Best Family-Friendly Credit Cards [2019 Edition]

Discover the best family-friendly credit cards for entertainment including travel credit cards, gas and grocery cards, and more. Compare some of the biggest names, like Chase, Citi, Discover and more and determine which card is best for you.

You spend a lot on family entertainment and travel, but with your current card, it's possible you're not getting all the rewards and benefits you could get from all that spending. Banks and credit card companies have numerous reasons to make sure customers are happy with their rewards. For one thing, people who like their credit cards' rewards program tend to spend more on them. In this guide, we’ll show you the best family-friendly credit cards for your specific needs so that you can spend more time and get greater rewards for the things you love to do when you spend quality time with your loved ones.

The Process

Here’s how we selected the best credit cards for family activities:

  • Flexible rewards program: We specifically looked at cards with popular rewards programs that made sense for this group.
  • Easy to redeem: For parents on the go, ease of use is important.
  • Excellent customer service: Because no one has time for bad customer care.
  • Designed for busy families: These cards are made for family fun on the go.

Best Travel Card: Chase Sapphire Preferred

With its highly rewarding signup bonus and the most points on travel and dining, a whole new world of experiences is right at your fingertips when you use this card. Get 2X points per $1 on dining at restaurants and 2X points per $1 on travel. Get 1X point spent on all other purchases. The spending threshold you have to meet upon opening the card in order to qualify for sign up bonus is a little high, but if you spend enough it will pay off! Rack up 50,000 bonus points after spending $4,000 on purchases in your first 3 months - that's $625 toward travel when redeemed through Chase Ultimate Rewards®.

Chase Sapphire Preferred
Our Take:

For travel purchases, this is your best bet. There are lots of cards that offer shiny sign-up bonuses, but the Chase Sapphire Preferred takes the cake. Double points on travel.

  • Highlights:
    • 2X points for travel purchases and 1 point for every dollar spent on dining.
    • 1X point spent on all other purchases.
    • 25% more value when redeeming car rentals, hotels, cruises and airfare through Chase Ultimate Rewards®.
    • No travel restrictions or blackout dates.
  • Travel Rewards
    2X points per $1 on travel.
  • Dining Rewards
    2X points per $1 on dining at restaurants
  • Introductory Annual Fee
    $0 for the first year
    • 690
    • 850
    Excellent and Good Credit
  • Annual Fee
    $95
    Intro: $0 for the first year
  • Foreign Transaction Fee
    None
Show additional fees

Best Cashback Card: Citi Double Cash

The Citi Double Cash Card basically pays you back twice. You get points for every dollar spent, and then when you pay it back on your balance, making it a solid contender among cashback credit cards. For those seeking balance transfers, you'll also enjoy a cushion to pay them off thanks to the intro APR offer of 0% for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening. on balance transfers.

Citi Double Cash Card
Our Take:

It's called "Double Cash" because you get 1% cash back at time of purchase and another 1% cash back when you pay it off. That's best-in-class for cash back. 

  • Highlights:
    • If you love tons of cashback and like to keep it simple, this card is for you!
    • One of the most popular cash back cards, 2% cash back.
    • 1% cash back on all purchases .
    • 1% cash back as you pay for those purchases, as long as you pay the minimum due.
    • Without any caps or category restrictions.
  • Annual Fee
    No Annual Fee
    • 690
    • 850
    Excellent and Good Credit
  • Annual Fee
    No Annual Fee
  • Balance Transfer Fee
    Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance Fee
    Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee
    3% of each purchase transaction in U.S. dollars
Show additional fees

Best for Every Day: Discover it

With cash back on categories like gas and groceries, as well as points for every dollar spent anywhere and other rotating categories the Discover it Cash Back card is superior for everyday spending. Discover also makes it easy to do things like redeem your rewards, monitor your FICO credit score and get support. Also, Discover will match ALL the cash back you've earned at the end of your first year, automatically. That’s what we love about this card.

Discover it Cash Back
Our Take:

If you're willing to follow the rotating quarterly offers, you can earn 5% cash back on a variety of categories, such as gas stations, grocery stores and restaurants. 

  • Highlights:
    • 5% cash back at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations or wholesale clubs up to the quarterly maximum each time that you activate. 
    • Unlimited 1% cash back on every other purchase.
  • Everyday Cash Back
    Earn unlimited 1% cash back on all other purchases — automatically
  • Annual Fee
    None
    • 690
    • 850
    Excellent and Good Credit
  • Annual Fee
    None
  • Balance Transfer Fee
    3% of the amount of each transfer
  • Cash Advance Fee
    Either $10 or 5% of the amount of each cash advance, whichever is greater.
Show additional fees

Best for Squashing Debt: Chase Slate

Let's face it, raising a family isn't cheap, but the Chase Slate is one of the better credit cards out there that can actually help you pay down debt. Transfer a balance at no cost for 60 days, benefit from an extended intro APR period on purchases and watch your credit score rise! That’s right, in addition to being a great balance transfer card, Chase Slate allows you to monitor your score.

Chase Slate
Our Take:

Make sure you have a good to excellent credit score before applying for this card! If your credit is in line and you're looking for a card to consolidate your credit card debt, this could be the one. 

  • Highlights:
    • $0 in balance transfer fees for your first 60 days
    • Free monthly credit score.
    • Late payment? No penalty APR means your rates won't go up.
  • Introductory Balance Transfer APR
    0% for the first 15 months
  • Introductory Fee
    $0 on transfers made within 60 days of account opening.
    • 690
    • 850
    Excellent and Good Credit
  • Annual Fee
    None
  • Balance Transfer Fee
    Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance Fee
    Either $10 or 5% of the amount of each transaction, whichever is greater
Show additional fees

Best for Dining Out: Savor Rewards

If your family dines out frequently, or especially while traveling, the Capital One Savor Rewards card is one that can make your family bonding times and gastronomic adventures even more rewarding. You’ll get cashback rewards on dining out, groceries and pretty much all things food! Earn unlimited 4% cash back on dining. With this deal, you don’t need to feel bad about taking your large family out to dinner.

Capital One Savor Rewards
Our Take:

"Making memories with food and fun" — that was Capital One's mission when designing the Savor Rewards card and we think they nailed it.  Its 4% cash back on dining and entertainment is perfect for those that like to hit the town. (And 2% back at grocery stores is great when you really just need a night in)  

  • Highlights:
    • Receive an unlimited 4% cash back on entertainment and dining.
    • 2% at grocery stores. 
    • 1% on every other purchase.
    • No rotating categories, and no sign ups necessary to earn cash rewards. 
  • Dining Rewards
    Earn unlimited 4% cash back on dining
  • Introductory Annual Fee
    $0 intro for the first year
    • 720850
    Excellent Credit
  • Annual Fee
    $95
    Intro: $0 intro for the first year
  • Cash Advance Fee
    Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee
    None
Show additional fees

Best All-Around Savings: Blue Cash Preferred

The American Express Blue Cash Preferred not only gives you cash back for buying everyday items with your card, you also get 0% on Purchases for 12 months intro APR period on both purchases and balance transfers. That’s comparable to other cards of this type. Save on supermarket items and gas with well-rounded and easily manageable signup bonuses incentives.

American Express Blue Cash Preferred
Our Take:

This is the perfect card for people that spend more on groceries than on eating out. The cash back rate at the supermarket is unbeatable. And while the annual fee may trigger some minor sticker shock, it easily pays for itself if you spend even a moderate amount at the store each week.

  • Highlights:
    • Receive 6% cash back at US grocery stores (up to 6,000 per year, then 1%).
    • Receive 3% cash back at  US gas stations.
    • Receive 1% cash back on other select purchases.
  • Everyday Cash Back
    1% back on all other purchases
  • Annual Fee
    $95
    • 690
    • 850
    Excellent and Good Credit
  • Annual Fee
    $95
  • Balance Transfer Fee
    Either $5 or 3% of the amount of each transfer, whichever is greater.
Show additional fees

The Best Credit Cards for Families

In the above article, we’ve reviewed the best articles for families based on how much savings they offer, and how easy it is to achieve savings with each card. In order to determine which may be best for your family, however, you need to think about what kinds of things you purchase most and how you’d like to benefit from rewards. You also need to have a “Good” to “Excellent” credit score to qualify for many of these cards. Are you looking for a new credit card to support your family’s activities budget? One of these could easily earn a place in your pocketbook.

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Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.