New Parents
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

Along with more sleep and fewer dirty diapers, new parents need a stellar credit card to help them rack up serious rewards on all baby-related purchases. The Nerds can help you find a great credit card that meets your spending and rewards needs as a new parent. Here are our top three picks.

Citi® Double Cash Card – 18 month BT offer: High cash-back rewards on every purchase

For high cash back on every postpartum purchase, check out the Citi® Double Cash Card – 18 month BT offer. It offers 1% cash back when you make purchases and another 1% back when you pay them off. You can redeem rewards starting at $25 for check, statement credit or gift cards.

The Citi® Double Cash Card – 18 month BT offer has an annual fee of $0 and offers an introductory APR of 0% on Balance Transfers for 18 months, and then the ongoing APR of 15.49% - 25.49% Variable APR.

Blue Cash Preferred® Card from American Express: Extra rewards on everyday purchases

Your new bundle of joy means more people to feed, clothe and transport. Earn extra rewards on your little one’s basic expenses with the Blue Cash Preferred® Card from American Express. It offers 6% cash back at U.S. supermarkets (up to $6,000 in spending per year — then 1%), 3% back at U.S. gas stations and select U.S. department stores, and 1% back on everything else. Plus, there’s a good welcome bonus: $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

The Blue Cash Preferred® Card from American Express has an annual fee of $95.

» MORE: How to Maximize Credit Card Rewards When Shopping

Discover it® Cash Back and Chase Freedom®: 5% back on rotating categories

If you spend in line with the bonus categories, a 5% card may be the best option for your growing family. Enter the Discover it® Cash Back and Chase Freedom®.

The Discover it® Cash Back offers 5% cash back on rotating quarterly bonus categories (capped at $1,500 per quarter):

Discover bonus categories 20182019
Q1 (Jan. 1 – March 31)Gas stations and wholesale clubsGrocery stores
Q2 (April 1 – June 30)Grocery storesGas stations, Uber and Lyft
Q3 (July 1 – Sept. 30)Restaurants Resaurants
Q4 (Oct. 1 – Dec. 31)Amazon.com and wholesale clubsAmazon.com

For all bonus category spending above $1,500 per quarter, you’ll receive 1% back. You’ll also get 1% rewards on any other purchases.

The Discover it® Cash Back has an annual fee of $0 and an introductory APR of 0% on Purchases and Balance Transfers for 14 months, and then the ongoing APR of 13.99% - 24.99% Variable APR.

The Chase Freedom® also offers 5% back on rotating quarterly bonus categories (up to $1,500 spent per quarter):

Chase Freedom® bonus rewards categories for 2018
Q1 2018 (Jan. 1 - March 31)• Gas stations.
• Internet, cable and phone service.
• Purchases via Chase Pay, Apple Pay, Android Pay and Samsung Pay.
Q2 2018 (April 1 - June 30)• Grocery stores.
• PayPal, for online, mobile or in-app purchases.
• Chase Pay, for online, mobile or in-app. purchases
Q3 2018 (July 1 – Sept. 30)• Gas stations.
• Lyft.
• Walgreens.
Q4 2018 (Oct. 1 – Dec. 31)• Chase Pay.
• Wholesale clubs.
• Department stores.

You’ll receive 1% rewards on all other spending. There’s also a sweet sign-up bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

The Chase Freedom® has an annual fee of $0 and a 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 16.99% - 25.74% Variable APR.