Hey @abdelfila, welcome to the Community.
Hope you are doing great!
You need to for just one account and invite your other family members to the Family plan.
If you want to use 2 different Family plans, then yes, you can use that credit card to pay for them 🙂
Read this FAQ about Premium for Family for more information about it.
Payment methods vary depending on your country and what type of subscription you’re looking to enroll in. To see a list of the different methods available to you, check out your subscription page. To read more, you can check out this FAQ page.
Please note that for discounted offers like the student discount or Spotify Family, only debit/credit cards are accepted forms of payment. Other options like gift cards, etc., are not available for these plans.
Have a nice day 🙂
Note: I moved your post to a more appropriate board 🙂