Having a great credit card comes with a ton of benefits, such as the ability to build your credit score, protection against fraud, and of course, rewards like cash back and miles!
There are literally hundreds of Credit cards out there, and you’ve probably seen dozens of ads daily on tv, online, or even in the mail. But which of them are the best credit cards for stay at home moms?
We know it’s tough to choose. That’s why we have asked so many stay at home moms that are using different credit cards, and in the article and based on their reviews, we will look at the 7 Best Credit cards for stay at home moms.
So let’s Get started.
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Top 5 Credit Cards For Stay At Home moms
Here are the Top 5 Credit Card for stay at home moms:
1. Citi Custom Cash Credit Card:
The city custom cash has no annual fee, which right there is a great feature to start for anyone that hates paying for a credit card, and it’s a really unique earning structure.
As the custom cash card gets 5% Cashback each monthly billing cycle on whatever your highest spend category is across one of ten categories which include:
- Gas stations
- Grocery stores
- Streaming services
- Drug stores
- Home improvement stores
- Fitness clubs and live entertainment.
So the best trick to use This credit card most effectively is to actually think of using it as a dedicated one-category card. So you will get 5% cash back on your high spending category.
Now current, Citi Promotions is offering a $200 sign up bonus, so if you want to start your spending with a Citi custom cash credit card, then you must read our article on Citibank.
2. Chase Freedom Flex:
The Chase Freedom Flex is the best no annual fee credit card out there. Because it does give you a lot of value with several earnings categories and benefits now to start off with this card, its current promotion offers a $200 sign up bonus.
This bonus is received in the form of 20 000 chase ultimate rewards points, which can be redeemed for Cashback at a value of one cent per point for $200, or you can turn those 20 000 points into upwards of $400 worth of travel or more.
By combining the freedom flex with a card like a chase sapphire preferred, which I’ll quickly touch on next year. The freedom flex welcome bonus right now. The chase is currently offering 5% Cashback on gas for your first year on up to $6,000 of spending.
The freedom flex is also gonna be a solid card for everyday spending since It gets five percent back on up to fifteen hundred dollars of spending each quarter in rotating categories that are going to change every three months. These categories are decided by the chase.
Right now, for q2 of 2022, they include amazon purchases, and for q1, they included grocery store purchases, so usually, chase gives you some good ways to earn 5% cash back.
You will also get:
- 5% Cashback on travel booking.
- 3% Cashback on dining.
- 3% Cashback at drugstores
- 1% Cashback on all other purchases.
3. Chase Sapphire Preferred Credit Card:
The chase sapphire preferred is honestly a no-brainer card to get in terms of getting a lot of easy value, and it’s one of the best in this list of Best credit cards for stay at home moms as it has no foreign transaction fees.
But it has a $95 annual fee; however, it also has a standard welcome bonus of 60 000 chase ultimate rewards points that are worth $750 towards travel book through the chase portal thanks to a 25 points boost feature.
So the $750 – $95 fee is $655 here, which is great, and the Chase Sapphire is preferred as an easy and sort of risk-free way to get a ton of value upfront.
4. Capital One Venture X:
Capital one venture x is more focused on people that like to travel maybe a few times per year. The Best thing about this credit card is that it’s actually going to be much easier to justify getting this premium travel card as compared to some other options out there, and that’s because, first of all, even though the venture x comes with an annual fee of $395 per year that seems pretty high at first that’s still significantly cheaper than its two main competitors the $550 chase sapphire reserve and the $695 Amex platinum card.
But on top of a cheaper annual fee, capital one also gives you a $300 annual travel credit that you can use to book things like flights, hotels, and car rentals in the capital one travel portal.
5. Discover It Cashback:
This is a credit card that’s very common for people to get very early on in their credit journey because of how easy discover makes it to get approved for beginners, and even though this definitely is a beginner-focused credit card, the value you can get from this card, especially in the first year of having it is pretty tough to beat.
Discovery card kind of works like the chase freedom flex because it also gets 5% Cashback in rotating quarterly categories on up to $15 in spending each quarter.
Now, like the freedom flex, these rotating categories are very useful and normal categories that a lot of people are going to spend money on for everyday expenses like gas, groceries, restaurants, and Amazon.
The best thing about the Discover it card is that even though there’s no upfront welcome bonus like some of the other cards but there’s still a great cashback match offer where Discover will literally match you dollar for dollar whatever Cashback you earn in your first year of having this card so if you maxed out that 5% Cashback on up to $15 dollars in spending in those categories each quarter for your first year that means you would earn three hundred dollars of cash back.
How to apply for a credit card as a stay at home mom?
Applying for a credit card can be a stressful experience because there’s no guarantee that you’re going to get approved.
In fact, if you have a weak credit score or no credit history at all, you’re very likely to get denied for most credit cards you apply for. But of course, that kind of leads to the obvious question of ‘how are you supposed to get a credit card when it needs a credit score, but to get a credit score, you need a credit card?
If you don’t have a good credit score, you’ll need to find a credit card that’s targeted to people in your exact situation. Typically, this means getting either a student credit card or a secured credit card.
One of the Best student credit cards we will suggest to you is Zolve, and it has lots of benefits and features you can read in our article. Zolve Credit Card Review
The application process itself is generally pretty simple:
- There will be an “Apply Now” button somewhere on the page.
- Click on it, and it’ll take you to a form where you fill out basic.
- Information about yourself such as your name, your address, your social security, and also information about how much income you have.
- After you submit your application, you might get instantly approved, but oftentimes you’ll have to wait a week to send you a mail that tells you you’re approved and gives you your card.
- The letter you receive in the mail will generally tell you your APR, or annual percentage rate, and your credit limit, which is how much you can spend on the card every month.
- There are also usually activation instructions for how to set up your card.
- At this point, you want to link your bank account and set it up so that it automatically pays the full statement balance every month.
- As long as you’re automatically making the full payment every month, you’ll never get charged interest or fees for being late on your payment.
- Lastly, there will be a minimum payment on the statement, which tells you the minimum you have to pay to not get charged a late fee.
First, credit card debt is a very real problem, and it’s a hard problem to get out of, so don’t even put yourself in that situation by only buying what you can already afford without a credit card.
But still, if you get stuck in the situation, then you must read this How Rich women Makes Money With Debt.
Being organized about your finances is important for stay at home moms. We hope you liked these Credit cards for stay at home moms, and if you want to maximize your cash back earnings along with your credit card, then you must read the article on the Latest cash back sites and Apps that Pay.