5 Best Rewards Cards for Your Massive Daycare Bill

If you’re looking for ways to rack up rewards through regular spending, why not take a look at your daycare bill? You’re probably paying a lot for care, so it makes sense to look for ways to benefit. Provided you can pay your daycare bill with a credit card every month (and pay it off), this strategy could help you rack up a ton of rewards with little effort on your part.

But, how much rewards can daycare help you earn? It depends on where you live and how much you spend. In Alabama, for example, in an article from the Visual Capitalist reported that on average, full-time daycare for an infant worked out to $1,039/month or $12,472/year . In middle-of-the-road states like Colorado and Delaware, average daycare bills worked out to $1,404/mo ($16,848/yr) and $1,096/mo ($13,152), respectively. In Massachusetts, on the other hand, full-time care for an infant worked out to $20,724. In the District of Columbia, prices are absurd at $22,944 annually for full-time care. That’s a big difference!

5 Rewards Cards to Use for Your Huge Daycare Bill

While the amount of rewards you’ll earn by paying your daycare bill with credit depends on how much you spend, several cards really set the bar for ideal rewards in this category. With any card on this list, you’ll earn valuable travel rewards or cash-back you can use.

Chase Freedom Unlimited®

The Chase Freedom Unlimited® card is a smart option to use for your daycare bill. Not only do you earn unlimited 1.5% cash back on every bill you pay, but this card doesn’t charge an annual fee. You can redeem your points for cash-back, travel, gift cards, or merchandise. If you also have a premier Chase travel card like the Chase Sapphire Preferred® Card, you will also have the option to pool your points in your Preferred account for upgraded travel redemption's.

With the Chase Freedom Unlimited®, you can enjoy 15 months (from account opening) of 0% intro APR on all new purchases. This gives you over a year to pay down your balance before the regular APR kicks in. After that 15-month period, a variable APR of 19.49% - 28.24% applies.

Atlas Rewards Credit Card

The Atlas Rewards Credit Card is a smart option if you’re mostly looking for cash back. This card offers up to 3% cash back on gas, food delivery, coffee shops and more. This card does not charge an annual fee and reports to all three credit bureaus.

Here’s how much cash back you could earn on your annual daycare bill in each of these states:

• Alabama: $374 in cash back
• Delaware: $394 in cash back
• Colorado: $505 in cash back
• Massachusetts: $621 in cash back
• District of Columbia: $688 in cash back

Imagine® Visa® Credit Card

The Imagine® Visa® Credit Card is another no-brainer you can use to rack up cash back on your daycare bill. This card is great for those with Fair/Poor credit scores. With a low annual fee of $99, you may be eligible for a line of credit up to $1,000, subject to credit approval.

The Imagine Visa also allows you to earn up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments and 1% Cash Back Rewards on all other eligible purchases.

Here’s how much cash back rewards you could earn on your daycare bill in each of these states:

• Alabama: $374 in cash back
• Delaware: $394 in cash back
• Colorado: $505 in cash back
• Massachusetts: $621 in cash back
• District of Columbia: $688 in cash back

Mission Lane Cash Back Visa® Credit Card

If you’re angling for unlimited cash back, the Mission Lane Cash Back Visa® Credit Card is another good option to consider. This card offers unlimited 1-1.5% cash back on all purchases, however, each cardholder receives their own customized cardholder agreement upon approval. With no annual fee, be automatically considered for a higher credit line in as few as 7 months. And, there is no interest on purchases when you pay in full and on time each month.

Earn up to the following in cash back rewards each year from your daycare bill in these states:

• Alabama: $124 - $187 in potential cash back
• Delaware: $131 - $197 in potential cash back
• Colorado: $168 - $252 in potential cash back
• Massachusetts: $207 - $310 in potential cash back
• District of Columbia: $229 - $344 in potential cash back

As an added perk, you'll get free, online credit score access for cardholders and access your account anytime, anywhere with their mobile app!

Aspire® Cash Back Rewards Mastercard

A final card to consider for a big daycare bill is the Aspire® Cash Back Rewards Mastercard. This card offers a 3% cash back reward on gas, groceries, and utilities, as well as 1% on all other eligible purchases you make every day. Like a few others on this list, this card also offers up to $1,000 credit limit subject to credit approval.

Here’s how much you could earn:

• Alabama: $374 in cash back
• Delaware: $394 in cash back
• Colorado: $505 in cash back
• Massachusetts: $621 in cash back
• District of Columbia: $688 in cash back

Final Thoughts

If you’re looking for a way to earn more rewards over time, don’t forget to use your favorite rewards credit card for regular bills. By charging things like utility bills, college tuition, and insurance payments to your credit card, you can earn more rewards over time.

Daycare bills offer another way to rack up huge rewards. But, like other bills on this list, it’s only smart to charge them to a credit card if you can pay your bill in full every month and avoid interest. Last but not least, make sure your daycare provider doesn’t levy a surcharge for using your credit card each month.