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I’m Going to Have a Baby — Which Credit Card Should I Get?

Sept. 25, 2015
Credit Cards
Baby on the Way? There's A Credit Card for That
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  • Fidelity American Express

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Aw nerds! Looks like this page may be out of date. You can still check out our article about How to Maximize Credit Card Rewards When Shopping.

Having a baby is a joyous yet expensive occasion. Prepare for your growing family with a credit card that rewards you for purchases you need to make before Baby arrives.

Here are the Nerds’ top three cards for expectant parents.

Citi® Double Cash Card – 18 month BT offer: High rewards on everything from bottles to bassinets

For high cash back on every baby purchase, check out the Citi® Double Cash Card – 18 month BT offer. It offers 1% cash back when you make purchases, and another 1% when you pay them off. The card has an annual fee of $0 and an introductory APR of 0% on Balance Transfers for 18 months, and then the ongoing APR of 15.49% - 25.49% Variable APR — a great perk if you’ve got existing credit card debt you need time to pay down.

Discover it® Cash Back: Diapers and digital thermometers, delivered

Online shopping means prepartum purchases can be delivered directly to your door. And if you make your purchases on a card that offers high online shopping rewards — like the Discover it® Cash Back — you’ll  earn even more by opting out of shopping at brick-and-mortar stores.

The Discover it® Cash Back offers 5% back on rotating bonus categories (up to $1,500 in spending per quarter). Historically, the fourth quarter bonus categories have included online shopping.

The card 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.

Fidelity American Express: Jump-starting the college fund

The Fidelity American Express offers 2% back on every purchase, redeemable into your qualifying Fidelity account of choice. One such account is a Fidelity-managed 529, which is a state-sponsored tax-advantaged tuition investment account. So your rewards on baby-related purchases (and non-baby-related ones, too) could go toward funding Junior’s college career. The card’s $0.

Erin El Issa is a staff writer at NerdWallet, a personal finance website. Email: erin@nerdwallet.com. Twitter: @Erin_Lindsay17.


Image via iStock.