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Best credit cards for mom

By , Editor-in-chief

American Express is a CardRatings.com advertiser.

Best credit cards for mom

Breakfast in bed. Hand-painted, completely glitter-fied works of adorable art. A lovely bouquet of roses.

All perfect for Mother's Day.

This year, however, we decided to skip the Whitman's Sampler and head right over to something more advantageous. We've decided you should reward yourself after all that scrimping, saving, earning and splurging (on others, of course).

We analyzed our database of credit cards to find the best, most current offerings to help you put more cash into the family budget, fund that amazing summer family adventure, earn points for you when you spend on others, or help you right your financial ship by paying down debt faster. Moms may not be the only ones who find these offers of interest these offers are open to all eligible applicants.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
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Our Editor's Take:
Feel like you're constantly navigating a packed shopping cart through your local supermarket? With this card you'll earn 6 percent cash back on groceries at U.S. supermarkets up to $6,000 per year in purchases. Terms and limitations apply.

Card Details
Credit RequiredExcellent
Cash Back Groceries 6% at US supermarkets up to $6,000 per year in purchases
Cash Back Gas 3% at US gas stations
Cash Back Other 3% at select US dept stores, 1% on other purchases

This is the best credit card if you live at the grocery store. Don't let the $75 annual fee deter you from this card, which offers a whopping 6 percent cash back at U.S. supermarkets (up to $6,000 per year in purchases), 3 percent on purchases at U.S. gas stations and select U.S. department stores, and 1 percent on other purchases. You can also earn $150 back (in the form of a statement credit) after you spend $1,000 in purchases on your first three months with your new card. Terms and limitations apply.

BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card
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Our Editor's Take
Feel like you're always running errands? With this card you’ll earn 3 percent cash back on gas and 2 percent cash back at grocery stores for the first $1,500 in combined gas and grocery purchases each quarter.

Card Details
Credit RequiredExcellent
Cash Back Groceries Up to 2% at grocery stores
Cash Back Gas Up to 3%
Cash Back Other 1%

This card is a top pick for the mom who's always shuttling kids around. You'll earn 1 percent cash back on every purchase, 3 percent cash back on gas and 2 percent cash back at grocery stores for the first $1,500 in combined gas and grocery store purchases each quarter. Every time you redeem your cash back rewards into a Bank of America checking or savings account get a 10 percent customer bonus. Yes, you might earn a higher cash back rate elsewhere, but this card's lack of annual fee is a nice feature, as is the sign-up bonus offer -- you can earn a $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.

Chase Freedom®

Chase Freedom®
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Our Editor's Take
Crafty cardholders can score some solid cash-back rewards if they time their spending around this card’s 5 percent quarterly cash-back categories.

Card Details
Credit RequiredGood
Cash Back Groceries 1%
Cash Back Gas 1%
Cash Back Other Up to 5% cash back in categories that change when you sign up for 5%* and 1% cash back on all other purchases*

A mom who knows her way around a shopping list will want to take a look at Chase Freedom. You'll earn 5 percent cash back each quarter (after signing up) on up to $1,500 in combined purchases in that quarter's bonus categories. Current and future 2015 quarterly categories include Bed Bath & Beyond, gas stations, Amazon and more. You'll also earn an unlimited 1 percent back on all other purchases, and pay no annual fee. Another way to maximize your cash-back potential is to shop through Chase Ultimate Rewards and earn additional cash back when you use your card to pay for online purchases from dozens of popular retailers. Other cash-back potential comes in the form of a $100 sign-up bonus after you spend $500 on purchases in your first three months from account opening, and a $25 bonus after you add your first authorized user and make a purchase within this same three-month period.

Discover it®

Discover it®
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Our Editor's Take
A zero-percent intro APR on balance transfers for 18 months – even after factoring in the 3 percent balance-transfer fee - makes this a top pick for anyone looking to knock out their family's debt.

Card Details
Credit RequiredExcellent
BT Intro APR 0%
BT Intro Period 18 Months
BT Fee 3%

This one is for the mom who never takes her eye off the monthly budget but needs a better tool to pay down debt fast. Discover it currently offers zero-percent introductory APR on balance transfers for 18 months. After the introductory period ends, a variable purchase APR applies (currently 10.99 percent to 22.99 percent). A 3 percent fee applies to each transferred balance. You'll also have free access to your FICO credit score on monthly statements, online and through Discover's mobile app. Discover's new Freeze ItSM on/off switch may also come in handy if you ever misplace your card, as it enables you to freeze or unfreeze your account in seconds via their website or mobile app.

Citi® Double Cash Card

Citi® Double Cash Card
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Our Editor's Take
This recent addition to the cash-back card landscape is a welcome one. It's quite simple earn cash back twice on every purchase - earn 1 percent cash back when you buy and 1 percent cash back as you pay for those purchases.

Card Details
Credit RequiredExcellent
Cash Back Groceries See Terms
Cash Back Gas See Terms
Cash Back Other See Terms

Too busy to be bothered with signing up for quarterly bonus categories and remembering which card gives a better cash-back rate on certain purchases? Consider the Citi Double Cash Card (Citi is a CardRatings.com advertiser), which has no restrictive categories and no limits on the amount of cash back that you earn. Earn 1 percent cash back on every purchase, and 1 percent cash back as you pay off those purchases, whether you pay in full or chip away at the balance over time. This card also charges no annual fee.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card
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Our Editor's Take
Want a travel rewards card that doesn't make you commit to a particular airline or hotel chain? With this flexible option you can earn two miles per dollar, with no cap on earning potential, no expiration date on those miles, travel when you want with no blackout dates and no foreign transaction fees.

Card Details
Credit RequiredExcellent/Good
Points Or Miles2X miles/$1
Foreign Transaction FeeNone
Sign-up BonusEnjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel

Ready to book your family’s next vacation? You'll want to take a look at this card’s sign-up offer. Earn a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first three months, equal to $400 in travel. Even if you don't hit that spending mark, there are still plenty of great reasons to put this card in your wallet. You'll earn an unlimited 2X miles per dollar spent on every purchase. These miles don't expire and can be applied to all sorts of rewards travel, including flights, hotel stays, rental cars, cruises and more. You're not tied to any particular airline or hotel chain. You will pay an annual fee ($0 intro for the first year, then $59) but you won't pay foreign transaction fees.

Fidelity® Investment Rewards® American Express® Card

Our Editor's Take
Being able to put those cash-back rewards away for your child's future is an appealing option for forward-thinking families.

Card Details
Credit RequiredExcellent
Cash Back Groceries 2%
Cash Back Gas 2%
Cash Back Other 2%

For the mom who wants to build college savings, the Fidelity Investment Rewards American Express Card remains one of the best rewards credit cards available, because your earnings actually go up with your spending. While most cash-back cards allocate rewards in the form of a check or statement credit, Fidelity lets you deposit your cash-back rewards into one or more Fidelity brokerage, IRA, cash management or 529 college savings accounts.

Funnel your cash-back rewards into that 529 college savings account and it can grow tax-deferred until your child reaches college age. Pay for your kids' tuition with the proceeds, and you won't pay any taxes on your earnings. It's an easy, effortless way to set aside up to 2 percent of your annual spending for college expenses without actually locking down your own funds.

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