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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 14.24% - 24.24% 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 11.74% - 23.74% 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 annual fee is $0.
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