A great credit card for online shopping will help you buy anything you need from the comfort of your home and save time by avoiding crowds. These cards offer substantial bonuses to shopping online or through the portal, and provide maximum returns on your spending. To find the best card for your needs, consider where and how to shop and see which cards will give you the most rewards.
Compare the best credit cards for online shopping
Using a credit card that’s the best for online shopping will allow you to earn rewards for your spending while offering additional perks. Here are some of the best options to suit your online shopping needs.
| Card name | It’s perfect for | Highlights | Bankrate score |
|---|---|---|---|
| Prime Visa | Buy on Amazon.com |
|
4.2 |
| Bank of America® Customized Cash Reward Credit Card | Flexibility |
|
4.3 |
| American Express Blue Cash Everyday® Card | Daily expenses |
|
4.6 |
| Discover IT® Cashback | Rotation Category |
|
4.4 |
| Chase SapphirePreferred® Card | Buy online travel |
|
4.9 |
| InstacartMasterCard®* | Buy online grocery |
|
4.1 |
How to Choose the Best Credit Card for Online Shopping
Online shopping can cover many categories and rewards. This means that many reward credit cards can offer a variety of benefits. These points can help you consider and choose when searching for the ideal credit card for your online shopping needs.
- Find out your shopping habits. Know which stores and websites you spend most when shopping online. You can narrow your search to cards and provide the most rewards to the merchants and categories that shop the most.
- Select a card with Types of rewards You want to make money. You will need to determine whether you need cashback, travel reward points, or benefits and discounts related to a particular store.
- Compare perks and features. See what other benefits the cards you are considering offering will bring. A welcome offer is a good place to start. Next, look into whether there are recurring perks such as statement credits, travel insurance, and additional perks such as high-value transfer partners.
- Decide whether paying the annual fee is worth the cost. The annual fee assesses how valuable the card’s profit and reward rates are and determines whether costs can be justified. If you’re offering benefits at the height of the bonus category or if you shop frequently, you can come out first. However, I would like to revisit this equation regularly to determine if there are any remaining values in progress.
Maximize your rewards when shopping online
In addition to choosing the right credit card for online shopping, there are many other ways to maximize your reward. Consider these options and consider purchasing additional points or savings online.
- Shopping Portal: Before you shop online, consider the shopping portal. There is a portal where you can earn cashback, airline miles, or other rewards that you accumulate on purchases based on your spending. You can earn these rewards in addition to rewards you earn with your credit card. All websites offer a variety of bonuses for shopping through the portal. For example, you might find a site that offers 3 points per dollar spent on a particular site. Sites like Cashback Monitors can help you search and compare sites that offer the best rewards.
- Card Link Offer: Many credit card issuers have card-related offers that you can activate before shopping on the site or in-store. They usually have conditions like “use $50 to get back $10” and “earn three times more points per dollar up to $100.” You can use these savings or extra points to purchase the rewards you earn and the shopping portal.
- Loyalty Program: If you shop frequently with retailers who offer loyalty programs, you should participate. When you sign up, you often get an email coupon for a decent discount. In most cases, you can participate for free. You can get additional incentives such as bonus rewards and discounts, milestone rewards, and birthday presents.
What’s next?
Check these bank rate tools to match them to the next card.
Conclusion
The best credit card for online shopping will increase the rewards of online purchases. It also offers generous welcome bonuses, intro APR offers and other valuable perks and benefits. In many cases, you can find additional ways to stack additional rewards along with these bonus revenues. Plus, when you shop online with a credit card instead of a debit card, you get the greatest protection against fraudulent purchases. However, it is essential to remember your spending habits when searching for the best card for you.
FAQ
*InstacartMasterCard® and Prime Visa information is collected independently by Bankrate. Details of these cards have not been reviewed or approved by the issuer.
