Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
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Best Credit Cards for Single Moms of June 2024

Every single mom knows it’s vital to navigate personal finances. You can not do it without a great credit card. Credit cards make your life easier by providing bonuses and discounts you need. With many credit cards available on the market, choosing the one that matches your needs and lifestyle is essential. Credit cards nowadays offer a wide variety of features, and it is important you find the card that will fit you the most. In this article, we will look through the best credit cards for single moms. Also, we will give our advice to moms on how to choose the right credit card just for you and how to make it beneficial for you and your children.

By Hanna Volkava
Updated June 12, 2024

Best Credit Cards for Single mom in June 2024

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Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

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SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
19.74% - 29.74% Variable
Our Rating:
4.28
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    19.74% - 29.74% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One SavorOne Rewards Credit Card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

    The SavorOne Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 19.74% - 29.74%. The card has a balance transfer fee of 3%.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No annual fee
    • No foreign transaction fees
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
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Capital One Venture Rewards Credit Card best for Travel, Daily use

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Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
19.99% - 29.99% Variable
Our Rating:
3.43
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
    • 2x Unlimited 2X miles on every purchase, every day.
  • Intro Offer:
    • 75,000x Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
  • Balance Transfer APR:
    19.99% - 29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

    The Capital One Venture Rewards Credit Card's APR: 19.99% - 29.99% (Variable). The card has an annual fee of $95. Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

    Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more

    Transfer your miles to your choice of 15+ travel loyalty programs.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel;
    • 5x miles on hotels and car rentals;
    • 2x miles on every purchase, every day;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Hertz Five Star status;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
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Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

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Quicksilver Capital One
Annual fee:
$0
Regular APR:
19.99% - 29.99% Variable
Our Rating:
4.49
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    19.99% - 29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Quicksilver Credit Card from Capital One® offers 5% Cash Back on hotels and rental cars (booked through Capital One Travel), and 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 19.99% - 29.99% (Variable). The card has a balance transfer fee of 3%. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR (none for balances transferred at the Transfer APR).

    New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Pros:
    • No minimum redemption is required
    • No annual fee
    • No foreign transaction fees
    • Intro APR period on Purchases
    • Generous sign-up bonus
  • Cons:
    • No bonus rewards categories
    • Other cards offer longer intro APR periods and/or lower APR
    • You need a good credit score to get this card
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
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Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

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QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
29.99% Variable
Our Rating:
3.6
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One earns 5% Cash Back on hotels and rental cars (booked through Capital One Travel), and 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 29.99% Variable. Balance Transfer Fee: 4% of the amount of each transferred balance that posts to your account. None for balances transferred at the Transfer APR.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
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Capital One® Quicksilver Secured Cash Rewards
Annual fee:
$0
Regular APR:
29.99% Variable
Our Rating:
3.54
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 5% Cash Back on hotel and rental car purchases through Capital One Travel.
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Quicksilver Secured Cash Rewards Credit Card offers unlimited 5% Cash Back on hotel and rental car purchases through Capital One Travel, and 1.5% Cash Back on all purchases with a $0 annual fee.

    The APR for purchases and balance transfers is 29.99 Variable. The Balance Transfer Fee: $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you.

  • Pros:
    • No Annual Fee
  • Cons:
    • No Intro APR period
    • High APR
    • No welcome bonus
  • Benefits:
    • 5% Cash Back on hotel and rental car purchases through Capital One Travel;
    • 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Emergency Card Replacement;
    • Capital One® Travel.
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Capital One Platinum Secured Credit Card best for Single mom, Without SSN

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Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
29.99% Variable
Our Rating:
2.39
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    29.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.

    The card's APR is 29.99% (Variable). Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

    You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.

    The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.

    Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

  • Pros:
    • Low initial deposit amount of $49, $99, or $200
    • You can increase the credit line up to $1000
    • No annual fee
    • Automatic credit line reviews
    • Credit building
  • Cons:
    • High APR
    • Low credit limit
    • No rewards program
  • Benefits:
    • $0 Fraud Liability;
    • Refundable Deposit;
    • Capital One CreditWise;
    • Eno®, your Capital One assistant;
    • Virtual Card Numbers from Eno;
    • Emergency Card Replacement;
    • ATM Location Services;
    • MasterRental Coverage;
    • 24/7 Customer Service.
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First Access Visa® Card best for Low income

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First Access Visa® The Bank of Missouri
Annual fee:
$75.00 for the 1st year, $48.00 after
Regular APR:
35.99%
Our Rating:
4.2
scorer
Credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • Issuer name:
    The Bank of Missouri
  • Details:

    The First Access Visa® Card is a true VISA® credit card that does not require perfect credit for approval.

    The First Access Visa® Card's APR: 35.99%.

    The First Access Visa® Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

    Read full review

  • Pros:
    • Available to those with bad credit
    • Reports to three major credit bureaus
    • Easy application
    • No security deposit
  • Cons:
    • High APR
    • Several fees
    • Low credit limit
  • Benefits:
    • 1% Cash Back rewards on payments made to your First Access Credit Card;
    • First Access Visa credit card accepted nationwide;
    • Rebuild your credit;
    • Easy and Secure Online Application.
View all First Access Visa® details
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On the First Access Visa® Card secure website
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Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

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Reflex® Platinum Mastercard®​ Celtic Bank
Annual fee:
$75 for the first year
$125 after the first year
Regular APR:
35.90% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Good (0-739)
    • Issuer name:
      Celtic Bank
    • Details:

      The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 35.90% (Variable).

      With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

      The monthly maintenance fee (from the 2nd year) is $0 for the first year, then $150 thereafter, billed $12.50 per month (Credit Limit of $750 or $1,000: no fee).

      Read full review

    • Pros:
      • Chance to get a higher credit limit
      • All credit scores are welcome to apply
      • Reports to three bureaus
      • Check if you prequalify without affecting your credit score
      • No deposit required
    • Cons:
      • No rewards
      • High Regular APR
      • High annual fee
      • Monthly maintenance fee
      • Additional card fee
      • Foreign transaction fee
    • Benefits:
      • $0 Fraud Liability;
      • Potential Credit Limit Increase After Just 6 Months;
      • Free Monthly Credit Score;
      • Monthly Reporting to All Three Major Credit Bureaus;
      • Credit Protection program.
    View all Reflex® Platinum Mastercard® details
    Apply now
    On Celtic Bank‘s site
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    Total Visa® Card The Bank of Missouri
    Annual fee:
    $75.00 for the 1st year, $48.00 after
    Regular APR:
    35.99% *
    Our Rating:
    3.32
    scorer
    Credit score
    Rebuilding Credit to Fair (0-669)
    • Rewards Rate:
      • 1% Cash Back on all purchases.
    • Issuer name:
      The Bank of Missouri
    • Details:

      The Total Visa® Card is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply.

      The Total Visa® Card's Regular APR is 35.99%.

      The Total Visa® Card allows you to choose your own card design.

      Read full review

    • Pros:
      • Low Requirements
    • Cons:
      • Annual Fee
      • High Regular APR
      • No Intro APR period
      • Extra Fees
    • Benefits:
      • $0 fraud liability;
      • Reports monthly to all three major credit bureaus;
      • Manageable monthly payments;
      • Select your favorite card design for free.
    View all Total Visa® Card details
    Apply now
    On the Total Visa® Card secure website
    Card detail
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    First Progress Platinum Prestige Mastercard® Secured Synovus Bank
    Annual fee:
    $49 annually
    Regular APR:
    15.24% Variable
    Our Rating:
    3.8
    scorer
    Credit score
    No Credit History to Fair (0-669)
    • Rewards Rate:
      • 1% Cash Back rewards on payments.
    • Issuer name:
      Synovus Bank
    • Details:

      The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

      The Card earns 1% Cash Back rewards on payments.

      The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 15.24% (Variable for purchases), 24.24% (Variable for cash advances).

      Read full review

    • Pros:
      • Low APR for Purchases
      • No Minimum Credit Score Required
      • Reports to Three Major Credit Bureaus
      • Suitable Range of Credit Limit
    • Cons:
      • High Annual Fee
      • High Transaction Fees on Cash Advance
      • High Penalty Fees
      • Foreign Transaction Fees
    • Benefits:
      • 1% Cash Back rewards on payments;
      • Accepted Nationwide;
      • No Minimum Credit Score;
      • No Credit History Required.
    View all First Progress Platinum Prestige Mastercard® Secured details
    Apply now
    On First Progress’s site
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    First Progress Platinum Elite Mastercard® Secured Credit Card Synovus Bank
    Annual fee:
    $29 annually
    Regular APR:
    25.24% Variable
    Our Rating:
    3.3
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        Synovus Bank
      • Details:

        The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

        As a secured credit card, the First Progress Platinum Elite Mastercard® Secured Credit Card doesn’t come with any welcome offers, sign-up bonuses or reward rates.

        As a Mastercard®-branded credit option, this First Progress Platinum Elite Mastercard® Secured Credit Card is accepted nationwide.

        The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

        Read full review

      • Pros:
        • No credit history required
        • No Minimum Credit Score needed
        • Low Annual Percentage Rates
        • It builds your Credit Score
      • Cons:
        • No option to graduate to an unsecured credit card
        • Credit limit is equal to your deposit amount
        • There is no Rewards program
      • Benefits:
        • No Minimum Credit Score;
        • No Credit History Required;
        • Accepted Nationwide.
      View all First Progress Platinum Elite Mastercard® Secured details
      Apply now
      On First Progress’s site
      Card detail
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      Secured Mastercard® Merrick Bank
      Annual fee:
      $36 for first year. Billed $3 per month thereafter
      Regular APR:
      22.70% Variable
      Our Rating:
      3.2
      scorer
      Credit score
      No Credit History to Poor (0-579)
        • Issuer name:
          Merrick Bank
        • Details:

          The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

          The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

          The Card's APR: 22.70% Variable for purchases.

          The Secured Mastercard® credit card reports to all three major credit bureaus.

          Read full review

        • Pros:
          • Up to $3000 credit limit
          • Reports to three major credit bureaus
          • You don’t need a bank account to apply
          • Access to FICO score
          • Low APR
        • Cons:
          • No rewards or intro offers
          • $200 minimum deposit
          • Extra fees
          • $36 annual fee
        • Benefits:
          • Monthly Reporting to the 3 Major Credit Bureaus;
          • $0 Fraud Liability;
          • Low interest;
          • FICO® Score for Free Each Month.
        View all Secured Mastercard® details
        Apply now
        On Merrick Bank‘s site
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        First Progress Platinum Select Mastercard® Secured Synovus Bank
        Annual fee:
        $39 annually
        Regular APR:
        19.24% Variable
        Our Rating:
        3.5
        scorer
        Credit score
        No Credit History to Fair (0-669)
        • Rewards Rate:
          • 1% Cash Back on payments made to your First Progress Secured credit card account.
        • Issuer name:
          Synovus Bank
        • Details:

          The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

          The First Progress Platinum Select MasterCard® Secured Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.

          The card's APR: 19.24% (Variable for Purchases), 25.24% (Variable for Cash Advances).

          The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

          Read full review

        • Pros:
          • No credit history required
          • No Minimum Credit Score needed
          • Low Annual Percentage Rates
        • Cons:
          • Annual Fee
          • Foreign Transaction Fee
        • Benefits:
          • 1% Cash Back on payments made to your First Progress Secured credit card account;
          • Accepted Nationwide;
          • No Minimum Credit Score;
          • No Credit History Required.
        View all First Progress Platinum Select Mastercard® Secured details
        Apply now
        On First Progress’s site
        Card detail

        First Electronic Bank Destiny® Mastercard® best for Unsecured

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        Destiny® Mastercard® First Electronic Bank
        Annual fee:
        *see terms*
        Regular APR:
        35.90%
        Our Rating:
        1.47
        scorer
        Credit score
        No Credit History to Fair (0-669)
          • Issuer name:
            First Electronic Bank
          • Details:

            The Destiny® Mastercard® is a good credit card for people with poor or no credit.

            The Destiny® Mastercard® charges a high Regular APR of 35.90% and does not provide any intro APR offer.

            The card charges an annual fee of $75 for the first year ($99 thereafter).

          • Pros:
            • No monthly fees
            • Prior bankruptcies are acceptable
            • Liability protection
            • No security deposit required
          • Cons:
            • No reward
            • High-interest rates
            • No mobile app
            • Credit limit
          • Benefits:
            • Mastercard® benefits;
            • Fraud protection;
            • Reports to all three major credit bureaus.
          View all Destiny® Mastercard® details
          Apply now
          On First Electronic Bank‘s site
          Card detail
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          Divvy Cross River Bank
          Annual fee:
          $0
          Regular APR:
          None
          Our Rating:
          4.04
          scorer
          Credit score
          Fair to Excellent (580-799)
          • Rewards Rate:
            • 2x - 7x:
            • Points on restaurants.
            • 2x - 5x:
            • Points on hotels.
            • 1.5x - 2x:
            • Points on recurring software subscriptions.
            • 1x - 1.5x:
            • Points on everything else.
          • Issuer name:
            Cross River Bank
          • Details:

            The Divvy Card is a corporate credit card.

            The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

            Points can be redeemed for travel, gift cards, statement credits or cash back.

            Read full review

          • Pros:
            • No fees
            • Rewards
          • Cons:
            • No sign-up bonus
          • Benefits:
            • Unlimited creation of virtual cards;
            • Scalable credit line;
            • Employee cards for everyone;
            • Enforceable budgets;
            • Expense reports.
          View all Divvy details
          Apply now
          On Cross River Bank‘s site
          Card detail

          Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

          Chase Freedom Unlimited®
          Annual fee:
          $0
          Regular APR:
          20.49% - 29.24% Variable
          Our Rating:
          5
          scorer
          Credit score
          Good to Excellent (670-799)
          • Rewards Rate:
            • 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.
            • 1.5% Cash Back on all other purchases.
          • Intro Offer:
            • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
          • Purchase Intro APR:
            0% Intro APR for the first 15 months that your Account is open
          • Balance Transfer APR:
            20.49% - 29.24% Variable
          • Issuer name:
            Chase
          • Details:

            The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (20.49% to 29.24% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

            The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

            Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

          • Pros:
            • No Annual Fee
            • Generous rewards
            • 0% intro APR
            • Sign-up bonus
          • Cons:
            • Foreign Transaction Fee
          • Benefits:
            • 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.
          Card detail

          Citi Simplicity® best for 0 APR, Single mom

          Citi Simplicity®
          Annual fee:
          $0
          Regular APR:
          19.24% - 29.99% Variable
          Our Rating:
          3.5
          scorer
          Credit score
          Excellent (740-799)
          • Purchase Intro APR:
            0% Introductory APR for 12 months from date of account opening
          • Balance Transfer APR:
            19.24% - 29.99% Variable
          • Issuer name:
            Citi
          • Details:

            The Citi Simplicity® Credit Card is a no annual fee card that can be utilized for balance transfers and ultimately paying off debt. The card does not offer a rewards program

            The Citi Simplicity® Card offers an introductory 0% Intro APR on purchases for 12 months. Additionally, the card offers 0% Intro APR on balance transfers for 21 months from the date of the first transfer. After that, the APR will be 19.24% – 29.99%, based on your creditworthiness.

            The card has a balance transfer fee of $5 or 5 percent of the amount of each transfer, whichever is greater. Balance transfers must be completed within four months of opening the account. If you miss a payment, there is no late fee or penalty APR.

            The Card's Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card.

            Identity theft can happen to anyone. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track.

          • Pros:
            • 0% intro APR on Balance Transfers for 21 months
            • 0% intro APR on purchases for 12 months
            • No annual fee
            • No late fees or penalty rates ever
          • Cons:
            • No rewards system or sign-up bonus
            • Foreign transaction fee
          • Benefits:
            • $0 Fraud Liability;
            • 24/7 Customer Service;
            • Digital Wallets;
            • Citi® Identity Theft Solutions.
          Card detail

          Blue Cash Everyday® Card from American Express best for Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries

          Blue Cash Everyday® American Express
          Annual fee:
          $0
          Regular APR:
          19.24% - 29.99% Variable
          Our Rating:
          4.18
          scorer
          Credit score
          Good to Excellent (670-799)
          • Rewards Rate:
            • 3% Cash Back on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
            • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
            • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
            • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
          • Intro Offer:
            • $200 After you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
          • Purchase Intro APR:
            0% Introductory APR for the first 15 months from the date of account opening
          • Balance Transfer APR:
            19.24% - 29.99% Variable
          • Issuer name:
            American Express®
          • Details:

            The Blue Cash Everyday® Card from American Express offers up to $200 back after spending $2,000, all within the first 6 months. Plus, earn 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%), 2% Cash Back at U.S. gas stations and 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

            The Blue Cash Everyday® Card from American Express offers an introductory 0% APR on purchases and balance transfers for 15 months, followed by a variable APR of 19.24% to 29.99%.

            Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

            When you use your Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.

            Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

          • Pros:
            • No Annual Fee
            • Provides Gas and Grocery Rewards
            • 0% Intro Offer
            • Welcome Bonus
          • Cons:
            • Limited Redemption
            • Bonus Cash Backs Capped
            • Card not Ideal for Travelling Abroad
          • Benefits:
            • 3% Сash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%);
            • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%);
            • 2% Cash Back at U.S. gas stations on up to $6,000 per year in purchases (then 1%);
            • 1% Cash Back on all other purchases;
            • $200 back after spending $2,000 within the first 6 months (in the form of a statement credit);
            • Car Rental Loss and Damage Insurance;
            • 24/7 Global Assist® Hotline;
            • American Express Experiences;
            • Fraud Protection;
            • Pay It Plan It;
            • Additional Cards;
            • Terms Apply.
          Card detail

          American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

          Blue Cash Preferred® American Express
          Annual fee:
          $0 intro annual fee for the first year
          $95 for the rest years
          Regular APR:
          19.24% - 29.99% Variable
          Our Rating:
          5
          scorer
          Credit score
          Good to Excellent (670-799)
          • Rewards Rate:
            • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
            • 6% Cash Back on streaming (select U.S. streaming subscriptions).
            • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
            • 3% Cash Back at U.S. Gas Stations.
            • 1% Cash Back on other purchases.
          • Intro Offer:
            • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
          • Purchase Intro APR:
            0% Introductory APR for the first 12 months from the date of account opening
          • Balance Transfer APR:
            19.24% - 29.99% Variable
          • Issuer name:
            American Express®
          • Details:

            The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

            The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 19.24% - 29.99% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

            The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

            The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

          • Pros:
            • Excellent cashback bonuses
            • Generous intro APR on purchases
            • Great introductory bonuses
          • Cons:
            • Cashback cap
            • Annual fee
            • Foreign transaction fee
          • Benefits:
            • Earn $250 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.
          Card detail

          Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

          Chase Freedom Flex℠
          Annual fee:
          $0
          Regular APR:
          20.49% - 29.24% Variable
          Our Rating:
          5
          scorer
          Credit score
          Good to Excellent (670-799)
          • Rewards Rate:
            • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
            • 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.
          • Intro Offer:
            • $150 Earn a $150 bonus after you spend $500 on purchases in the first 3 months from account opening.
            • 5% Cash Back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year.
          • Purchase Intro APR:
            0% Intro APR for the first 15 months that your Account is open
          • Balance Transfer APR:
            20.49% - 29.24% Variable
          • Issuer name:
            Chase
          • Details:

            The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

            You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

            Earn a $150 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year.

            The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 20.49% - 29.24% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

          • Pros:
            • $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
          • Cons:
            • Foreign transaction fee
            • Rotating spending categories require activation
            • No intro APR on balance transfers
          • Benefits:
            • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
            • 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.
          Card detail

          Short Review of Best Credit Cards for Single Mom

          NameBest forRewards RateAPRApply
          Capital One SavorOne Cash Rewards Credit Card
          4.28
          Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
        • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
        • 1% Cash Back on all other purchases.
        • 19.74% - 29.74% VariableLearn more
          on our partner’s site
          Capital One Venture Rewards Credit Card
          3.43
          Travel, Daily use
        • 5x Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
        • 2x Unlimited 2X miles on every purchase, every day.
        • 19.99% - 29.99% VariableLearn more
          on our partner’s site
          Capital One Quicksilver Cash Rewards Credit Card
          4.49
          Cash Back, No Annual Fee, Daily use
        • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
        • 1.5% Cash Back on every purchase.
        • 19.99% - 29.99% VariableLearn more
          on our partner’s site
          Capital One QuicksilverOne Cash Rewards Credit Card
          3.6
          Fair credit
        • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
        • 1.5% Cash Back on every purchase.
        • 29.99% VariableLearn more
          on our partner’s site
          Capital One Quicksilver Secured Cash Rewards Credit Card
          3.54
        • 5% Cash Back on hotel and rental car purchases through Capital One Travel.
        • 1.5% Cash Back on every purchase.
        • 29.99% VariableLearn more
          on our partner’s site
          Capital One Platinum Secured Credit Card
          2.39
          Single mom, Without SSN
        • This card doesn't offer cash back, miles or points.
        • 29.99% VariableLearn more
          on our partner’s site
          First Access Visa® Card
          4.2
          Low income
        • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
        • 35.99%Apply now
          On the First Access Visa® Card secure website
          Celtic Bank Reflex® Platinum Mastercard®
          3.8
          Unsecured
        • This card doesn't offer cash back, miles or points.
        • 35.90% VariableApply now
          On Celtic Bank‘s site
          Total Visa® Card
          3.32
        • 1% Cash Back on all purchases.
        • 35.99% *Apply now
          On the Total Visa® Card secure website
          First Progress Platinum Prestige Mastercard® Secured Credit Card
          3.8
        • 1% Cash Back rewards on payments.
        • 15.24% VariableApply now
          On First Progress’s site
          First Progress Platinum Elite Mastercard® Secured Credit Card
          3.3
        • This card doesn't offer cash back, miles or points.
        • 25.24% VariableApply now
          On First Progress’s site
          Merrick Bank Secured Credit Card
          3.2
        • This card doesn't offer cash back, miles or points.
        • 22.70% VariableApply now
          On Merrick Bank‘s site
          First Progress Platinum Select Mastercard® Secured Credit Card
          3.5
        • 1% Cash Back on payments made to your First Progress Secured credit card account.
        • 19.24% VariableApply now
          On First Progress’s site
          First Electronic Bank Destiny® Mastercard®
          1.47
          Unsecured
        • This card doesn't offer cash back, miles or points.
        • 35.90%Apply now
          On First Electronic Bank‘s site
          Cross River Bank Divvy
          4.04
        • 2x - 7x:
        • Points on restaurants.
        • 2x - 5x:
        • Points on hotels.
        • 1.5x - 2x:
        • Points on recurring software subscriptions.
        • 1x - 1.5x:
        • Points on everything else.
        • NoneApply now
          On Cross River Bank‘s site
          Chase Freedom Unlimited®
          5
          Cash Back, 0 APR, No Annual Fee, Daily use
        • 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.
        • 1.5% Cash Back on all other purchases.
        • 20.49% - 29.24% VariableLearn more
          Citi Simplicity®
          3.5
          0 APR, Single mom
        • This card doesn't offer cash back, miles or points.
        • 19.24% - 29.99% VariableLearn more
          Blue Cash Everyday® Card from American Express
          4.18
          Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries
        • 3% Cash Back on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
        • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
        • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
        • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
        • 19.24% - 29.99% VariableLearn more
          American Express Blue Cash Preferred
          5
          Gas, Groceries, Streaming services, Daily use
        • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
        • 6% Cash Back on streaming (select U.S. streaming subscriptions).
        • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
        • 3% Cash Back at U.S. Gas Stations.
        • 1% Cash Back on other purchases.
        • 19.24% - 29.99% VariableLearn more
          Chase Freedom Flex℠
          5
          Cash Back, 0 APR, No Annual Fee, Daily use
        • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
        • 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.
        • 20.49% - 29.24% VariableLearn more

          Capital One SavorOne Cash Rewards Credit Card

          The Capital One SavorOne Cash Rewards Credit Card provides 3% unlimited cash back on such categories as entertainment, dining, grocery store purchases and 1% cash back on all other categories. New cardholders receive a $200 cash bonus after they spend $500 on purchases within the first three months since the opening of the account. No foreign transaction fee will also be a nice bonus should you decide to go on vacation abroad, as the card issuer doesn't charge for using this card in other countries. The credit card offers 0% introductory APR for purchases and transfers during the first 15 months from account opening ( after that 19.74% - 29.74% variable). It will allow you to save money while making large purchases. What’s more, the Capital One SavorOne Cash Rewards Credit Card does not have an annual fee.

          Read more about Capital One SavorOne Cash Rewards Credit Card

          Capital One Platinum Secured Credit Card

          This is a secured credit card for single moms who look forward to building or rebuilding their credit. By making the minimum required security deposit, you’ll be able to get an initial credit line of $200. Furthermore, should you prove yourself as a reliable cardholder you will have the opportunity to refund your deposit in the form of a statement credit. Keep your balance low and make on-time payments to improve your credit with this card. If you have bad credit or no credit, the Platinum Secured Mastercard® from Capital One is a good option for you due to relatively easy application requirements and the absence of an annual fee on the credit card. This credit card allows you to be considered for a better credit line in only 6 months.

          Read more about Capital One Platinum Secured Credit Card

          Chase Freedom Unlimited®

          The Chase Freedom Unlimited® Credit Card is a good choice for single moms who want their credit card to have balanced cash back and very straightforward card rules. If you and your child are traveler people, you’ll enjoy 5% cash back on travel purchased through Chase Ultimate Rewards programme. You can get 3% cash back for drugstores purchases, restaurants and takeouts, which can be useful for working single moms. Apart from that, with the Chase Freedom Unlimited® credit card you will earn 1.5% cash back on all other purchases. Moreover, the credit card offers an easy-reachable sign-up bonus with only $500 necessary to spend in the first three months of having the card to get $200. There is no annual fee on this card, making it even better. Finally, an extensive 15 month period of 0% APR on purchases and transfers can be very helpful for moms planning to make large purchases (20.49% - 29.24% variable after that).

          Read more about Chase Freedom Unlimited®

          Citi Simplicity®

          If you search for a perfect credit card to pay off your current credit card debt, the Citi Simplicity® Card is worth considering. Compared to other credit cards, Citi Simplicity® Card has fewer fees and penalties. The card does not have an annual fee and offers 0% intro APR on Balance Transfers (for 21 months) and Purchases (12 months). After the intro period ends, the variable APR is 19.24% - 29.99%. Additionally, Citi Simplicity® Card does not charge late fees, making the card ideal for people who may slip on timely payments.

          Read more about Citi Simplicity®

          Blue Cash Everyday® Card from American Express

          Blue Cash Everyday® Card from American Express® stands out compared to other cash back credit cards due to its extensive rewards system. You can get a stable 3% cash back at the U.S. supermarkets (on up to $6,000 spend per year) and department stores and 2% cash back on gas at the U.S. gas stations and the selected U.S. department stores. Furthermore, 1% cash back will be applied on all other purchases. This card earns $200 back after you spend $2,000 on purchases within 6 months of Card Membership. You will receive the $200 back in the form of a statement credit. Additionally, this card offers 0% intro APR on purchases for 15 months (19.24% - 29.99% after that) and does not charge an annual fee. All this makes Blue Cash Everyday® Card from American Express® an almost ideal card for single moms.

          Read more about Blue Cash Everyday® Card from American Express

          American Express Blue Cash Preferred

          The Blue Cash Preferred® Credit Card is considered one of the best cash back rewards credit cards for shopping at the U.S. supermarkets, with a 6% cash back rate of up to $6,000 a year in spending. In addition, 6% cash back also applies to eligible streaming services - but without any cap on it. Transit, including public transportation and taxis, and gas at U.S. gas stations are also two cash back categories that will earn you 3% cash back each. Finally, you’ll receive 1% cash back on all other purchases. Also, this card offers a $350 bonus once you spend $3,000 in purchases within the first 6 months of opening the account. As for non-cash back bonuses, this card offers 0% introductory APR for 12 months from the date of account opening (19.24% - 29.99% after) and waives annual fee for the first year ($0 intro annual fee for the first year , then $95 after that).

          Read more about American Express Blue Cash Preferred

          Chase Freedom Flex℠

          If you want to earn more with the rewards in both rotating and select spending categories, you should consider the Chase Freedom Flex℠ credit card. You can get 5% cash back on quarterly rotating bonus categories, 3% cash back on drugstores and dining, including restaurants, takeout and delivery services, and 5% cash back on travel purchased through Chase Ultimate Rewards. Chase Freedom Flex℠ credit card also offers 1% cash back on all other purchases. This credit card comes with a generous $200 sign-up bonus after spending $500 on purchases in the first 3 months. This sign-up bonus with a 0% introductory APR on purchases and transfers (20.49% - 29.24% Variable after) is a great combination for single moms planning to buy essential household items. Additionally, this card provides several bonuses from Chase partners, including Lyft, Fandango, Shoprunner, and DoorDash. Finally, no annual fee is always a nice bonus to have.

          Read more about Chase Freedom Flex℠

          How to compare credit cards for single parents

          To make a wise choice you need to analyze your financial situation and goals, typical monthly budget, and rewards preferences.

          Single parents, who have large purchases to be made in the near future, may be interested in cards with a low APR on purchases. On the contrary, if you are interested in paying off your existing debt, you need to pay attention to the credit cards with low or 0% APR on balance transfers. This card will allow you to transfer debt from one card to another without paying extra interest, which will ease the debt payment process.

          While choosing a credit card, pay attention to the bonuses that come with the card. Many cards offer cash back rewards on categories important to single parents: gas, dining, and drugstores. It will allow you to save money on these spendings. Several credit card issuers also offer generous sign-up bonuses for new users. These bonuses may also help you cover expenses.

          You should also check the eligibility criteria for the credit card, such as minimum income and credit score required before picking up a credit card to apply. Some credit cards have high requirements, so it may be better to choose more obtainable variants.

          Can I Build My Child’s Credit? At what age?

          One of the best ways to introduce children to the core of financial responsibility is by building a credit score for them. You can add a minor as an authorized user to your credit card account.

          As authorized users, your children could build their credit and establish a credit file. This step will require additional control from your side over your children’s spending. While your children need to be at least 18 to open their credit card account, they can become authorized users much earlier.

          icon-search

          Most credit card issuers don’t put any restrictions on the minimum age for authorized users, meaning you can add your child to your credit card account as early as you want (Bank of America, Capital One, Chase, Citibank, and Discover). Notable exceptions, which have a minimum age requirement, include American Express and Barclays (13 years old), Discover (15 years old), and U.S. Bank (16 years old).

          Can I Get a Credit Card if I’m Unemployed?

          Getting a credit card without having a stable job can be more challenging, but it’s certainly not impossible. You may be approved for a credit card if you have a fair credit history and an income stream that will allow you to make payments for your credit card.

          The Credit Card Act of 2009 expands the sources of the household income you can mention in your credit card application. You can list unemployment benefits, child support, alimony, and other sources to get a credit card.

          Even if your credit score is low, there are still ways for you to get a credit card. For example, you may apply for a subprime credit card. This type of credit card allows people to build their credit score.

          icon-search

          Good examples of subprime credit cards are Surge® Platinum Mastercard®, Total Visa® Card Card, The First Progress Platinum Elite Mastercard® Secured Credit Card.

          In case your income isn’t high enough, you should consider getting a secured credit card. Secured credit cards require a deposit, and this deposit determines your credit limit. Secured credit cards tend to have lower credit limits and assist you in building good credit habits.

          Alternatively, you can rely on your friends and family to get a credit card. You can become an authorized user on your friend’s or family member’s account. You will receive a credit card in your name, but it will be on their account. Remember that both an authorized user and a main cardholder may influence the cardholder’s credit score, depending on how they use the card. Another option includes getting a co-signer for your credit card. Contrary to becoming an authorized user, you will not be linked to their credit card account or credit score. The co-signer will be your backup if you won’t be able to make your credit card payments.

          How to increase my chances of credit card approval if I’m a single parent?

          If you are a single mom, being rejected for a credit card may have unpleasant consequences for your family. There are several steps you can take to avoid being rejected.

          First of all, you need to analyze your needs and opportunities. It’s vital to apply for credit cards that match your needs. It’s also necessary to critically assess your situation, including your credit score and income, and apply for a credit card if you meet the requirements introduced by the credit card issuer.

          Some credit card issuers, including Capital One, American Express, Discover, and Chase offer credit card pre-approval. This process allows you to check whether you meet the initial criteria for the credit card without hurting your credit score in case of rejection. The credit card issuer will prescreen you and inform you whether you pass the basic requirements for a particular credit card. It does not guarantee you’ll get the credit card in the end, but it’s still very helpful to weigh in on your opportunities.

          Secondly, you should be ready to prove your income sources. You may use bank statements, paystubs, cheques, and other documents to provide evidence of your income. Don’t hesitate to contact your credit card issuer and clarify what kind of documents you should present to prove your income. Remember that unstable or insufficient income is one of the most common reasons for credit card rejection.

          Finally, we advise you to look through the most common reasons why the banks don’t approve credit card applications. The most common reasons for rejection also include too many credit card applications in a short period, extended credit debt, and mistakes on credit card applications. By analyzing the most common grounds for credit card application rejection, you can prevent them from hurting your chances of getting a credit card.

          FAQ

          What are other credit cards to consider?

          We advise you to pay special attention to cash back rewards cards, as they allow you to earn cash back on the categories important to you. As a single mom, you are likely spending a significant part of your budget on supermarkets, buying food and necessary items for your home. There’s a number of credit cards with an exceptional focus on cash-back from the supermarkets. For example, by using Amazon Prime Rewards Visa Signature Card, you can earn cash-back from your purchases on Amazon and at Whole Foods. The Target Circle™️ Credit Card and the Costco Anywhere Visa® Card by Citi also offer a wide range of bonuses for purchases in Target and Costco, respectively.

          Can I Get a Credit Card in My Child’s Name?

          Some parents may look towards getting their child a credit card as early as possible. However, in the US, only people 18 years or older may open a credit card account. Violation of this law is considered credit card fraud and may lead to serious legal consequences.
          As an option, you can consider getting your children as authorized users to your credit card account. It will allow them to build their credit and establish their credit files.

          What is the best credit card with college savings benefits?

          It’s important to start saving for your children's education as early as possible, especially if you are a single mom. One of the best ways to do it is by opening a 529 college savings credit card. One of the best 529 credit cards on the market is the Fidelity® Rewards Visa Signature® Card. This card offers 2% cash back on purchases, allowing you an option to transfer points earned directly into a 529 college savings account opened with Fidelity.
          Hanna VolkavaHanna Volkava

          Financial and product expert

          hv@myfin.us