Best Family Credit Cards of December 2024

• Unlimited high rewards rate
• Average credit score required
• Automatically considered for a higher credit line after 6 months
• No foreign transaction fees

• Annual fee
• High APR
• No bonus rewards categories

• 1.5% Cash Back;
• No Foreign Transaction Fees;
• Autopay;
• $0 Fraud Liability;
• Card Lock;
• ATM Location Services.

• No Annual fee

• No Intro APR reriod

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
• 1.5% unlimited cash back on every purchase;
• No annual fee;
• See if you qualify in seconds with no impact to your credit score;
• Combine the flexibility of a card with the predictability of a personal loan;
• Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more;
• Up to 10% cash back from your favorite brands with Upgrade Shopping;
• Contactless payments with Apple Pay® and Google Wallet™;
• Mobile app to access your account anytime, anywhere;
• Use your card anywhere Visa is accepted;
• Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy.

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

• Every Purchase Earns You Cash Back
• Increased Cash Back for Three Categories
• No Limits Abroad

• You Can’t Withdraw Cash
• Cash Back Doesn’t Satisfy Your Monthly Payments

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
• 3% unlimited cash back on every purchase in Home, Health, and Auto categories;
• No annual fee;
• Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more;
• Up to 10% cash back from your favorite brands with Upgrade Shopping;
• No touch payments with contactless technology built in;
• See if you qualify in seconds with no impact to your credit score;
• Great for large purchases with predictable payments you can budget for;
• Mobile app to access your account anytime, anywhere;
• Use your card anywhere Visa is accepted;
• Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy.

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

• Low APR for Purchases
• No Minimum Credit Score Required
• Reports to Three Major Credit Bureaus
• Suitable Range of Credit Limit

• High Annual Fee
• High Transaction Fees on Cash Advance
• High Penalty Fees
• Foreign Transaction Fees

• 1% Cash Back rewards on payments;
• Accepted Nationwide;
• No Minimum Credit Score;
• No Credit History Required.

• No credit history required
• No Minimum Credit Score needed
• Low Annual Percentage Rates

• Annual Fee
• Foreign Transaction Fee

• 1% Cash Back on payments made to your First Progress Secured credit card account;
• Accepted Nationwide;
• No Minimum Credit Score;
• No Credit History Required.

• No fees
• Rewards

• No sign-up bonus

• Unlimited creation of virtual cards;
• Scalable credit line;
• Employee cards for everyone;
• Enforceable budgets;
• Expense reports.

• Flat-rate Cash Back Rewards on Everything
• High Rewards Rate
• No annual fee
• Attractive Intro APR on Balance Transfers

• Losing your 1% Cash-Back Is Pretty Easy
• Foreign transaction fee
• Balance Transfer Fee

• Citi Entertainment;
• $200 Cash Back;
• 2% Cash Back on every purchase;
• Fraud Protection;
• The Lost Wallet Service;
• $0 Liability for Unauthorized Charges.

• Excellent cashback bonuses
• Generous intro APR on purchases
• Great introductory bonuses

• Cashback cap
• Annual fee
• Foreign transaction fee

• Earn $300 Back (in the form of a statement credit);
• 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
• 6% Cash Back on streaming subscriptions;
• 3% Cash Back on transit;
• 3% Cash Back at U.S. Gas Stations;
• 1% Cash Back on other purchases;
• Extended warranty;
• Fraud Protection;
• Return Protection;
• Car Rental Loss and Damage Insurance;
• Global Assist® Hotline;
• Pay It Plan It®;
• American Express Experiences;
• Terms Apply.

• $150 and 5% Cash Back sign-up bonuses
• High cash back rewards on quarterly rotating bonus categories
• Decent cash back rewards on select spending categories
• 0% intro APR on purchases
• No annual fee

• Foreign transaction fee
• Rotating spending categories require activation
• No intro APR on balance transfers

• $200 Bonus;
• 5% Cash Back on travel purchased through Chase Ultimate Rewards;
• 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
• 3% Cash Back on drugstore purchases;
• 1% Cash Back on all other purchases;
• Zero Liability Protection;
• Extended Warranty Protection;
• Trip Cancellation/Interruption Insurance;
• Cell Phone Protection;
• Auto Rental Collision Damage Waiver;
• Travel and Emergency Assistance Services.

• No Annual Fee
• Generous rewards
• 0% intro APR
• Sign-up bonus

• Foreign Transaction Fee

• Zero Liability Protection;
• $200 intro bonus;
• 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
• 3 percent back on dining;
• 3 percent back at drugstores;
• 1.5 percent Cash Back on general purchases;
• Auto Rental Collision Damage Waiver;
• Trip Cancellation/Interruption Insurance;
• Travel and Emergency Assistance Services;
• 24/7 Fraud Protection;
• Redeem for Cash Back;
• Gift cards.