Terms apply. The catch? A sizable annual fee. Families can rack up serious cash back. The annual fee is a whopper, but if you spend at least $31 a week at the supermarket, you'll cover it.

It earns eye-popping rates at some of the biggest brands in America, including Amazon, Target and Walmart, plus 3% back in other popular categories. But there's a rewards cap and an annual fee ...

Nancy Keates is a reporter covering real estate, architecture and design for The Wall Street Journal. She has also covered travel, art, education and family issues. Before joining the Journal, she ...