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

Credit Cards
With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.
Baby on the Way? There's A Credit Card for That

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 Looks like this page may be out of date.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 14.49% - 24.49% Variable APR — a great perk if you’ve got existing credit card debt you need time to pay down.

Discover it® - Cashback Match™: 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® - Cashback Match™ — you’ll  earn even more by opting out of shopping at brick-and-mortar stores.

The Discover it® - Cashback Match™ 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. Plus, you’ll earn more by shopping through the Discover Deals bonus mall, which offers 5% to 20% discounts at many popular e-tailers.

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 11.99% - 23.99% 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.


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