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Best Credit Card Offers for New Parents

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Best Credit Card Offers for New Parents

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 14.49% - 24.49% 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 department stores, and 1% back on everything else. Plus, there’s a killer sign-up bonus: Offer is no longer available through our site. $150 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 a $95 (Offer is no longer available through our site).

>>More: How to Maximize Credit Card Rewards When Shopping

Discover it® - Cashback Match™ 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® - Cashback Match™ and Chase Freedom®.

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

DISCOVER BONUS CATEGORIES FOR 2017
Q1 (Jan. 1 – March 31)Gas stations, ground transportation and wholesale clubs
Q2 (April 1 – June 30)Home improvement stores and wholesale clubs
Q3 (July 1 – Sept. 30)Restaurants
Q4 (Oct. 1 – Dec. 31)Amazon.com and Target

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® - Cashback Match™ 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 11.99% - 23.99% 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 2017
Q1 (Jan. 1 - March 31)Gas stations and local commuter transportation (not including parking, tolls or Amtrak)
Q2 (April 1 - June 30)Grocery stores and drugstores
Q3 (July 1 – Sept. 30)Restaurants and movie theaters
Q4 (Oct. 1 – Dec. 31)Walmart and 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 15.99% - 24.74% Variable APR.

Erin El Issa is a staff writer covering personal finance for NerdWallet. Follow her on Twitter @Erin_Lindsay17 and on Google+.


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