BACK

Videos

Video: Planning for a baby with the right card

Summary

Babies bring love, joy – and bills. Strategize early how you’ll pay those bills to make the transition easier and help you bank some much-needed credit card rewards in the process

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Babies bring love, joy – and bills. Strategizing how you’ll pay those bills ahead of time can make the transition easier and help you bank some much-needed credit card rewards in the process.

Here are a few tips that will help you get the most out ouf your credit card as you welcome the new member of your family.

1. Use a great rewards card for doctor and hospital bills.

The biggest chunk of money you’ll spend will likely be on doctors and hospital bills, making choosing the right rewards card crucial. Go for a card with generous cash back offer. Several cards in today’s market now offer an unlimited 2 percent back on all your purchases.

2. Pick the right card for your new lifestyle.

If you’re used to collecting travel rewards, consider if you’ll be needing all those airline points in the near future. With a baby, you may be more homebound and find a cash back card more useful. Or, if you anticipate having a balance on your card, go for a 0 percent interest card so you don’t have to worry about extra costs as you’re worrying about an extra mouth to feed.

3. Find the right retail card to save big.

If you’re not a fan of retail cards, you’re not alone. But this is one time where they can save you a lot money as you purchase a stroller, bassinet, crib, baby monitor, car seat and other big-ticket items. Find a retailer that offers a great discount for all of your purchases with the store card, not just when you sign up.

4. Find stores that reward for registries.

Register with as many retailers as possible, since many baby stores will offer the parents an extra discount for purchases if they are registered. Sites like Amazon will offer you an extra 15 percent discount if you end up buying everything that is left on your registry.

As you spend more time cuddling and kissing, it will feel extra comforting to know your card is delivering a little gift of its own as you embark on the journey of parenthood.

See related:Learn how to maximize card rewards for family fun, saving, Video: 3 ways to help your kids build credit

What’s up next?

In Videos

Video: Black Friday survival guide

Black Friday means deep discounts, large crowds, and hectic environments. Use these tips to help you survive the madness.

Published: November 10, 2017

See more stories
Credit Card Rate Report Updated: June 19th, 2019
Business
15.61%
Airline
17.54%
Cash Back
17.68%
Reward
17.57%
Student
17.79%

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.