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The Most Affordable Cash Back Credit Cards for Busy Parents

Motley Fool
2024-10-15

KEY POINTS

  • The Chase Freedom Flex® offers 5% cash back on rotating categories like gas stations and wholesale clubs.
  • Prime Visa gives 5% cash back on Amazon and Whole Foods purchases, ideal for frequent shoppers.
  • The Citi Double Cash® Card provides straightforward rewards on purchases -- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, as a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25..

Let's be real -- managing a family budget can feel like trying to juggle flaming torches while riding a unicycle. Between the never-ending grocery runs, gas station pit stops, and the constant stream of new expenses (seriously, how do kids grow out of shoes so fast?), it's a lot to handle.

But here's the good news: the right cash back credit card can make your life much easier and even put a little extra cash back in your pocket. Think of it as getting a gold star for adulting! So, let's dive into some of the best cash back credit cards that are tailor-made for busy parents like us.

1. Chase Freedom Flex

Ratings Methodology
2024 Award Winner

Chase Freedom Flex®

Apply Now for Chase Freedom Flex®

OnChase'sSecure Website.

Rating image, 5.00 out of 5 stars.
5.00/5Circle with letter I in it.Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5Circle with letter I in it.Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score:Circle with letter I in it.Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Flex®

OnChase'sSecure Website.

Credit ScoreCircle with letter I in it.Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APRCircle with letter I in it.0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

20.49%-29.24% Variable

RewardsCircle with letter I in it.5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual FeeCircle with letter I in it.N/A

$0

Welcome OfferCircle with letter I in it.Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus.Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

The Chase Freedom Flex stands out for its rotating bonus categories, making it an excellent choice for parents who can adapt their spending to maximize rewards. This card earns 5% cash back on up to $1,500 combined quarterly spending in categories that change every three months. These categories often include popular family expenses like gas stations and wholesale clubs. You'll also get 5% back on travel purchased through Chase, 3% on dining and drugstore purchases, and 1% on other purchases.

The card's structure requires you to activate the bonus categories each quarter, but this small effort can lead to significant rewards for organized parents. With no annual fee, a generous intro APR on purchases and balance transfers, and a $200 bonus after spending $500 in the first 3 months, this card is a versatile and valuable option for families.

2. Prime Visa

Ratings Methodology

Prime Visa

Apply Now for Prime Visa

OnChase'sSecure Website.

Rating image, 4.00 out of 5 stars.
4.00/5Circle with letter I in it.Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5Circle with letter I in it.Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score:Circle with letter I in it.Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Prime Visa

OnChase'sSecure Website.

Credit ScoreCircle with letter I in it.Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.74% Variable

RewardsCircle with letter I in it.Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases

1% - 5% back

Annual Fee

$0

Welcome OfferCircle with letter I in it.Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $150 Amazon Gift Card

  • If you have an Amazon Prime account, do we have the card for you! This one is part of Chase's lineup, and earns a whopping 5% cash rewards on Amazon, Whole Foods, and Amazon Fresh purchases. Best of all, that cash back is available to you as soon as the next day -- so if you make frequent Amazon purchases and have a Prime membership, you'll easily save.Read Full Review

    • Big Amazon and Whole Foods rewards
    • Instant Amazon gift card
    • No annual fee
    • Consumer and travel protections
    • No 0% intro APR offer
    • Requires Prime membership
    • Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
    • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
    • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
    • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
    • Earn unlimited 1% back on all other purchases
    • No annual credit card fee
    • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
    • Member FDIC

If your family relies on Amazon Prime for quick deliveries and Whole Foods for groceries, the Prime Visa is a perfect match. This card offers 5% cash back on Amazon.com and Whole Foods Market purchases, translating into substantial savings for frequent shoppers. It also gives 2% back at restaurants, gas stations, and on local transit and commuting, ensuring you earn rewards on a wide range of everyday expenses.

Although the card has no annual fee, an Amazon Prime membership is required, which costs $139 per year. However, for families already using Prime, this card enhances the value of your membership with significant cash back opportunities, making it an easy call for Amazon loyalists.

3. Citi Double Cash

Ratings Methodology

Citi Double Cash® Card

Apply Now for Citi Double Cash® Card

OnCiti'sSecure Website.

Rates & Fees

Rating image, 4.50 out of 5 stars.
4.50/5Circle with letter I in it.Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5Circle with letter I in it.Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score:Circle with letter I in it.Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Fair to Excellent (580-850)
Apply Now for Citi Double Cash® Card

OnCiti'sSecure Website.

Rates & Fees

Credit ScoreCircle with letter I in it.Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair to Excellent (580-850)

Intro APRCircle with letter I in it.N/A

Purchases: N/A

Balance Transfers: 0%, 18 months on Balance Transfers

Regular APR

18.74% - 28.74% (Variable)

RewardsCircle with letter I in it.Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, as a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

2% cash back

Annual FeeCircle with letter I in it.N/A

$0

Welcome OfferCircle with letter I in it.Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$200

  • This card combines a top-notch balance transfer offer with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges.Read Full Review

    • High cash back
    • 0% intro APR balance transfer offer
    • No annual fee
    • Free credit score monitoring
    • Foreign transaction fee
    • No 0% intro APR on purchases
    • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

      Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
    • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

The Citi Double Cash® Card is ideal for parents who prefer simplicity in their rewards structure. This card offers a straightforward Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, as a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.. This no-fuss approach makes it easy to earn rewards without having to think about bonus categories or spending limits.

This card provides excellent value with no annual fee and a welcome bonus of $200 (worth $200) after spending $1,500 in the first 6 months.

Additionally, it features a generous intro APR on balance transfers, giving families flexibility to manage their finances. However, it does come with a 3% foreign transaction fee, which might be a consideration for families who travel abroad.

4. Amex Blue Cash Preferred

Ratings Methodology
2024 Award Winner

Blue Cash Preferred® Card from American Express

Apply Now for Blue Cash Preferred® Card from American Express

OnAmerican Express'Secure Website.

Terms apply

Rates & Fees

Rating image, 4.50 out of 5 stars.
4.50/5Circle with letter I in it.Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5Circle with letter I in it.Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score:Circle with letter I in it.Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Blue Cash Preferred® Card from American Express

OnAmerican Express'Secure Website.

Terms apply

Rates & Fees

Credit ScoreCircle with letter I in it.Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

APR

18.74%-29.74% Variable

RewardsCircle with letter I in it.6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

1%-6% Cash Back

Annual Fee

$0 intro annual fee for the first year, then $95.

Welcome OfferCircle with letter I in it.Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

  • This card offers market-leading cash back at U.S. supermarkets. The welcome bonus and intro APR offer sweeten the deal. Terms apply. If you spend a lot on groceries (excluding wholesale clubs and superstores like Costco and Walmart), this card is worth considering.Read Full Review

    • Big welcome offer
    • U.S. supermarkets rewards
    • U.S. gas stations rewards
    • Streaming subscription rewards
    • Travel and purchase protections
    • Annual fee
    • Foreign transaction fee
    • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations.
    • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
    • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
    • Terms Apply.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.• Please visit americanexpress.com/benefitsguide for more details.• Card Members are responsible for the costs charged by third-party service providers.• Extended warranty, purchase protection warranty, and car rental loss & damage insurance underwritten by AMEX Assurance Company.

Busy parents know how quickly grocery and gas expenses add up. Enter the Blue Cash Preferred® Card from American Express, a powerhouse for everyday spending. This card offers 6% cash back at U.S. supermarkets (on up to $6,000 of spending per year, then 1%), 3% back at U.S. gas stations and on transit, and 6% on select U.S. streaming subscriptions. Terms apply.

This card has a $0 intro annual fee for the first year, then $95. (See rates and fees.) But the savings can easily surpass this cost if you spend over $31 on groceries weekly. New cardholders can earn a $250 statement credit after spending $3,000 in the first 6 months. Terms apply.

5. Discover it® Cash Back

The Discover it® Cash Back card is similar to the Chase Freedom Flex®, featuring rotating 5% cash back categories on up to $1,500 in purchases each quarter (activation required). These categories can include essential spending areas for families, offering substantial savings when timed right. One of the standout features is Discover's cashback match welcome offer: Discover will match all the cash back you’ve earned at the end of your first year.

This cash back credit card also boasts no annual fee and offers a lower ongoing APR, making it a budget-friendly option. However, to maximize its benefits, you need to stay on top of the rotating categories and spending limits, which might be restrictive for those with higher budgets.

Whether you're a grocery store warrior, an Amazon aficionado, or just someone who wants to keep things simple, there's a credit card out there that can help you get the most bang for your buck.

Remember, the right card can do more than just earn you rewards; it can also make your financial life a little less hectic. And let's face it, anything that can do that deserves a place in your wallet. Happy spending, and may the cash back be ever in your favor.

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