Are you looking for Best Credit Cards for Online Shopping? If Yes, You are at the right place.
In this article, we are sharing all this information about Best Credit Cards for Online Shopping.
Shopping online is made easy with the best credit cards for online shopping because you can shop whenever and wherever you want, without having to fight crowds and save time and energy. It is even possible to order groceries and household essentials online and have them delivered to your front door. Unsurprisingly, online stores are gaining market share with all of these benefits.
There are several credit cards that can help you enjoy rewards and perks while you shop online, so you’ll be happy to know there are plenty of options to choose from. Shoppers could benefit from paying with a card that allows them to get something more if they are already shopping online.
According to a study, you need to use the right credit card for your purchases to avoid missing out on valuable rewards and protections. American online shoppers spend over $5,300 annually, so you could be losing out if you need to use the right credit card for your purchases.
The perfect credit card does not exist, but some credit cards are better suited to certain online shopping categories. There may be a card that earns points, miles, or cash back for shopping at a specific retailer, such as Amazon, while another may earn additional rewards if you place an order for food delivery. Additionally, when making larger purchases, you should consider a card’s built-in coverages, such as purchase protection or extended warranties.
If you are looking for Best Credit Cards for Online Shopping, these are the best options:
|Prime Visa Card||Read Details|
|Blue Cash Everyday Card from American Express||Read Details|
|Bank of America Customized Cash Rewards Credit Card||Read Details|
|Chase Sapphire Preferred Card||Read Details|
|Wells Fargo Active Cash Card||Read Details|
What Is Credit Cards for Online Shopping?
- 1 What Is Credit Cards for Online Shopping?
- 2 Types of Credit Cards for Online Shopping
- 3 Top 5 Best Credit Cards for Online Shopping
- 3.1 Prime Visa Card
- 3.2 Blue Cash Everyday Card from American Express
- 3.3 Bank of America Customized Cash Rewards Credit Card
- 3.4 Chase Sapphire Preferred Card
- 3.5 Wells Fargo Active Cash Card
- 4 Video of Best Best Credit Cards for Online Shopping
- 5 Features & Benefits of Best Credit Cards for Online Shopping
- 6 What To Look For in Best Credit Cards for Online Shopping
- 7 Best Credit Cards for Online Shopping Features
- 8 Best Credit Cards for Online Shopping Tips
- 9 Best Credit Cards for Online Shopping for Those With Bad Credit or No Credit
- 10 FAQs
Credit cards are universal when it comes to paying for purchases, including when shopping for merchandise and services. Some credit cards offer specific shopping benefits, such as enhanced rewards or purchase protections. A credit card with benefits specific to your shopping habits may be an excellent option if you do a lot of shopping in stores or online.
Types of Credit Cards for Online Shopping
You can earn rewards points, discounts, and other benefits when you shop for particular products or at certain stores with Credit Cards for Online Shopping. Within this list of credit cards, there are several types of Credit Cards for Online Shopping.
There are several types of Best Credit Cards for Online Shopping:
Credit Cards with Co-Branding
A co-branded shopping credit card like the Prime Visa Card results from a partnership between a bank and a specific brand. When shopping at certain retail outlets or brands, you receive added benefits, such as cashback.
Credit Cards that Offer Cashback on Shopping
Credit cards in this category provide cashback rewards for purchases in specific categories such as groceries, gas, and online shopping. There are differences between cards based on the issuers and the cashback categories.
Credit Cards with Rewards for Shopping
The rewards points you earn from your purchases within certain categories are double or more with these credit cards. Rather than just redeeming points for travel bookings, you can also use them to purchase gadgets and other products and services.
Credit Cards for Stores
There is a specific retailer that issues these credit cards. Those programs offer discounts, rewards, or other perks to customers who shop at a particular retailer’s store.
Credit Cards for Travel Shopping
Various perks can be obtained with shopping credit cards designed for travel, including discounts on accommodations, tickets, rentals, and more. These credit cards’ bonus benefits are complimentary baggage and travel insurance.
Top 5 Best Credit Cards for Online Shopping
Getting the best credit cards for online shopping allows you to earn rewards on your purchases while receiving other benefits. Check out our picks for the Credit Cards for Online Shopping to help you get the most out of your virtual shopping.
Here are the list of Top 5 Best Credit Cards for Online Shopping –
Prime Visa Card
Amazon Prime Visa is ideal for people who are already Amazon Prime members and do a lot of online shopping. The credit card offers a solid set of benefits for a card with no annual fee and excellent earning rates. The 5% reward rate on Amazon and Whole Foods is fantastic for Prime members who frequently shop. Prime Visa cards come with 2% rewards categories and Visa Signature benefits.
The Prime Visa may offer better rewards for some of your online shopping, but it may be worth it if you frequently shop on Amazon. You can earn 5% cash back on purchases from its website with its flagship credit card, which also gives you an instant $150 Amazon gift card once you apply for it. This is not just an Amazon credit card, so you can use it for anything you need daily.
Pros & Cons of Prime Visa Card
- Get 5% cash back when you shop at Amazon and Whole Foods
- The welcome bonus does not require any spending
- Fees for foreign transactions are not charged
- Protections for travel and shopping
- A Prime membership is required
- There is no introductory APR of 0%
- Cashback on non-bonus category purchases is low
Blue Cash Everyday Card from American Express
You can earn cash back from online shopping with the Blue Cash Everyday Card from American Express. If you spend $6,000 or more in U.S. online retail on the card, you will get 3% back (then 1% back). The card offers 0% intro APR for 15 months from the date of account opening on purchases and balance transfers (19.24% – 29.99% APR afterward) and special financing offers for balance transfers and purchases.
A Blue Cash Everyday account can also benefit streaming and meal delivery services. The cardmember gets $9.99 back in statement credit after spending $9.99 or more on an eligible subscription each month to qualify for the Home Chef credit and the Disney Bundle credit. This card offers up to 90 days of purchase protection against damage and theft.
Pros & Cons of Blue Cash Everyday Card from American Express
- Spend at least $1,000 on purchases within three months of opening the account to receive $200 in online cash rewards.
- You can select online shopping as your highest earning category on this card, but there are also other options. Online shoppers appreciate options.
- No annual fee is always a good thing for us.
- Online shopping earns 3%, but the combined spending cap of $2,500 per quarter in your choice category/grocery/wholesale club purchases is rather discouraging. A higher spending cap or no spending cap would be preferred.
- It’s certainly nice to be a Preferred Rewards client, but the bar to advance is relatively high – it starts at a balance of $20,000 across all eligible accounts over three months.
Bank of America Customized Cash Rewards Credit Card
You can choose between gas, online shopping, dining, travel, drugstores, home improvement, and gas. This makes Bank of America® Customized Cash Rewards credit cards unique among rewards credit cards. When you shop with online retailers throughout the year, you’ll earn 3 percent back.
This card also offers 2 percent back on purchases at grocery stores and wholesale clubs, but remember that you must spend at most $2,500 in combined categories in a quarter to earn 3 percent and 2 percent back.
You will earn less than you used to, but you will get 1 percent back for every purchase over that limit and 1 percent back on every purchase that wasn’t a bonus spending. As an additional benefit, within 60 days of account opening, cardholders will enjoy a 0 percent intro APR (after which a variable APR ranging from 18.24 percent to 24.24 percent will apply).
The card doesn’t charge an annual fee, and rewards can be redeemed for statement credits or direct deposits into eligible Bank of America and Merrill accounts. There is also a $200 welcome bonus after spending $1,000 on purchases within 90 days of opening the account. A Bank of America Preferred Rewards membership also allows you to earn 25 percent to 75 percent more rewards.
Note – When choosing a credit card for groceries and gas, it is important to consider your spending habits and the rewards that are most valuable to you. If you spend a lot of money on groceries and gas each month, consider a card that offers bonus rewards in these categories.
Pros & Cons of Bank of America Customized Cash Rewards credit card
- A 25% to 75% increase in cashback is available to Bank of America Preferred Rewards clients
- Monthly option to change 3% bonus category
- Earning potential for rewards is decent
- A fee for foreign transactions
- There is a quarterly cap on bonus rewards
- Fees for balance transfers are high
Chase Sapphire Preferred Card
Chase Sapphire Preferred Card is an excellent choice for online travel purchases because you earn 5X points on Chase Ultimate Rewards and Lyft rides until March 2025. Added to that, you’ll earn three times as many points when you spend money on dining, select streaming services, and online grocery purchases (excluding Walmart, Target, and wholesale clubs); two times as many points when you spend money on general travel, and one time on everything else. Using the Chase shopping portal, customers can earn bonus points when they shop and pay with their Chase cards.
On your credit card statement, travel purchases will show as travel, so you can earn bonus rewards on any purchase that shows up as travel. Additionally, you’ll earn Chase Ultimate Rewards points, which you can redeem for gift cards, statement credits, cash back, merchandise, travel through the Chase portal, or 1:1 transfers to Chase airlines or hotels. The value of your points will be 25 percent higher when redeemed through Chase for travel.
You’ll have to pay $95 annually when you sign up, but the sign-up bonus alone can help offset this cost – after spending $4,000 within three months of opening your account, you’ll receive 60,000 bonus points. You can redeem that for $750 in travel using Chase Ultimate Rewards.
Pros & Cons of Chase Sapphire Preferred Card
- Purchasing travel and dining can earn you points worth two points per dollar, which can help you save money during your travels.
- Chase Ultimate Rewards members can earn 2 points per dollar on Lyft rides booked through the program, which can be a great way to save money on transportation.
- Spend $4,000 on purchases within 3 months of opening your account to earn 60,000 bonus points.
- There are no foreign transaction fees, so you can save money and redeem your points for statement credits, travel, and gift cards.
- An annual fee of 95 dollars is charged.
- There is a high APR of 17.49% – 24.49%, which is higher than many other travel rewards cards.
- This card requires good credit to qualify.
- The Chase Sapphire Preferred Card is popular, but not everyone might be a good fit for it.
Wells Fargo Active Cash Card
Wells Fargo Active Cash Card is the perfect choice for those who do not want to be restricted by categories. There is an unlimited 2% cashback offer on all purchases. Cardholders can redeem their rewards for cash, gift cards, account credits, or gift cards; the rewards don’t expire.
The card has no annual fee, just like the previous ones on the list. You can also transfer your balance or make purchases with no interest for 15 months. This card is more suitable for Americans who plan to shop in the U.S. due to the 3% foreign transaction fee.
Spend at least $500 in the first three months, and the card will give you a $200 welcome bonus. Wells Fargo Active Cash Card only offers a few extra benefits and doesn’t offer purchase protection. Still, the card does offer zero-liability cell phone protection against damage or theft if the monthly cellphone bill is paid with the card. A contactless payment option is available, and voice or two-step verification can be enabled at sign-in.
Pros & Cons Wells Fargo Active Cash Card
- Cash rewards of 2% on all purchases are unlimited.
- There is no annual fee.
- Benefits of cell phone protection
- A fee is charged for balance transfers
- Foreign transaction fees apply
- There are no travel transfer partners
Video of Best Best Credit Cards for Online Shopping
Features & Benefits of Best Credit Cards for Online Shopping
You need to know the features and benefits of your Credit Cards for Online Shopping beforehand if you want to make the most out of it. Here are some of the common benefits offered by Best Credit Cards for Online Shopping.
Here are the some Features & Benefits of Best Credit Cards for Online Shopping –
The rewards you earn when you use a shopping credit card can be used to pay for shopping, movie tickets, dining, and more. You can purchase or avail of the products/services you like by redeeming these points.
Your shopping credit card may give you welcome benefits through vouchers or rewards.
Fuel Surcharge Waiver
If you use this type of credit card to fill fuel, you won’t be charged a surcharge based on your total bill.
If you use a shopping credit card, you will get discounts or offers on online purchases and dining bills, among other things.
Furthermore, shopping credit cards may offer fraud liability insurance and contactless tap-and-go payments. A virtual credit card, which is a one-time use credit card, can also be generated for online transactions. As they are only valid for one transaction, these cards offer an added layer of security.
What To Look For in Best Credit Cards for Online Shopping
The following factors should be considered when choosing Best Credit Cards for Online Shopping:
- Rewards. When choosing a credit card, remember the places you shop most frequently and select one that offers the best rewards for them.
- Fees. The most affordable card for balance transfers, foreign transactions, and annual fees is the one you choose.
- Annual Percentage Rate (APR). Choose a credit card with a low annual percentage rate to avoid paying high-interest rates.
- Requirements. Ensure you qualify for a credit card before applying; some require a higher credit score than others.
- Digital wallet compatibility. Choose a credit card compatible with your digital wallet if you use it for shopping.
Best Credit Cards for Online Shopping Features
Your point of view makes a difference. There may be features that you love but other cardholders dislike. However, if you love shopping online, you may be interested in a credit card offering these benefits. We should note that these features often work just as well for shopping in-store while we’re discussing online shopping.
Best Credit Cards for Online Shopping Tips
Check Your Credit Score before Comparing Cards
It’s important to note that good or excellent credit is required to approve the best credit cards for online shopping. A credit score of 700 or higher is required for approval. It is still possible to get great options even with lower scores. Knowing your credit score before you begin looking for a great deal with high approval odds is vital.
Have Clear Intentions for What You’ll Use the Card for
Your credit card comparison will be more effective if you know what features matter most. Choosing the cards that will give you the most rewards is possible if you purchase from a particular retailer’s website or for a particular category of purchases. If you are primarily interested in the initial bonus of a credit card, you may not need to consider its ongoing features.
Consider Retailer-Affiliated Credit Cards
Several kinds of credit cards can be used for online shopping, but store cards and co-branded cards from major retailers are some of the best because they usually have no annual fees and offer great rewards. There are often cards associated with your favorite brands, too, and most are approved with just fair credit.
Be Careful not to Overspend
The temptation to shop online can be strong, but going over your budget can be costly. You’ll likely rack up high-interest charges unless you have a low-interest promotion.
Best Credit Cards for Online Shopping for Those With Bad Credit or No Credit
If you have a good or no credit history, you may need help finding a reward-earning credit card. If you are looking for credit cards to help you rebuild or build your credit, keep going because we have compiled a list. Here are some of the best credit cards we recommend for no credit or poor credit.
Which is the Best Credit Card for Offline Shopping?
You can use several types of shopping credit cards for offline shopping, according to your needs and usage. Your eligibility and the offers on the card will help you decide which card is right for you.
Is it Safe to Buy Products Online with a Credit Card?
The use of a credit card for online purchases is safe. The payment gateways on every known e-commerce website keep your transactions secure. Most online transactions also require a One-time Password (OTP) to verify purchases, adding another security layer.
What is the Best Credit Card to Use for Online Purchases?
It’s important to find a credit card that earns rewards that align with your buying habits and earns the type of rewards you prefer.