Paul Kessler, WalletHub Credit Card Analyst
@p.kessler
The best baby credit card is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases, perfect for any baby-related expense that might pop up. In addition, Wells Fargo Active Cash has a $0 annual fee and gives a bonus of $200 cash rewards after spending $500 in the first 3 months.
Alternatively, if you expect to do a lot of online shopping when your baby arrives, the Amazon.com Credit Card will give you 1 - 5 points per $1 spent on purchases. Or, you can plan for your toddler’s future with the Fidelity 529 Credit Card. You’ll get 2 points per $1 spent on purchases, with rewards points eligible for deposits to a Fidelity 529 college savings account.
Best Baby Credit Cards for New Parents in 2023
- Rates & FeesBest Overall: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
Initial Bonus: $200 cash rewards after spending $500 in the first 3 months
Ongoing Rewards: 2% cash rewards on all purchases
Annual Fee: $0
Min. Credit Required: Good
- Rates & FeesTerms ApplyBest for Bonus Cash Rewards: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
Initial Bonus: $250 statement credit for spending $3,000 in the first 6 months
Ongoing Rewards: 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, earned as statement credits
Annual Fee: $0 intro 1st yr, $95 after
Min. Credit Required: Good
- Best for Online Purchases: Amazon.com Credit CardAmazon.com Credit CardLearn MoreLearn More
Initial Bonus: $60 Amazon.com gift card upon approval ($150 for Prime members)
Ongoing Rewards: 3 points per $1 spent on all purchases for the first 3 months up to $1,500, after that 3 points per $1 spent at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases, 2 points per $1 spent at gas stations, restaurants and on local transit and commuting, and 1 point per $1 spent on all other purchases
Annual Fee: $0
Min. Credit Required: Good
- Best for College Savings: Fidelity 529 Credit CardFidelity 529 Credit CardLearn MoreLearn More
Ongoing Rewards: 2 points per $1 spent on all purchases
Annual Fee: $0
Min. Credit Required: Excellent
- Best Baby Store Card: Buybuy Baby® Store CardBuybuy Baby® Store CardLearn MoreLearn More
Initial Bonus:
Ongoing Rewards: 60 points per $1 spent at buybuy BABY® and family brands
Annual Fee: $0
Min. Credit Required: Fair
- Best for Wholesale Purchases: BJ’s One+™ Credit CardBJ’s One+™ Credit CardLearn MoreLearn More
Ongoing Rewards: 5% back in rewards on most purchases at BJ’s, and 2% back in rewards on all other purchases
Annual Fee: $0
Min. Credit Required: Good
- Best for Target Purchases: Target Credit CardTarget Credit CardLearn MoreLearn More
Ongoing Rewards: 5% discount at Target and Target.com
Annual Fee: $0
Min. Credit Required: Fair
Your lifestyle and spending preferences change overnight when you become a parent, so consider also changing your credit card preferences. Cards with high rewards rates for travel and dining will likely be less useful in the short term, whereas cards with rewards for everyday expenses and 0% interest promotions might be better suited to help reduce the cost of your life changing event.
2023's Best Credit Cards
Alice Kane, WalletHub Analyst
@Alice_K
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 is the best you can get. Can't really beat cashback.
James Bronzz, WalletHub Analyst
@jbronz
You can buy everything you can think of from Amazon these days, so Amazon's credit card is the way to go imo.
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read full answerWhat is the best 2% cash back credit card?
The best 2% cash back credit card is the Wells Fargo Active Cash® Card because it has a $0 annual fee and gives unlimited 2% cash rewards on all purchases. It also offers an initial bonus of $200 cash rewards after spending $500 in the first 3 months.
Wells Fargo Active Cash is one of the best credit cards on the market right now. But there are a few other great 2%+ cash back credit cards to consider when shopping for the best deal.
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