Best credit cards for expecting mothers from our partners

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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:
This card as the one with which the bonus categories are most likely to overlap the spending habits of new mothers: 6 percent cash back on at U.S. supermarkets (up to $6,000 spent annually), 3 percent cash back at U.S. gas stations and 1 percent cash back on other purchases (American Express is a CardRatings advertiser).

Card Details
Credit required  Good, Excellent
APR   15.24% - 26.24% Variable
Highlighted offer Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Annual fee   $95

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

There's also 3 percent cash back at U.S. gas stations and 1 percent cash back on other purchases. 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.

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Capital One® Venture® Rewards Credit Card

Capital One® Venture® 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 blackout dates and an easy miles-earning structure mean you'll have the little tyke visiting her far-flung relatives in no time.

Card Details
Credit required Excellent, Good
APR 17.99% - 25.24% (Variable)
Highlighted offer 50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
Annual fee $0 intro for first year; $95 after that

Travel, Baby. A travel rewards credit card may not seem like the obvious choice since it's not exactly easy to travel with a kiddo, 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 Capital One® Venture® Rewards Credit Card is a great one to consider in this situation because its rewards don't expire for the life of the account, meaning you can start earning now but travel only when you feel most comfortable. The points are easy to redeem with no restrictions or blackout dates. For a limited time they have increased the welcome offer so you will receive 50,000 bonus miles after spending $3,000 in the first three months. One hundred points equals $1 in travel credit, so that offer is worth up to $500 in travel that you can redeem for flights or hotel stays (among other travel).

In addition to the bonus, you'll earn an unlimited two miles for every $1 spent and enjoy a card with no foreign transaction fees -- a big money-saver when you decide to start showing your kiddo the world.

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Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity<sup>®</sup> 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 percent APR  for 12 months from date of account opening on purchases and 21 months from date of first transfer on balance transfers, then 16.24% - 26.24%* variable, based on creditworthiness. Note: All transfers must be completed in the first four months (Citi is a CardRatings advertiser).

Card Details
Credit required  Excellent, Good
APR   16.24% - 26.24%* Variable
Intro APR   0%* 12 months on Purchases*
Intro duration 12 months
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, gives you 12 months of 0 percent APR, then 16.24% - 26.24%* variable, based on creditworthiness; some serious breathing room for paying back your expenses without having to worry about high interest (perhaps after you’ve started working again if that's in your plans)? 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. If you transfer a balance with this offer after your 0% intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full. No late fees, no penalty rate and no annual fee are just a few more of the "breathe a sigh of relief" features with this card.

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Citi® Double Cash Card - 18 month BT offer

Citi<sup>®</sup> Double Cash Card - 18 month BT offer About Our Ratings
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Our editor's take:
The Citi® Double Cash Card - 18 month BT offer 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 15.74% - 25.74%* Variable
Intro BT APR 0%
Intro BT duration 18 months on Balance Transfers*
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 to that weekend trip with your girlfriends or significant other. 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 2017 best picks for cash back card, is perfect for new moms – simply buy what your baby needs and keep the cash back for yourself. Plus, since your rewards are tied to paying off your credit card bill, you won't be tempted to let a balance linger. Win-Win.

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Citi ThankYou® Preferred Card

(This card is not currently available on CardRatings)

Citi ThankYou<sup>®</sup> Preferred Card About Our Ratings

Our editor's take:
Cardholders are eligible for two ThankYou® points per $1 spent on dining at restaurants and entertainment and one ThankYou® point on other purchases.

Card Details
Credit required Excellent
APR 15.49% - 25.49%* Variable
Intro APR 0% 15 months on Balance Transfers*
Intro duration 15 months
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.

For rates and fees of the American Express card mentioned in this post, please see the following link: Blue Cash Preferred® Card from American Express (See Rates and Fees)


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