Finding the right rewards credit card can make a significant difference for families, helping to maximize everyday spending and earn valuable rewards. Whether it’s for groceries, travel, or everyday expenses, these cards are tailored to meet the diverse needs of families. Here’s a list of the 10 best rewards credit cards for families in 2024.
1. Chase Sapphire Preferred® Card
– Welcome Offer: Earn 60,000 points after spending $4,000 in the first 3 months.
– Rewards: 2x points on travel and dining, 1x point on all other purchases.
– Annual Fee: $95
– Why It’s Great for Families: Ideal for family vacations, this card offers flexible points that can be transferred to various airline and hotel partners, maximizing travel rewards.
2. American Express® Gold Card
– Welcome Offer: Earn 60,000 points after spending $4,000 in the first 6 months.
– Rewards: 4x points at restaurants, 4x points at U.S. supermarkets (up to $25,000 per year), 3x points on flights, 1x point on other purchases.
– Annual Fee: $250
– Why It’s Great for Families: Excellent for families who spend heavily on groceries and dining, offering substantial rewards for these essential expenses.
3. Citi® Double Cash Card
– Welcome Offer: None
– Rewards: 2% cashback on all purchases (1% when you buy, 1% when you pay).
– Annual Fee: $0
– Why It’s Great for Families: Simple and straightforward, this card offers consistent cashback on all purchases, making it easy to manage and rewarding for all types of family spending.
4. Capital One Venture Rewards Credit Card
– Welcome Offer: Earn 75,000 miles after spending $4,000 in the first 3 months.
– Rewards: 2x miles on every purchase.
– Annual Fee: $95
– Why It’s Great for Families: Great for families who travel frequently, offering a straightforward earning structure and flexible redemption options for travel expenses.
5. Discover it® Cash Back
– Welcome Offer: Discover will match all the cashback you’ve earned at the end of your first year.
– Rewards: 5% cashback on rotating categories each quarter (up to $1,500 in purchases), 1% cashback on all other purchases.
– Annual Fee: $0
– Why It’s Great for Families: The rotating categories often include family-friendly spending areas like groceries and gas, plus the first-year cashback match can result in significant rewards.
6. Bank of America® Customized Cash Rewards Credit Card
– Welcome Offer: $200 online cash rewards bonus after spending $1,000 in the first 90 days.
– Rewards: 3% cashback in a category of your choice, 2% at grocery stores and wholesale clubs, 1% on all other purchases.
– Annual Fee: $0
– Why It’s Great for Families: Flexibility in choosing your highest-earning category each month can significantly boost your rewards based on your family’s changing needs.
7. Blue Cash Preferred® Card from American Express
– Welcome Offer: Earn $300 statement credit after spending $3,000 in the first 6 months.
– Rewards: 6% cashback at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming services, 3% on transit, 1% on other purchases.
– Annual Fee: $95 (waived first year)
– Why It’s Great for Families: High cashback rates on groceries and streaming services make this card a favorite for families, reducing costs on essential household expenses.
8. Wells Fargo Active Cash℠ Card
– Welcome Offer: $200 cash rewards bonus after spending $1,000 in the first 3 months.
– Rewards: Unlimited 2% cashback on all purchases.
– Annual Fee: $0
– Why It’s Great for Families: Straightforward 2% cashback with no annual fee, making it an excellent everyday card for all types of family expenses.
9. The Platinum Card® from American Express
– Welcome Offer: Earn 100,000 points after spending $6,000 in the first 6 months.
– Rewards: 5x points on flights booked directly with airlines or through Amex Travel, 5x points on prepaid hotels booked through Amex Travel, 1x point on other purchases.
– Annual Fee: $695
– Why It’s Great for Families: Packed with travel perks, lounge access, and elite status benefits, this card is for families who love to travel in style and comfort.
10. Chase Freedom Flex℠
– Welcome Offer: Earn $200 bonus after spending $500 in the first 3 months.
– Rewards: 5% cashback on rotating categories (up to $1,500 per quarter), 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstores, 1% on all other purchases.
– Annual Fee: $0
– Why It’s Great for Families: A versatile card with a mix of rotating and fixed categories, making it a strong contender for maximizing cashback on family-friendly expenses like groceries, gas, and travel.
These rewards credit cards offer a variety of benefits tailored to the unique spending habits of families. Whether it’s for groceries, travel, dining, or everyday expenses, there’s a card here that can help your family earn valuable rewards and make the most of your spending. Always remember to read the terms and conditions and ensure the card you choose aligns with your family’s financial goals and spending patterns.
