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 your first $2,000 in combined eligible purchases each quarter on two categories you choose, 2% cash back on one everyday category, like gas stations, grocery stores or restaurants, 1% cash back on all other eligible purchases
| $200
$200 rewards bonus after you apply online and spend $500 in eligible purchases within the first 90 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 with your new Card within the first 6 months of Card Membership
| $250 (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
| Up to $300
additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
| $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 | ||
| 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
| $150
$150
| $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 |
How to Pick the Right Shopping Card?
Choosing the best card for online shopping can be difficult because you want to make sure you are getting one that gives you cashback and offers at the majority of the online places that you shop. Here are some tips you can follow if you aren’t sure which card to choose for yourself:
- Extra Perks. If you like to travel or spend a lot on everyday purchases, consider choosing a card that comes with relevant perks. You can choose the card that works best for you and your day to day needs.
Some online shopping cards are only for stores and grocery stores and do not offer travel or other specific perks so keep this in mind when choosing a card.
- Generic or Targeted Card – You also need to choose whether you want a generic store card or one that can be used at a specific store. Some cards, such as the Target Red Card and the card for Costco only offer perks for that specific store. This is a good option for those who do most of their online shopping at one place only.
If you do a lot of online shopping at many different retailers, then you might want to go with a card that is not specific to one store as you want to be able to use the card at many different places.
- Annual Fee / Cardmembers Fee – You should also consider the annual fee as some cards come with much higher fees than others. Consider the fee and if it will be easy to earn back.
U.S. Bank Cash+ Visa Signature
Reward Details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
If you don’t want a card to a specific store or place, this is a good option just to have a basic credit card that gets you cash back at many different retailers. They also have bonus online shopping categories where you can receive extra discounts when you buy within the promotional category.
You also get cashback anytime you book travel online such as hotel rooms and airline tickets. Your cashback rewards apply to a large number of purchases including clothing stores, online furniture stores, and department stores. Your rewards also apply when you shop in person.
- APR: 18.99% - 28.99% Variable APR
- Annual fee: $0
- Balance Transfer Fee: $5 or 3%
- Foreign Transaction Fee: 2%
- Rewards Plan: 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 2% cash back on one everyday category, like gas stations, grocery stores or restaurants, 1% cash back on all other eligible purchases
- Sign Up bonus: $200 rewards bonus after you apply online and spend $500 in eligible purchases within the first 90 days of account opening
- 0% APR Introductory Rate period: 15 billing cycles on balance transfers
- Sign-Up Bonus
- Cash Back Rewards
- 0% APR Introductory
- No Minimums for Redemption
- Choose Spending Categories
- Restriction on Cash Bonuses
- Foreign Transaction Fee
- Balance Transfer Fee
- Opt in Every Quarter
- Visa Signature Card
What is the initial credit limit?
The starting credit limit for either of these cards can be as low as $1,000, but it is typically between $1,000 and $1,500 depending on a number of factors including your credit history, income and existing debt.
How much is 10,000 points worth?
The Cash+ reward system is easy to understand as you simply earn a percentage of your purchases as cash back.
What are the top reasons not to get the Cash+ card?
If you’re a keen traveler, you’re likely to be disappointed by the lack of travel rewards and redemption options. If you’re looking for a travel card, there are far better options, particularly if you have good to excellent credit.
What are the card income requirements?
You’ll need good to excellent credit for the Cash+. However, U.S Bank will consider your income when determining your initial credit limit upon approval.
Is there a cash back limit?
You can only earn 5% on $2,000 of combined purchases across the two categories each quarter. After this, the cash back rate will drop to the base 1%. However, there is no cap on the 2% category.
American Express® Gold Card
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The American Express® Gold Card is a great card to have when you do online shopping at many different retailers and when you order takeout online or get food delivered. You receive cashback when you order online with Uber eats as well. You get cashback on almost every purchase you make with some earning you more points if you shop at certain places or during promotional periods.
Other premium benefits include dedicated service team, up to $120 in Uber Cash (enrollment required), preferred seating at sporting and cultural events, signature perks at upscale hotels, fraud Protection and baggage insurance for up to $500 for checked baggage and $1,250 for carry on.
- APR: 21.24% - 29.24% Variable
- Annual fee: $250
- Balance Transfer Fee: N/a
- Foreign Transaction Fee: None
- Rewards Plan: 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
- Welcome bonus: 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership
- 0% APR Introductory Rate period: N/A
- Welcome Bonus + Premium Point Rewards Rate
- No Foreign Transaction Fees
- Special Gold Status Perks
- $250 Annual Fee
- High Requirements
- Is there a limit to rewards? There is a cap on getting the premium rate of cashback on certain types of purchases.
- Can I get car rental insurance with Amex Gold Card? Yes, you will get it automatically once you decline the car insurance from the rental company and you pay the full rental charge using this card.
- What are Amex Gold Card income requirements? There is no out and out income requirement outlined by Amex when it comes to the Gold card.
- Does card Amex Gold points expire? They do not have an expiration date.
- How do I redeem cash back on Amex? There is a points-based system. You can redeem the points for a variety of rewards that are showcased on the Amex website. These include statement credit, gift cards, paying for certain services etc.
- What purchases don't earn rewards? The minimum rate is 1 point for every $1 spent.
- Should You Move to Amex Gold Card? If you need a versatile card that covers a wide range of purchases, with a main focus on travel-related purchases and perks.
- Why did Amex deny me? You might not have met one of the requirements. You can ask the customer support team if there is something you can do to change this eventuality. Otherwise, you can look for an alternative card.
- How to maximize rewards on Amex Gold Card? Use it for a versatile range of purchases, make sure you are aware of the different perks and credit that you get with this card.
- Top Reasons NOT to get the Gold Card? If you do not travel a lot.
- Can I get pre-approved? Yes, you can get pre-approval.
- What is the initial credit limit? The credit limit will usually be at least $5,000.
Chase Freedom Unlimited®
Reward details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Chase Freedom Unlimited® gives you cash back and rewards points every time you spend money online including for travel purchases. If you travel often and book many hotels and flights, you can always use this card to book your travel and make sure you are getting the cashback percentage.
You also get to choose your own bonus categories so you can choose the categories you want to spend the most money in and earn more rewards. Make sure you are always booking your travel through the portals on the Chase website to ensure you are using your points and getting cashback.
- APR: 20.24%–28.99% variable
- Annual fee: $0
- Balance Transfer Fee: $5 or 5%
- Foreign Transaction Fee: 3%
- Rewards Plan: 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
- Sign Up bonus: additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
- 0% APR Introductory Rate period: 15 months on purchases and balance transfers
- Cash Back Rewards + Sign Up Bonus
- 0% APR on Balance Transfers & Purchases
- No Annual Fee
- Protection & Free Credit Score
- Balance Transfer Fee
- Foreign Transaction Fee
- Less Relevant For Frequent Travelers
- Is there a limit to cashback rewards? There is no cap.
- Can I get car rental insurance with a Chase Freedom Unlimited card? Yes, when you rent the car and pay for all of it with this card and do not accept coverage from the rental company.
- Should You Move to Chase Freedom Unlimited card? This is a good fit for people who are looking for no annual fee card including good cashback rates that do not change.
- Why did Chase Freedom Unlimited card deny me? You might not have met one of the requirements for this card. You can talk with a member of the customer support team to see what the issue is and how you might be able to rectify it.
- How hard is it to get a Chase Freedom Unlimited card? It is not very hard to get this type of card once you meet all of the straightforward requirements.
- How to maximize rewards on the Chase Freedom Unlimited card?
- You can choose between the options as to how you utilize the rewards. To maximize rewards, you should make the most of the signup bonus and also be aware of which of your credit cards have the best cashback for a particular type of purchase.
- Top reasons NOT to get the Chase Freedom Unlimited card? If you are looking for higher flat cashback rates. You may also travel a lot and not want to pay the 3% foreign exchange transaction charge that comes with this card.
- Does Chase ask for proof of income? There is no specific income requirements and it does not usually ask for proof of income requirements.
- Does the card offer pre-approval? Yes, you can get pre-approval.
- What is the initial credit limit? The initial credit limit varies, but can often be between $1,000 and $5,000.
- How do I redeem cashback? Go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards.
- What purchases don't earn cashback with the Freedom Unlimited card? All purchases earn cashback with this card.
Capital One Savor Cash Rewards Credit Card
Reward Details
Current Offer
Credit Rating
Annual Fee
0% Intro
APR
The Capital One Savor card is a great card to have if you eat out often or if you’re going on excursions and vacations. You also get no foreign transactions fees and unlimited 4 percent back on dining, entertainment, and streaming services.
This is great if you do a lot of online streaming as you will get cashback on Netflix, Hulu, Disney+, and many other streaming services. You also get cashback whenever you book entertainment or dinner reservations online. The capital one shopping browser also allows you to find bargains with online merchants so you are always getting discounts.
- Rewards Plan: unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
- APR: 20.99% - 28.99% (Variable)
- Annual fee: $95
- Balance Transfer Fee: 3%
- Foreign Transaction Fee: $0
- Sign Up bonus: $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- 0% APR Introductory Rate period: None
- Sign Up Bonus
- High Cash Back
- No Rotating Categories
- $95 Annual Fee
- Approval Can Be Strict
- No 0% Intro APR
- Can I get car rental insurance with Capital One Savor? Yes, once you refuse the insurance offered by the rental company you will automatically get coverage if you fund the entire purchase through this card.
- Does it have a cash-back rewards limit? There is no limit.
- Does Capital One ask for proof of income? No out and out request for proof of income and no transparent income requirements.
- Does Capital One Savor Card offer pre approval? Yes, you can get pre-approval.
- What is the initial credit limit? The minimum credit limit is set at $5,000.
- How do I redeem cash back? You can get them sent to you in the form of a check, as a statement credit, or get them given to you through gift cards.
- What purchases don't earn cash back? All types of purchases are eligible for cashback with this card.
- Should You Move to Capital One Savor Card? If you spend enough on the premium cashback categories to justify the annual fee.
- Why did Capital One Savor Card deny me? What to Do Next? You might not have met all of the requirements. You can enquire as to where your application fell short. If you cannot proceed, you can look at some of the other available options.
- How to maximize rewards on Capital One Savor Card? Make the most out of the signup offer and use this card for the premium cashback categories to get the best bang for your buck.
- Top reasons NOT to get the Capital One Savor Card? If you will not reap enough rewards to justify the $95 annual fee.
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: 22.90% (Variable)
- Annual fee: $0
- Balance Transfer Fee: Unknown
- Foreign Transaction Fee: Unknown
- 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
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: 19.24% – 27.24% 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.
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: None
- 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
Shop Smart With The Best Shopping Cards
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.
