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The Top 5 Best Credit Card Offers for Single Parents

Single parents or single moms have to work hard to bring home all the bacon while also doing all the child raising. To make this more affordable, you should get a credit card that rewards you each time you swipe.

Whether you’re looking to pay off debt or need a card for emergencies, even with low income or government benefits, compare credit card options for single parents.

If you’re a single parent, a credit card could be a convenient way to free up cashflow between paydays or to help manage financial emergencies.

It is always important to consider your financial situation and needs before applying for a credit card. If you’re looking for a card to use in case of emergencies, for example, you might want to consider one with low or no annual fees.

If you plan on using your card to make regular repayments while carrying an outstanding balance, one with a low interest rate could be more suitable. If you have debt to pay off, on the other hand, a low or 0% balance transfer offer could be a useful way to pay down your balance without incurring additional interest.

Note that most of these cards have a minimum income requirement of at least $15,000 and require applicants to have a good credit history, so you’ll need to make sure you meet the eligibility criteria before you apply.


Here are our top five credit card offers for single parents:

#1. Blue Cash Preferred® Card from American Express: Best for gas and supermarket spending

If you primarily spend on gas and groceries, the Blue Cash Preferred® Card from American Express is a great card. It offers 6% cash back at U.S. supermarkets (up to $6,000 in spending — then 1%), 3% back on gas and department stores, and 1% back elsewhere.


There’s also a sign-up bonus: Limited Time Offer: Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. Terms Apply.

The Blue Cash Preferred® Card from American Express has an annual fee of $95 and an introductory APR of 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 13.74% – 23.74% Variable APR.


#2. Amazon Credit Card: Best for Amazon shopping

Single parents or single moms, there’s something on Amazon you want or need. The Amazon Credit Card offers 3x points on every dollar spent on purchases, 2x points on gas, restaurants and drugstores, and 1 point on everything else. Rewards are redeemable for purchases on in any amount. There’s also a sign-up bonus: an Gift Card will be instantly loaded into your account upon the approval of your credit card application.

The card’s annual fee is $0. Remember when you use the Amazon Credit Card that the high rewards rate only applies on purchases from itself, not from other retailers or dealers who post items for sale on

The Amazon Credit Card, also known as the Amazon Rewards Visa, offers 3% back on Amazon purchases, 2% back at gas stations, restaurants and drugstores, and 1% back on everything else. Though you can use the card anywhere that takes Visa, rewards are redeemable only at Amazon.


#3. Citi Double Cash: Double Rewards on Everything, No Fee

Citi_doubleCiti offers you rewards twice. First, you get 1% cash back when you make a purchase. Then, you get another 1% cash back as you pay it off. All with no annual fee and no spending cap. If you pay off in full each month, you’ll get both rewards at the same time. That lets you earn rewards twice as good as standard reward cards.


If you like to maximize things and want to earn more rewards in special spending categories, consider pairing this with one of the no fee cards we list below.


#4. Honorable Mention: 2% Fidelity Rewards Visa Signature, No Fee

Fidelity provides no annual fee 2% cash rewards on purchases if you deposit the cash you earn into a Fidelity account. But you don’t need to have any stocks or investments to have an account.


Fidelity has no fee cash accounts where you can deposit your rewards, then withdrawal when you’re ready to spend. Be aware this card is designed for people with Excellent credit, while the Citi Double Cash might be easier to get.


Wells Fargo Cash Wise Visa Credit Card

  • Earn $150 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • Cash rewards don’t expire as long as your account remains open
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Credit Card
  • Select “Apply Now” to learn more about the product features, terms, and conditions


Purchase intro APR – 0% for 12 months

Balance transfers intro APR – 0% for 12 months

Regular APR – 13.74% – 25.74% (variable)

Annual fee – $0

Credit Needed – Excellent/ Good


#5. Citi Simplicity Card

The only card with No Late Fees, No Penalty Rate, and No Annual Fee… ever.

0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.24% – 24.24% based on your creditworthiness.

There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

The same great rate for all balances, after the introductory period.

Save time when you call with fast, personal help, 24 hours a day – just say “representative”

Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.



Purchase intro APR – 0% for 21 months

Balance transfers intro APR – 0% for 21 months

Regular APR – 14.24% – 24.24% (variable)

Annual fee – $0

Credit needed – Excellent/ Good

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