Online shopping cards are specifically tailored to people who spend the majority of their money on online shops rather than visiting the store physically.
Online shopping carts give you unique perks and rewards when you shop online rather than using the card at a specific store. They will also give you perks when you want to book travel online including car rentals, airline tickets, and hotel rooms.
They also usually offer rewards and cashback when you physically use the card at stores as well as when you shop online. This allows you to use the card everywhere.
Card | Rewards | Bonus | Annual Fee | ||
|---|---|---|---|---|---|
| 1% – 5%
5% cash back on purchases in two categories of your choice (up to $2,000 in combined purchases per quarter, then 1 percent). 5% back on prepaid air, hotel, and car reservations through the Rewards Center. 2% cash back on one choice everyday category. 1% back on all other purchases
| $200
$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
| $0 | ||
| 1X – 4X
4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
| 60,000 points
60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
| $325 (Rates & Fees) | ||
| 1.5% – 5%
5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
| $200
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
| $0 | ||
| 1% – 4%
unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
| $300
$300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
| $95 | ||
| 1% – 5%
5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
| None
None
|
$0 | ||
| 1-4%
4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
| None
| $0 ($60 Costco membership fee required)
$60 Costco membership fee required
| ||
| 1-5%
5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
| $100
$100
| $0 ($139 Amazon Prime subscription required)
$139 Amazon Prime subscription required
| ||
| 1-5%
5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted
| 5%
5% cash back for the first 12 months when you use your card with Walmart Pay for in-store purchases, upon approval
| $95 |
Target Red Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
Most people are big Target shoppers, but this card is a must for those that buy everything at target including groceries, clothes, and other items. You can use the credit card in-store or online to receive cashback.
All your Target online purchases receive 5% off and there is no annual fee for using the card. You can also get 30 extra days for returns and exchanges. When you do online shopping, you always get 2 free day shipping. You also get exclusive deals online when you buy special items or shop during promotional periods.
- Rewards Plan: 5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
- APR: 29.95% (Variable)
- Annual fee: $0
- Balance Transfer Fee: Unknown
- Foreign Transaction Fee: $0
- Sign Up bonus: None
- 0% APR Introductory Rate: None
- No Annual Fee
- Extended Returns
- High Cashback on Target
- Free Delivery
- Exclusive Offers, Combined Discounts
- High APR
- No Sign-Up Bonuses
- Too Niche
Apple Credit Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Apple Card, a collaboration between Apple and Goldman Sachs on the Mastercard network, presents a compelling rewards program, especially for avid Apple Pay users.
This no-annual-fee card offers 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases. The card stands out with innovative security features, debt management tools, and a unique numberless titanium physical card.
Despite its strengths, the Apple Card has limitations. It lacks a welcome bonus, and its 1% cash back on non-Apple or non-Apple Pay purchases may be uncompetitive compared to other rewards cards.
The card requires Apple hardware and Apple Pay for optimal benefits, and the physical titanium card must be requested separately. While it offers interest-free financing on select Apple products, it falls short in providing broader rewards compared to competitors.
- Rewards Plan: 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
- APR: 15.99% – 26.99% Variable
- Annual fee: $0
- Balance Transfer Fee: N/A
- Foreign Transaction Fee: $0
- Sign Up bonus: N/A
- 0% APR Introductory Rate period: N/A
- Innovative Security Features
- Daily Cash Access
- Apple Card Family Account Sharing:
- Apple Products Interest-Free Financing
- Apple Savings Account
- Low Cash Back Outside Apple Ecosystem
- Requirement for Apple Hardware
- No Welcome Bonus
- Apple Pay Dependency
How do I apply for the Apple Card?
You can apply through the Wallet app on your iPhone, and if approved, you can use the card immediately.
How can I redeem the cash back earned with the Apple Card?
Cash back, known as “Daily Cash,” can be used for purchases, transferred to friends via Messages, used to pay your card bill, or added to a savings account.
Can I access my cash-back earnings immediately after making a purchase?
Yes, Daily Cash is accessible the day after a qualifying purchase is made.
How can I track my spending with the Apple Card?
The app provides color-coded spending categories and a visual “spending wheel” to help users analyze their spending habits.
Does the Apple Card offer additional benefits beyond cash back?
It provides features like Apple Pay-dependent rewards, unique card design, and access to Mastercard benefits like Priceless experiences and ID theft protection.
Can I use the Apple Card for purchases outside of Apple Pay?
Yes, the physical titanium card can be used, but purchases made with it only qualify for 1% cash back.
Is the physical titanium card automatically sent upon approval?
No, users need to request the physical card separately.
Macy’s American Express® Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Macy's Amex Credit Card, accompanied by the Star Rewards program, offers limited benefits and raises concerns about its overall value
Earning rewards with the Macy's Credit Card requires substantial spending. Platinum status, offeringspend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else. Rewards, in the form of Star Money, expire within 30 days and require 1,000 points for a $10 reward.
The card's extra benefits, including a birthday gift, free shipping for Gold and Platinum members, and exclusive offers, lack significant allure. The welcome bonus and the rewards structure seem disproportionately tied to extensive spending at Macy's.
- APR: 31.99% variable
- Rewards Plan: spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else[/sc]
- Annual fee: $0
- Balance Transfer Fee: N/A
- Foreign Transaction Fee: 3%
- Sign Up bonus: 25% discount on Macy's on the day you are approved and the following day, up to $100
- 0% APR Introductory Rate period: N/A
- Instant Rewards
- Birthday Gift
- Shipping for Gold and Platinum Members
- Exclusive Offers
- Limited Welcome Bonus Duration
- Required Spending for Higher Tier Rewards
- High Regular APR
What are the major drawbacks of the Macy’s Credit Card and its Star Rewards program?
The card lacks significant benefits, and substantial spending at Macy’s is required to unlock meaningful rewards.
How can I apply for a Macy’s Credit Card or Macy’s American Express Card?
Click “Apply Now” above to access the online credit application, and if approved for both, you can choose the card you prefer.
Which bank issues the Macy’s Card?
Citibank, N.A. is the issuer of both the Macy’s Credit Card and the Macy’s American Express Card.
Can I use my Macy’s Card anywhere?
The Macy’s Credit Card is for Macy’s purchases, while the Macy’s American Express Card can be used both at Macy’s and wherever American Express cards are accepted.
What are the different levels of the Macy’s Star Rewards program?
The levels are Silver, Gold, and Platinum, achieved by spending thresholds, offering increasing benefits
What are the extra benefits of the Macy’s Amex Credit Card?
Exclusive offers, free shipping for Gold and Platinum members, and a birthday surprise for qualifying cardholders.
TJX Rewards Platinum Mastercard
Reward details
5x back on purchases within the T.J Maxx group including Marshalls, Homesense and HomeGoods. 1x cash back on all other purchases
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The TJX Rewards® Platinum Mastercard®, issued by Synchrony Bank, is geared towards bargain hunters frequenting TJX stores like T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense.
While not ideal as a primary card, it offers perks such as 5x back on purchases within the T.J Maxx group including Marshalls, Homesense and HomeGoods. 1x cash back on all other purchases, and the potential to earn $10 reward certificates for every 1,000 points
Redeeming rewards is limited to T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores, with certificates expiring after two years.
- APR: 32.24% variable
- Rewards Plan: 5x back on purchases within the T.J Maxx group including Marshalls, Homesense and HomeGoods. 1x cash back on all other purchases
- Annual fee: $0
- Balance Transfer Fee: N/A
- Foreign Transaction Fee: $0
- Sign Up bonus: 10% off your first purchase at T.J Maxx using the card
- 0% APR Introductory Rate period: N/A
- No Annual Fee
- Rewards And Welcome Bonus
- Exclusive Shopping Events
- Flexible Credit Score Requirement
- Limited Redemption Options
- High APR
- Expiration of Reward Certificates
Can I accumulate rewards on purchases made outside of the United States?
Yes, rewards are earned on purchases made both within and outside the United States.
Can I use the TJX Rewards® Platinum Mastercard® at locations other than TJX stores?
Yes, the Platinum Mastercard version can be used anywhere that Mastercard is accepted.
How can I redeem the reward certificates earned with this card?
Reward certificates can be redeemed for purchases at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense in-stores or online.
What benefits does the TJX Rewards® Platinum Mastercard® offer beyond rewards?
The card provides standard Mastercard benefits, including $0 liability protection, global services, and ID theft protection.
My Best Buy Visa® Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Best Buy credit card is best suited for frequent Best Buy shoppers seeking rewards on purchases. It offers a 5% back in rewards on shopping at BestBuy, 3% back in rewards on gas purchases, 2% back in rewards on dining, takeout and grocery purchases, 1% back in rewards on everyday purchases.
The card provides a 10% back welcome bonus on the first day of purchases and features special financing options for Best Buy purchases. However, its benefits are limited to the Best Buy ecosystem, with rewards redeemable only at Best Buy, and it lacks purchase protection and extended warranty coverage.
Special financing options are available for Best Buy purchases, but the deferred-interest model can be costly if the balance isn't paid in full within the specified period.
- APR: 15.99% – 31.49% variable
- Rewards Plan: 5% back in rewards on shopping at BestBuy, 3% back in rewards on gas purchases, 2% back in rewards on dining, takeout and grocery purchases, 1% back in rewards on everyday purchases
- Annual fee: $0
- Balance Transfer Fee: $15 or 5%
- Foreign Transaction Fee: N/A
- Sign Up bonus: 10% back in rewards on your first day of purchase
- 0% APR Introductory Rate period: N/A
- High Cash Back on Best Buy Purchases
- Special Financing Options
- Bonus Rewards Categories
- No Annual Fee
- Limited Redemption Options
- Deferred Interest Model
- No Purchase Protection or Extended Warranty
How do I achieve Elite Plus status with the Best Buy credit card?
You can achieve Elite Plus status by making $3,500 in purchases in a calendar year with your My Best Buy® Visa® Card or spending $3,500 at Best Buy with any credit card.
How long is the deferred interest period for special financing deals?
The duration varies based on the purchase amount, ranging from 12 to 36 months for eligible items.
Can I close my Best Buy credit card account anytime?
Yes, but if you close the account, you have 90 days to redeem any remaining rewards.
Can I earn rewards on Best Buy purchases online and in-store?
Yes, the card rewards apply to both online and in-store Best Buy purchases.
What are the benefits of achieving Elite Plus status with the Best Buy credit card?
Achieving Elite Plus status unlocks additional benefits, potentially increasing the rewards rate on Best Buy purchases.
Are there annual fees for the Best Buy credit card?
The My Best Buy® Visa® Platinum Card (this card) has no annual fee, but the My Best Buy® Visa® Gold Card has a $59 annual fee.
BJ’s One+™ Mastercard®
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The BJ’s One+™ Mastercard®* is a credit card tailored for frequent BJ’s shoppers, offering a compelling rewards structure with 5% cash back on BJs Purchases, 2% cash back on other purchases. Despite the absence of an annual fee, applicants must maintain an annual $110 BJ’s Club+ membership, a requirement for card eligibility.
The rewards system allows cardholders to accumulate unlimited rewards, which can be redeemed in $10 increments toward BJ’s in-store and online purchases, excluding certain restricted categories.
While the BJ’s One+™ Mastercard® is advantageous for dedicated BJ’s shoppers, its limitations, such as the mandatory BJ’s Club+ membership and exclusive rewards redemption at BJ’s, may make it less appealing for general use.
- APR: 20.24% – 30.24% variable
- Rewards Plan: 5% cash back on BJs Purchases, 2% cash back on other purchases
- Annual fee: $0 ($110 Club+ Membership required)
- Balance Transfer Fee: 3%
- Foreign Transaction Fee: $0
- Sign Up bonus: None
- 0% APR Introductory Rate period: N/A
- Cash Rewards And Welcome Bonus
- Gas Discount
- No Foreign Transaction Fees
- BJ’s Club+ Membership Requirement
- Limited Rewards Redemption
Can I redeem rewards for purchases outside of BJ’s?
No, rewards can only be redeemed for BJ’s in-store and online purchases.
Can I use the card for mobile wallet transactions to earn rewards?
No, mobile wallet transactions are ineligible for rewards bonuses.
What is the minimum credit line issued to successful applicants?
The minimum credit line is $1,000 for successful applicants.
How are rewards posted to the cardholder’s account?
Rewards are posted to the Club+ account at the end of each statement cycle.
Are there promotional financing opportunities available with the card?
Yes, customers may be offered promotional financing opportunities with specified terms.
Costco Anywhere Visa® Card by Citi
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Costco Anywhere Visa® Card by Citi is one of the best cards to have if you want a card that gets you specific perks to Costco. You can use it for any purchase at Costco including gas.
You also get cashback every time you make a purchase from Costco whether it’s online or in person. As long as you have a Costco membership, you also get to use this card without an annual fee. You also get cashback when you make purchases online to restaurants, department stores, and bakeries.
- Rewards Plan: 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
- APR: 20.49% (Variable)
- Annual fee: $0 ($60 Costco membership fee required)
- Balance Transfer Fee: 3% or 5$
- Foreign Transaction Fee: $0
- Sign Up bonus: None
- 0% APR Introductory Rate period: N/A
- Cashback on Costco, Gas, Restaurants and Travel and Other Spending
- No Annual Fee
- No Foreign Transaction Fee
- Extended Manufacturer Warranty, Travel Perks
- Redemption Restrictions
- No Sign-Up Bonus or 0% APR Introductory Rate
- There are Better Cashback Cards
- High APR
What’s the initial credit limit?
The initial credit limit for the Costco Anywhere visa is $500, but some cardholders have been offered an initial limit as high as $10,000.
What are the top reasons not to get the Costco card?
The top reason to not get the Costco Anywhere card is if you can get better rewards on a different tier card. There are some cards out there that offer 5% on one or two categories, which provides greater flexibility.
How’s the card customer service availability?
Citi has phone lines that are open 24/7, so you can access support at any time.
How much should I spend to cover the card fees?
There is no annual fee, However, you do need to have a Costco membership for the Costco Anywhere, but presumably, you’ll already have this covered.
Is it hard to get the Costco card?
To qualify for the Costco Anywhere card, you must have excellent credit and a low income-to-debt ratio.
Can I get pre approved?
Citi does not support Costco Anywhere card pre-approval. You'll need to fill out a full application, which will include a hard credit pull.
Amazon Prime Rewards Visa Signature Card
Reward Details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
If you do most of your shopping on Amazon and at Whole Foods, the Amazon Prime Rewards Visa Signature card is a decent option for you. It’s also easy to use as you can simply choose to make purchases with your account balance when you are on the checkout page.
You can also use the card for Amazon Gift Cards, Amazon Fresh Orders, Amazon Prime subscriptions, and items sold by third parties as long as they’re on the Amazon marketplace. This allows you to use the card to purchase millions of items that are sold on Amazon.com.
- Rewards Plan: 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
- APR: 19.49% – 27.49% Variable
- Annual Fee: $0 ($139 Amazon Prime subscription required)
- Balance Transfer Fee: $5 or 5%, whichever is greater
- Foreign Transaction Fee: $0
- Sign Up bonus: $100 Amazon gift card upon approval
- Sign-Up Bonus
- Cash Back at Supermarkets & Gas Stations
- No Annual Fee
- Extended Warranty on Purchases
- Amazon Prime subscription required
- Balance Transfer Fee
- Foreign Transaction Fee
- Minimum Redemption Amounts
Does the card have a rewards limit?
The Amazon card doesn't have a rewards limit, so you can earn cash back on all of your purchases. It has a tiered structure, so even purchases that are not on Amazon can still earn you some cash back.
Does anyone can get the Amazon card?
you’ll need good to excellent credit for the Amazon Prime Rewards card. Although your income will be one of the factors assessed during your application, your credit score will be a more important consideration.
Can you get pre approved
There is no pre approval option for the Amazon Prime Rewards card. This means that you’ll need to complete a full application and this will trigger a hard pull on your credit.
What’s the initial credit limit I'll get?
The Amazon Prime Rewards card has a minimum initial credit limit of $500. The exact amount can be much higher but it mainly depends on your credit score.
How long does approval take?
If you don’t get an instant decision after you submit the online application form for the Amazon Prime Rewards card, you may be waiting two to four weeks.
What are the top reason not to get the Amazon card?
The top reason not to get the Amazon Prime Rewards card is that you don’t tend to spend a lot with Amazon or Whole Foods.
Sam's Club Mastercard
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Sam’s Club Mastercard is a great card for Sam’s Club shoppers. It has very competitive cashback rewards and benefits in some spending categories.
Sam’s Club Mastercard offers 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases. The rewards categories do not change and are great for those who spend a lot on gas and traveling and who are Sam’s Club members.
The card does not have a foreign transaction fee or annual fee as long as you are a Sam’s Club member (Membership starts at $45 a year). This card can be used anywhere Mastercard is accepted, not just at Sam’s Club.
- APR: 20.40% or 28.40% Variable
- Annual fee: $0 ($50/$110 for Club/Plus membership – MUST)
- Balance Transfer Fee: N/A
- Foreign Transaction Fee: N/A
- Rewards Plan: 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
- Sign Up bonus: $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
- 0% APR Introductory Rate period: N/A
- Cash Back on Gas, Restaurants and Travel & Other Spending
- No Annual Fee
- Higher cashback on Sam's Club purchases
- Redemption Restrictions
- No Sign-Up Bonus or 0% APR Introductory Rate
- Rewards Cap
Capital One Walmart Rewards® Credit Card
Reward Details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Capital One Walmart Rewards® is the best card to have if you are a big Walmart shopper. You will get cashback on all purchases through Walmart.com whether it’s food, clothes, or other items. You also get other perks such as discounted delivery fees.
The points you earn on the card can be used to get statement credits or you can redeem them for travel. You can also get gift cards from Walmart and other qualifying retailers. There’s also not an annual fee, so you don’t have to worry about making that money back.
- APR: 17.99% – 28.99% (Variable)
- Annual fee: $0
- Balance Transfer Fee: 3%
- Foreign Transaction Fee: Unknown
- Rewards Plan: 5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted
- Sign Up bonus: 5% cash back for the first 12 months when you use your card with Walmart Pay for in-store purchases, upon approval
- 0% APR Introductory Rate period: N/A
- Cash Back Rewards
- No Annual Fee
- Fraud Protection
- Sign Up Bonus
- Free FICO Score
- Better Cashback Cards
- Foreign Transaction Fee
- Walmart Network Only
- High APR
Top Offers
Top Offers
How to Pick the Right Shopping Card?
Choosing the right online shopping card involves considering various factors to ensure it aligns with your preferences, needs, and financial goals. Here's a step-by-step guide to help you pick the right online shopping card:
- Identify Your Needs: Determine the purpose of the card. Are you looking for a card for regular online purchases, gift-giving, or building credit?
- Check for Rewards and Discounts: If you're looking for additional perks, check whether the card offers rewards, discounts, or cashback for online purchases. Some online shopping cards are affiliated with specific retailers, providing exclusive benefits.
- Examine Acceptance and Limitations: Check where the card is accepted. Some online shopping cards are limited to specific websites or retailers, so ensure it aligns with your preferred online shopping destinations
- Check for Customer Reviews: Research customer reviews and testimonials to gauge the satisfaction and experiences of other users with the online shopping card provider. This can provide insights into potential issues and customer service quality.
- Compare Multiple Options: Don't settle for the first option you come across. Compare different online shopping cards, considering their features, fees, rewards, and limitations. This can help you make an informed decision.
- Consider Your Credit Score: Some online shopping cards may have specific credit score requirements. Ensure that you meet these requirements to increase your chances of approval.
Pros & Cons Of Online Shopping Cards
Pros | Cons |
|---|---|
High Cashback | Limited Acceptance |
Exclusive Discounts | Fees and Charges |
Loyalty Programs | Expiration Dates |
Instant Approval | Lack of Rewards |
Gift Card Options | Limited Credit Building |
Good For Fair Credit | Impulse Spending |
- High Cashback
Online shopping cards usually offer high cashback (at least 5%) on its own brand. This is high compared to other cashback cards.
- Exclusive Discounts
Some online shopping cards offer exclusive discounts, promotions, and cashback rewards when used on specific websites or with particular retailers, providing cost savings for users.
- Loyalty Programs
Some online shopping cards are linked to loyalty programs that reward users for frequent purchases, offering additional benefits such as points, discounts, or free shipping.
- Instant Approval
Unlike traditional credit cards that may take time for approval, many online shopping cards offer instant approval, allowing users to start making purchases almost immediately.
- Gift Card Options
Online shopping cards are often available in the form of gift cards, making them suitable for gifting purposes and providing recipients with the flexibility to choose their preferred items.
- Good For Fair Credit
Usually,you don't need an excellent credit to grt approved for an online shopping card, making them accessible to much mor people.
- Limited Acceptance
Online shopping cards may have limitations on where they can be used, restricting users to specific online retailers or a network of affiliated merchants.
- Fees and Charges
Some online shopping cards may come with fees, including activation fees, maintenance fees, or transaction fees, reducing the overall value for users.
- Lack of Rewards
While some online shopping cards offer rewards, others may not provide the same level of benefits, such as cash back or travel rewards, as traditional credit cards.
- Expiration Dates
Certain online shopping cards have expiration dates, meaning users must use the funds within a specified timeframe, or the card may lose its value.
- Limited Credit Building
For users looking to build or improve their credit history, online shopping cards may not always report to credit bureaus, limiting their effectiveness in building credit.
- Impulse Spending
The ease of online shopping with these cards can lead to impulse spending, as users may be more tempted to make unplanned purchases.
How to Save Money With Shopping Cards?
There are many different ways you can save money with online shopping credit cards. Knowing the following tips and tricks will help you to know how to use the credit card to maximize the perks:
- Try using the card during promotional deals. Credit cards often offer extra perks or more cashback to certain stores during certain time periods. You can use the card during this time to earn more cashback.
- Shop at the right places. Some credit cards offer more cashback at local stores or online retailers. Consider shopping at those places if you can to earn more cashback and have more money to spend later.
- Use coupons and discounts. Even though the online credit card is already giving you perks and advantages, you can still use them in addition to coupons. Check online for coupons to the store you want to buy it and use at the check-out page.
- Use the online portal. Most credit cards will have an online portal where you can do shopping. Make sure you are using the portal as it will show what deals are available and how many points you have open to you. This is especially important when you are doing travel online shopping as it can show deals for specific hotels and airlines.
- Use the delivery and pickup perks. Many online shopping credit cards give you perks such as free delivery or discounted delivery. Make sure you are using these perks to save yourself on delivery perks.
What Online Shopping Portals? How They Work?
An online shopping portal is a website that rewards shoppers when they make their purchases through the portal rather than through the merchant directly.
Most of the time the portal can be found under your account information when you log into the credit card’s website. The online portal will show you all the merchants available to you where you can get points and cashback rewards.
When you purchase through the online portal, the credit card will recognize you are making the purchase the cashback or rewards will be added to your next credit card statement.
How to Use Online Shopping Portals?
The best way to use your card’s online shopping portals is to log into your credit card account and find the place where it shows your shopping portal. It might be on the home page or on your account information page. Some credit card websites also show a designated header that says online shopping portal.
Some credit card companies will also have a different website with their online shopping portal. If this is the case, all the information should be included with your information when you get the card. Make sure you follow the directions so you can make all your qualifying purchases through the online shopping portal.
The shopping portals will also show you current deals that are happening. It’s also worth checking the deal and the retailer to see if you need anything from that website. Purchasing during promotional periods is a great way to save money.
You can also view all the shopping portal deals in one place rather than having to visit each merchant individually and trying to find deals for yourself. This is a great way to save time and money. Make sure you are always paying with your reward card to get points.
How to Safely Use a Credit Card to Pay For Online purchases?
If you are using online shopping portals through a credit card company, they are usually safe and secure. Always check the web address though to make sure you are on the correct one.
The payment page should be secure and offer a validation certificate. It’s also a good idea to put protections in place on your computer so that you will be alerted if the computer thinks you are on a fake payment page.
Once you pay online, check the charge on your credit card statement and make sure they match. You might also want to monitor your card to make sure there are no fraudulent charges.
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How We Picked The Best Online Shopping Cards: Methodology
To identify the best online shopping credit cards, our team meticulously assessed various issuers, focusing on major banks and financial institutions. We rated these cards based on four key categories tailored for consumers who frequently shop online:
Online Shopping Rewards (30%): We evaluate the rewards structure specifically geared towards online purchases, including cash back percentage or points earned per dollar spent on online transactions, bonus categories for popular online retailers, and redemption options. Cards with higher rewards rates for online shopping and flexible redemption choices score higher in this category.
Card Features (40%): This category assesses additional features that enhance the overall value of the card for online shoppers, such as fees (annual fees, foreign transaction fees), coverage (fraud protection, purchase protection, extended warranty), and other perks tailored for online transactions. Cards offering comprehensive features with minimal fees and extensive coverage earn higher scores.
Customer Experience (20%): We examine the ease of using the card for online transactions, including the acceptance of the card by major online retailers, integration with digital wallets or online payment platforms, and user-friendly online account management tools. Cards with seamless online shopping experiences and responsive customer support receive higher ratings in this category.
Issuer Reputation (10%): We scrutinize each issuer's reputation, considering customer feedback, financial stability, and regulatory standing. Issuers with positive reviews from cardholders and a history of providing excellent products and customer service for online shoppers receive higher ratings in this category.
This comprehensive evaluation ensures that the best online shopping credit cards offer attractive rewards, robust features, a seamless user experience, and a positive relationship with the issuer, catering to the needs of consumers who frequently shop online.
