Tips on choosing the best credit card for your family
1. Analyze your spending
Look at where your family spends the most money—groceries, gas, dining, travel, online shopping, etc.—and choose a card with the best rewards in those categories.
▶︎ Best cards for grocery shopping
▶︎ Best credit cards for gas purchases
▶︎ Best cards for dining and restaurants
▶︎ Best credit cards for travel
▶︎ Best cards for online shopping
2. Weigh the annual fee
Some cards with annual fees provide more value in rewards and benefits. If your family spends enough in bonus categories to offset the fee, choosing a card with an annual cost might be worth it. Otherwise, plenty of no-annual-fee rewards cards are available.
3. Consider additional perks
Choose a card with perks that benefit your specific family dynamic. Whether that means airport lounge access, streaming service credits or complimentary DashPass, the right card can help enhance your family’s experiences immensely.
4. Ponder redemption options
Choose cards with redemption options that align with your spending habits and lifestyle, whether a simple cash-back card or one with flexible rewards.
Is a family credit card worth it?
If you can find a credit card with bonus categories and perks that align with your family’s spending and lifestyle, adding a family credit card to your wallet can be tremendously valuable and worthwhile.
• • • • •
For rates and fees of the American Express® Gold Card, please visit this page.
For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this page.
For rates and fees of the Blue Cash Preferred® Card from American Express, please visit this page.
• • • • •
Other articles to check out