7 Best Credit Cards for Stay at Home Parents

Advertiser Disclosure

* Advertiser Disclosure: How to Money has partnered with CardRatings for our coverage of credit card products. How to Money and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. Lastly, the site does not include all card companies or all available card offers.

The best credit cards for stay at home parents are the ones that heavily reward you for the type of shopping your family does most. This could mean a specific retailer credit card for a place you frequently shop (like Costco), or the best travel credit cards that give you sweet discounts on family vacations!

Homemakers might even consider having a three or four credit card strategy. With multiple cards at your disposal it will allow you to capture a wider variety of rewards.

Why Trust US

How to Money with Joel Larsgaard and Matt Altmix

Your Money, Our Mission

We are personal finance nerds
Our personal finance podcast has over 45 million downloads and counting
We believe that everyone should have the tools to be financially independent

When it comes to credit cards, we’ve read all the fine print for you. We share our unbiased advice to help you choose and use the best credit cards for your lifestyle, so you can do more with your money than just make ends meet. We receive a small commission from affiliate links but only promote top-notch cards and give each one an honest How To Money rating.

Can a homemaker get a credit card with no personal income?

Yes! Anyone over 21 years old can include “household income” on a credit card application. This means your spouse or partner’s income, investment or rental income, or any household income of “which you have reasonable access”.

So if you’re not working currently as a stay at home mom or dad, or even if you’re unmarried and living with a partner or other family members, don’t fret! The credit card act of 2009 was put in place to provide fair lending practices to people including those who do not have personal income.

Blue Cash Preferred® Card from American Express 🏆

First up is one of our personal favorites… The card_name. This bad boy gives you the best cash back rate at grocery stores, a whopping 6%! There is a limit however, which is up to the first $6,000 each year (then it reverts down to 1% cash back). See Rates and Fees.

Given that food and groceries are most household’s biggest expense category (besides rent) this card can give you the biggest bang for your bucks. Spending $6k on groceries alone gets you $360 in cash back each year, without even tapping into the other benefits.

Here are all the main features at a glance:

6% cash back on groceries** (up to first $6k each year)
6% back on all streaming subscriptions
3% cash back at US gas stations
Low intro APR: 0% for first 12 months
1% cash back on ALL other purchases

The card_name does have an annual fee, which is $95. But, it’s waived for the first year, and there’s also an awesome sign up promotion. You can bonus_miles_full Given these promos, the annual fee is kind of covered for the first 3-4 years of ownership.

With killer grocery and gas discounts, this is easily one of the best credit cards for stay at home parents who do most of the family shopping. Matt and I both have this card in our wallet, too!

**Important note: People have reported that grocery purchases at Target and Walmart do not qualify for the 6% cash back. So if you do most of your grocery shopping there, consider other cards!**

Citi Custom Cash® Card

The card_name is good for one thing and one thing only… And that is giving you a killer 5% cash back for your single biggest expense category each month.Here’s how it works: You go about spending as normal, using the card_name. At the end of the month, Citi will analyze your spending and identify which category you’ve spent most in. Then they’ll reward you with 5% back.

One important note – the 5% cash back is only eligible in these categories… Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment. Also, the cash back is only up to the first $500 spent on that top category each month.

Pro tip: To maximize benefits, it’s best if you just choose a single category to use this card on. For example, you could keep it in your car and only use it for gas purchases. That way you’ll always get 5% back on gas, and you can use other credit cards for better rewards with other purchases.

The card_name has $0 annual fee to worry about. Better yet, there’s a sign-up bonus! You can earn $200 by spending $1,500 in purchases in the first 6 months.

Capital One SavorOne Cash Rewards

We like the Capital One SavorOne Cash mostly because of the 3% you can earn for dining, entertainment, and at US grocery stores (except at Target/Walmart). There is no annual fee, and a generous $200 cash bonus for spending $500 in the first 3 months after opening the card.

Here’s what the Capital One SavorOne Cash offers:

Unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores
Earn 10% cash back on Uber & Uber Eats purchases
Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
No annual fee
Cash back never expires! (as long as you keep the account open)

If your family orders a fair amount of take-out (via UberEats), and also dines out at restaurants a lot, this is one of the best credit cards for stay at home parents.

Given that there’s no annual fee, the Capital One SavorOne Cash is a credit card that you can keep open for as long as you want. Even if your lifestyle changes and your spending looks different a few years from now, there is no cost to you have the account.

Chase Sapphire Preferred® Card

The card_name is one of the best travel rewards cards available these days, with a annual_fees annual fee. But don’t let that scare you off, because the welcome offer and ongoing rewards more than offset the cost!

Here is the current welcome offer: bonus_miles_full

Here are the Sapphire Preferred card features:

5x Points on all travel purchased via the Chase portal
$50 annual Hotel credit
3x points on all restaurants and online grocery shopping
Free trials for Instacart and DoorDash memberships
Trip cancellation and interruption insurance
No foreign transaction fees
All points are worth 25% more when redeemed for travel purchases!

Here’s a full post on how Chase Ultimate Rewards Points work. It’s super easy, and Chase has one of the most flexible redemption systems out of all the credit card companies. You can even combined points with family members, or transfer them to travel partners.

All in all, the card_name is perfect for families that spend a decent amount on travel most years. Even if you’re booking just one big trip each year, you’ll easily earn enough reward points to offset the annual fee. Plus this card gives you access to other great discounts.

Chase Freedom Unlimited®

The card_name is cash back credit card with a $0 annual fee. You don’t have to worry about “points”, as they provide just straight cash back for purchases.Just like the same says, this card offers an “unlimited” 1.5% cash back on all purchases. But the best part is higher percentages for other categories, specifically travel purchases.

Here’s an overview of the card_name benefits:

Unlimited 1.5% cash back on all purchases
5% cash back on travel booked via Chase Travel℠
3% cash back on dining
3% cash back on drug stores

As you can see, if you and your family travel a lot, you’ll get great rewards with this card_name card. It’s slightly less intimidating than the aforementioned Sapphire Preferred card, due to the $0 annual fee and offering straight cash back. Jet-setting families should also have a travel credit cards with no foreign transaction fees.

Related:

Citi Double Cash® Card

Another one of the best credit cards for stay at home parents is a 2% cash back card for all of your miscellaneous spending. It’s the card_name.While most credit cards offer a paltry 1% cash back for “all other purchases”, this card gives you double the standard. And because there’s no annual fee, it’s perfect to have this in

The cash back you’ll earn comes in the form of a statement credit, check, or direct deposit after you pay your bill on time each month.

Another perk is the welcome offer! With the card_name you can earn an additional $200 cash back when you spend $1,500 in the first six months. That’s a very good deal, given the lack of an annual fee too.

Costco Anywhere Visa® Card by Citi

Personally, this is my FAVORITE credit card. If you live near a Costco and shop there a fair amount, you need to take advantage of the card_name

For starters, there’s no annual fee for this card if you have a Costco membership. So right out of the gate there is little downside to getting one. Also, it’s not just for purchases at Costco, because this beautiful piece of plastic will reward you at ANY gas station, worldwide.

Here is a rundown of all the benefits:

Earn 4% cash back on fuel and EV charging at any gas station, worldwide.
Earn 3% cash back on restaurants and eligible travel services
Get 2% cash back for Costco purchases
1% cash back for everything else.

For most people, just using the card_name for Costco trips alone will cover your annual membership fee.

Even if you have the more expensive Executive Membership. It’s one of the best Costco perks that everyone should take advantage of.

Other Best Credit Cards by Spending Category:

There are hundreds of different credit cards available, and we realize every family has different spending profiles. We partner with CardRatings to maintain updated lists that rank the best cards and promotions at any given time. Here are some you might like:

Best Cash Back Cards 💵
Best Cards for Groceries 🛒
Top Travel Rewards Credit Cards 🚞
- Airline Rewards Specific ✈️
- Hotel Specific Cards 🏨
Best 0% APR Credit Cards 💸
Credit cards for Unemployed or Credit Builders 🙋‍♂️

The Bottom Line

Homemakers in charge of family spending have an excellent opportunity to earn rewards and cash back just for using the right credit cards. While every family spends differently, we’ve tried to lay out the best credit cards for stay at home parents that have reliable and consistent offers.

There’s no harm in having 3-4 credit cards, using each one for different types of purchases. Just make sure to label them so you don’t get confused and can maximize the benefits.

**Photo by Jonathan Borba on Unsplash

_{*Advertiser Disclosure: How to Money has partnered with CardRatings for our coverage of credit card products. How to Money and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact on how and where card products appear on the site. Lastly, the site does not include all card companies or all available card offers.}

_{*Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.}

_{*User Generated Content Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.}

_{*For rates and fees of the card_name, See Rates and Fees}