What's the best baby credit card?

The best baby credit card is the Blue Cash Preferred Card from American Express. With it, you earn 6% at U.S. supermarkets (on your first $6,000 annually) and 3% cash back at U.S. gas stations and select U.S. department stores, perfect for your baby-related purchases. Spend $1,000 in the first three months your account is open and you’ll receive a $200 statement credit.

If you prefer to shop for your newborn online, the Amazon.com Credit Card by Chase gives you 3% cash back for every $1 spent on amazon.com (5% if you have a Prime membership). Or, you can plan for your toddler’s future with the Fidelity 529 Credit Card. You’ll get 2% on all purchases, with rewards points eligible for deposit to a Fidelity 529 college savings account. The baby-specific BuyBuy Baby Mastercard earns you 5% on all purchases at BuyBuyBaby, in-store or online.

Here are the best baby credit cards:

• Blue Cash Preferred Card from American Express

$95 annual fee. Can be offset with 6% cash back at grocery stores (on your first $6,000 spent per year) and 3% cash back at gas stations and select department stores for your baby’s food, travel and clothing needs. 1% cash back on all other purchases. Earn a $200 statement credit when you spend $1,000 in the first three months the account is active. Cash back rewards never expire as long as the account is open. 0% interest for 12 months on purchases and balance transfers (3% transfer fee); 14.49% - 25.49% APR after. Good credit or better required.

• Amazon.com Credit Card by Chase

No annual fee. Earn 3 points per $1 spent on your baby’s necessities at Amazon.com and Whole Foods Market (5 for Prime Members); 2 at gas stations, restaurants and drugstores; 1 on all other purchases. $50 Amazon gift card loaded onto your account after approval ($70 with Prime). Points redeemable to pay at checkout or for cash back, gift cards, and travel. Points never expire as long as the account is open. Minimum good credit or better required.

• Fidelity 529 Credit Card

No annual fee. Earn 2 points per $1 spent on all purchases. Deposit rewards for one cent per point in up to five eligible Fidelity accounts, including your child’s 529 college savings plan. Points also redeemable for merchandise, gift cards, statement credits or your child’s first vacation. Points never expire as long as the account is open. Excellent credit required.

• BuyBuy Baby Mastercard

No annual fee. Get extra points for baby-related purchases. Earn 5% back for every $1 spent at BuyBuy Baby or buybuybaby.com; 2% back on gas and groceries; 1% on all other purchases. Points never expire as long as the account is open. 0% deferred interest for up to 12 months. 14.49% - 24.49% APR applied to original purchase date if balance not paid in full by end of term.

• Discover it Cashback Match Rewards card

No annual fee. 0% interest for 14 months on purchases and balance transfers (3% transfer fee); 13.49% - 24.49% APR after. Earn 5% cash back on up to $1,500 spent in different bonus categories every quarter. Past categories include gas stations, grocery stores, restaurants, Amazon.com, and wholesale clubs. Discover matches ALL cash back earned at the end of your first year, cash that could boost your infant’s college fund. Cash back rewards never expire as long as the account is open. Option to use cash back directly at Amazon.com checkout. Minimum good credit or better required.

Your lifestyle and spending preferences change overnight when you become a parent, so consider also changing your credit card preferences. Cards with high rewards for travel and dining will be less useful in the short term, whereas cards with rewards for everyday expenses and 0% interest would be better suited to help finance your life changing event.

I wanted to say the Amazon CC, but I have it and I can say I don't shop a lot for baby items at Amazon. So Citi Double Cash or the Discover it Cashback are the best you can get. Can't really beat cashback.

You can buy everything you can think of from Amazon these days, so Amazon's credit card is the way to go imo.