ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Choosing the Best Cards for Families

The content is accurate at the time of publication and is subject to change.

When you have a family, you need a bunch of everyday stuff as well as major purchases, from groceries and goods for children to trip planning and travel activities. You also need to teach your kids financial lessons and give them access to the card so that they would use it. Family cards not only allow you to make daily purchases, but also earn rewards or have additional perks, depending on the product.

Choosing the right first card for kids

There are two ways to start familiarizing children with the credit cards: to open a prepaid card or to apply for a student credit card if he or she reaches the age of 18. A prepaid or debit card is a pay-as-you-go card that only lets you spend money you've loaded onto it in advance. Most prepaid debit and credit cards are associated with major card networks - Visa, Mastercard, American Express and Discover and can be used anywhere they are accepted. Some examples include grocery stores, department stores, gas stations, restaurants, clothing retailers, for online shopping and more. Below is a list of cards for kids, which are more reasonable to begin with:

our choice

Card Type
Prepaid
Guaranteed Approval
No
Instant Response
No
Credit Check
No
  • Raise financially smart kids.
  • Send money instantly to your kids' accounts anytime, anywhere.
  • Real-time transaction notifications.
  • Store-specific spend controls and ATM parental controls.
  • Track all historic activity in your kids’ Spend, Save and Give accounts.
  • Switch the card on/off from the app.

our choice

Activation Fee: No

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for GoHenry - Credit-Land.com

Rating 4.2

APPLY

Any Credit

our choice

Card Type
Debit
Guaranteed Approval
Yes
Instant Response
Yes
Credit Check
No
  • Get the debit card & app that helps kids learn about budgeting.
  • A debit card to support kids' financial independence.
  • Choose from 45+ debit card designs & customize your card, too.
  • Zero Liability Protection by Mastercard®.
  • Real-time spending notifications.
  • GoHenry blocks unsafe spending categories.
  • Easily block and unblock cards.
  • FDIC-insured accounts up to $250,000.

our choice

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Instant Response

Guaranteed Approval

No Credit Check

Apply for Discover it® Student Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
16.74% - 25.74% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies.
  • Click "Apply Now" to see terms and conditions.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Redemption Options

Redeem cash back any amount, any time.µ

Rewards never expire.µ

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
16.74% - 25.74% Variable APR

Apply for Discover it® Student chrome - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
16.74% - 25.74% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies.
  • Click "Apply Now" to see terms and conditions.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Redemption Options

Redeem your rewards for cash in any amountµ

Your cash back never expires.µ

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
16.74% - 25.74% Variable APR

Cash back credit cards that are good for families

When it comes to the whole family, it is very pleasant to receive rewards, but if you have no desire to get into the points earning and redeeming process, it is difficult to argue with the benefit of getting cashback. Cash back is the most flexible of all rewards, as you get real dollars and cents that you can redeem for anything you want. Additionally, cash back credit cards may come with 0% intro APRs on purchases and allow adding authorized users. An authorized user is an additional cardholder, such as a child or a family member, on a credit card account. They are usually issued a card with their name on it, while the account will be owned by the primary cardholder and the responsibility for all expenses will lie with them. The advantage is that you can set a monthly limit for an authorized account and track all transactions.

Apply for Discover it® Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
15.74% - 26.74% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Redemption Options

Every $1 you earn in cash back is $1 you can redeem.

Rewards never expire.µ

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% Intro APR (15 months)

Intro APR on Balance Transfers:
0% Intro APR (15 months)

Ongoing APR:
15.74% - 26.74% Variable APR

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Apply for Citi<sup>®</sup> Double Cash Card – 18 month BT offer - Credit-Land.com

Rating 4.5

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% (18 months)
Regular APR
17.74% - 27.74% (Variable)
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual Fee
$0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

our choice

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Redemption Options

Redeem cash back for a check, statement credit, direct deposit; or convert to pointsµ

Your points will never expire as long as your account remains open.µ

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% (18 months)

Ongoing APR on Balance Transfers:
17.74% - 27.74% (Variable)

Balance Transfer Fee:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Annual Fee: $0

Apply for Discover it® chrome - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
15.74% - 26.74% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

our choice

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Redemption Options

Every $1 you earn in cash back is $1 you can redeem.

Cash rewards never expire.µ

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% Intro APR (15 months)

Intro APR on Balance Transfers:
0% Intro APR (15 months)

Ongoing APR:
15.74% - 26.74% Variable APR

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Family credit cards for grocery shopping

Sometimes, due to the workload and responsibility for your family, children, pets and more, there is absolutely no time and desire to dig into credit card details, you just need to take care of your family members and earn rewards for that. The monthly grocery shopping bill is likely to be one of the biggest spending categories for families. Therefore, it will be reasonable to have a credit card for everyday purchases. Earning rewards with grocery credit cards couldn't be easier: you can earn points on grocery, gas, streaming services, or in other categories. Moreover, if the whole family uses one card and there are authorized users added, then all the spending they do earns more rewards.

Credit cards for family travel

Several times a year, especially when the holidays are approaching, the question of how to spend the break to make it memorable always arises. And of course, all of us would like not only spend money on our current trip, but also earn rewards and make plans for future travel.

Travel credit cards earn travel points or miles that can be put towards flights, hotel stays, or other travel-related expenses. They also may come with generous sign-up bonuses and additional premium travel perks.

Bottom line

The best credit card for your family is the one that offers a high rewards rate in your biggest spending categories, teaches the proper way to handle cash, or has some additional benefits. By choosing the right card, you will not only be able to pay for everyday purchases, but also save your money.

must read FEATURED NEWS
AND RELATED RESEARCH

News: New Credit Card Offer from Citi and AT&T Is Now Available - Credit-Land.com
Dec 7, 2022

New Credit Card Offer from Citi and AT&T Is Now Available

The new U.S. Bank Mobile App has hit the cyber streets, and it now offers credit cardholders and...

Priority Pass Review: Maximize Your Membership

Priority Pass Review: Maximize Your Membership

Airport lounges can be an absolute necessity when you have an 18-hour layover or a 6-hour delay....

EXPLORE
MORE CREDIT CARDS BY CATEGORIES

Cash Back
Travel
Balance Transfer
Low Interest
Fair Credit

questions ABOUT CREDIT CARDS
FOR FAMILY NEEDS

What is a rewards card?

Broadly speaking, a rewards card is a card that gives incentives (points, miles or cash back) for the amount of money you spend with the card. Rewards cards can be co-branded or they can be general use cards issued by a...

Read more
How to save money on groceries using a credit card?

Groceries make the biggest part of the average family budget and when you have an opportunity to save on such purchases, you can save a lot. There are a lot of tips and pieces of advice about how to save money while...

Read more
I just turned 18 this year and want to start building credit how do I do this?

There are several options for you. The first one, and probably the easiest one, is to become an authorized user on your parents’ credit card. As an authorized user you will be issued a separate card. However, note...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

comments ABOUT
FAMILY CREDIT CARDS🜂

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions. All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

WHAT IS YOUR QUESTION?

Please enter your question and contact information so that we could send our answer to you by e-mail. Note: Please do not include personal information such as your SSN#, credit or debit account numbers.

EXTRA QUESTIONS TO DESCRIBE YOUR SITUATION IN MORE DETAILS:

* - required fields

By submitting your question, you agree to the following:*

Here at Credit-Land.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.

Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. Please do not submit your Social Security number, credit or debit card number, or bank account number to us - though we will never share your name or email with anyone, sensitive information should never be posted to an FAQ form. We are not a bank or a credit card issuer, and we do not have access to your account information.

Thank You, Your Question Has Been Successfully Sent!
YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!