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Best Credit Cards for Expecting Mothers & New Moms

By , Editor-in-chief

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Congratulations on your pregnancy!

The last thing you want to worry about now is money, but that's as inevitable as the confusion you will face trying to decipher the difference between an UPPABaby Vista stroller and a Peg Perego.

All new parents want to give their new baby everything he or she needs to thrive and of course, to create a safe and comfortable family home. This often means re-evaluating your financial tools, including the credit cards that pulled you through your freewheeling 20s, and seeking out better options. To help, we've pulled six of our very best credit card options to fit any growing family.  

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express About Our Ratings
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Our editor's take:
As a credit card writer and a mother, I recommend this card as the one whose bonus categories are most likely to overlap the spending habits of new mothers: 6% cash back on groceries, 3% cash back on groceries, and 3% cash back at select US department stores….that's where I spend all my money!

Card Details
Credit required  Excellent, Good
APR   13.49%-23.49% Variable
Intro offer   0% on Purchases
Annual fee   $95

Baby-Friendly Bonus Categories. The Blue Cash Preferred® Card from American Express offers a whopping 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%). With all that spending on baby formula, baby food, etc. who wouldn't like 6% cash back at grocery stores?

There's also 3% cash back at select U.S. department stores, so you can maximize your baby spending as you prepare the home for baby, and 3% cash back at gas stations.No rotating bonus categories: perhaps best of all, these generous bonus percentages are consistent throughout the year – a great benefit since you'll be so busy, you won't have the time to think about activating bonus categories. This card won our CardRatings Editor's Choice Award for Best Cash Back Credit Card for 2016

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BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card About Our Ratings
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Our editor's take:
Ease the sting of travel costs by earning travel rewards so those costly holiday flights are free. No annual fee and no blackout dates, and the little tyke actually gets to go meet her far-flung relatives.

Card Details
Credit required Excellent/Good
APR 15.49% - 23.49% Variable
Intro offer 0% Introductory APR on purchases
Annual fee $0.00

Travel, Baby. A travel rewards credit card may not seem like the obvious choice since it's never easy to travel with an infant, but seasoned travelers will tell you the best time to get kids used to trips is by starting out young. And getting to Granny's for the holidays can sometimes be an unexpected significant cost, so rewards points earned throughout the year turn into flights for the entire family to see the folks for the holidays. The right travel rewards card can help you with your goals of showing your little one the world - or just showing her off to close relatives.

The BankAmericard Travel Rewards® Credit Card, is a great one to consider in this situation because its rewards don't expire, meaning you can start earning now but travel only when you feel most comfortable. The miles are easy to redeem with no restrictions or blackout dates. For a limited time they have increased their signup bonus so you will receive 20,000 bonus points after spending $1,000 in the first 90 days. 100 points equals $1 in travel credit - that equates to a bonus of $200 in travel - a great start!

In addition to the bonus, you'll earn an unlimited 1.5 points for every $1 spent, which equals 1.5% cash back to spend on travel. Qualifying Bank of America checking or savings account holders also get an additional 10% bonus on every single purchase, upping the cash back to 1.65% - high for a no-fee card.

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Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever About Our Ratings
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Our editor's take:
Preparing for baby takes a lot of up-front spending. Avoid high interest with 0% APR on purchases and balance transfers for 21 months.

Card Details
Credit required  Excellent/Good
APR   13.49% - 23.49% (Variable)
Intro offer   0%*
Annual fee   $0*

Breathing Room. Planning on making a lot of expenses and don’t want to worry about paying high interest on your debt? Citi Simplicity® Card - No Late Fees Ever (which won our CardRatings Editor Choice Award for Longest 0% Intro APR for 2016), gives you 21 months of 0% APR - some serious breathing room for paying back your expenses without having to worry about high interests (perhaps after you’ve started working again)? You’ll likely be making some big purchases, and this can help give you a little bit of peace of mind; just make sure you have a plan to pay that debt down. No late fees, no penalty rate, and no annual fee.

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Chase Slate®

Chase Slate® About Our Ratings
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Our editor's take:
This card features an attractive 0% intro APR on balance transfers and purchases for 15 months. As an introductory offer, balances transferred within the first 60 days of account open will have no balance transfer fees.

Card Details
Credit required Excellent/Good
APR 15.49% - 24.24% Variable
Intro offer 0% Intro APR on Purchases
Annual fee $0

Delivery... Debt?. Just like you scrimped and saved and paid down your debts prior to getting a mortgage, it's a great idea to do the same before the baby arrives. If you are carrying credit card debt, a great balance transfer card can help. We've long been fans of Chase Slate® for this and weren't surprised when it won our 2016 Editors' Choice award for best balance transfer card. It's a low-fee, long-range 0 interest card – 0% introductory APR for 15 months on purchases and balance transfer – that is made for this situation. And even if you pay off your cards each month, balance transfer cards are a great tool for purchasing bigger-ticket items such as a crib or a stroller. You can give yourself a few months of financial breathing room without paying a cent in interest.

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Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer About Our Ratings
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Our editor's take:
Citi® Double Cash Card is the only card that earns you cash back twice on every purchase – 1 percent cash back when you buy and 1 percent cash back as you pay for those purchases, whether in full or over time.

Card Details
Credit required Excellent/Good
APR 13.49% - 23.49%* (Variable)
Intro offer N/A
Annual fee $0*

Time for Yourself. You may be more financially secure now than your post-college days, but there is nothing like having a baby to make you nostalgic for the days when you always had at least a little cash on hand (and time) for impulse buys, from lattes to lipsticks. That will be harder to justify now, but not impossible. Put your credit cards to work for you. Citi® Double Cash Card - 18 month BT offer, another winner of our 2016 best picks for cash back card, is perfect for new moms – simply buy what your baby needs and keep the cash for yourself. Win-Win.

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Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card About Our Ratings
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Our editor's take:
Cardholders are eligible for 2 ThankYou Points per dollar spent on dining at restaurants and entertainment and 1 ThankYou point on other purchases. 

Card Details
Credit required Excellent
APR 13.49% - 23.49%* (Variable)
Intro offer 0%*
Annual fee $0*

Keeping it Simple. One common criticism of rewards credit cards is that they all look great on paper but the fine print is so difficult to follow that it feels like more work and less “reward.”One popular exception is the Citi ThankYou® Preferred Card, known for its ease of redemption. You can link your Citi ThankYou Member account with your Amazon.com account in a few clicks and use ThankYou Points toward any eligible purchase. It's also solid on airline tickets, hotels and more. Now when you sign up for automatic Amazon delivery of all those diapers – definitely the way to go to avoid midnight runs to the grocery store – you can make your money work a little harder for you and your family.

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Other top cards for expecting mother's are Fidelity® Rewards Visa Signature® Card, M&T Visa Signature, and The Upromise MasterCard®.

Of course, no credit card can replace sound financial planning – or a mother's love. All it can do is make life a little easier.

Now if there was only a credit card for sleepless nights.

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