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Best Credit Cards for Suburbanites

Nov. 30, 2018
Credit Cards, Rewards Credit Cards
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

Friendly neighbors, kiddie soccer games, cozy public libraries. As a proud suburbanite, you know that escaping the hustle and bustle of the city has some serious perks – and a whole different set of expenses. If you’ve recently traded in your bus pass for a minivan, here are some credit cards that can help finance your new suburban lifestyle:

Blue Cash Preferred® Card from American Express: Best for big gas and grocery spenders

If you’re like most suburbanites, having a go-to credit card for gas and groceries is a must. For us, the Blue Cash Preferred® Card from American Express is that card. It offers 6% cash back at U.S. supermarkets up to $6,000 a year in purchases (then 1%), as well as 3% cash back at U.S. gas stations and select U.S. department stores. On top of that, you can get extended warranties and return protection on eligible card purchases, giving you additional safeguards for new appliances or other big-ticket items.

You can also get a bonus with your first few purchases: $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply. The annual fee is $95. Even when the annual fee comes due, the cost could be worth it if you spend a lot at the supermarket and the pump.

» MORE: How to Maximize Credit Card Rewards When Shopping

Chase Freedom®: Best if you’re the new guy on the block

If you’re new to the suburbs and just starting out, you might not have a very extensive credit history, and that’s OK. The Nerds love Chase Freedom® because it offers top-notch perks, has a $0 annual fee and it’s not that difficult for people with shorter credit histories to qualify for. Rewards include 5% cash back on rotating quarterly categories and 1% cash back on everything else. It has an introductory APR offer: 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 16.99% - 25.74% Variable APR. It also comes with a sign-up bonus most suburbanites can easily nab: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. These are the current bonus categories:

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.

Bank of America® Travel Rewards credit card: Best for family travel

Sometimes, you need a break from the burbs, and that’s when having a great travel credit card like the Bank of America® Travel Rewards credit card can really come in handy. If you’re planning an international vacation or a weekend getaway for your kids’ next summer break, you can redeem points on this card for flights, hotels, vacation packages, cruises, rental cars or baggage fees with no restrictions or blackouts. You can also earn 1.5 points on every $1 spent and qualify for a 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

With no foreign transaction fees, you don’t have to worry about extra charges while traveling internationally, making this card a Nerd favorite. Plus, the annual fee is $0.

Image via iStock.