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The best credit cards for online shopping

Business

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The best credit cards for online shopping of 2021

Unlike groceries, dining, and travel, online shopping isn’t a common bonus category on rewards credit cards. But that doesn’t mean you can’t earn more than 1 point or mile per dollar you spend, or more than 1% cash back, when you buy things online.

Read more: The best credit cards for Black Friday and Cyber Monday

By picking the right card – and by taking advantage of online shopping portals and other deals like Amex Offers** – you can actually rake in the rewards on these purchases.

Best for 2% cash back on everything: Citi® Double Cash Card

Citi® Double Cash Card

The Citi® Double Cash Card earns 2% cash back on everything you buy: 1% cash back when you make a purchase, and another 1% back when you pay your bill.

Read more: Citi Double Cash credit card review

Since there are no bonus categories to keep track of, that means you can earn 2% back on your online purchases, no matter where you’re shopping. The card has no annual fee, either.

Best for Amazon and Whole Foods purchases: Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

If you want a card that offers bonus rewards on Amazon purchases, the Amazon Prime Rewards Visa Signature Card is a solid choice. It offers a welcome bonus of Amazon Prime Rewards Visa Signature Card , and cardholders earn 5% back on Amazon and Whole Foods purchases (with a Prime Membership and your card is loaded to your eligible Amazon account; otherwise earn 3% back on these purchases), 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

Read more: Amazon Prime Rewards Visa Signature credit card review

There’s no annual fee for Amazon Prime members, and because it’s a Visa Signature card, it offers substantial benefits including extended warranty, purchase protection, and car rental insurance.

Best for Costco.com purchases: Costco Anywhere Visa® Card by Citi

Citi Costco Anywhere Visa® Card by Citi

For Costco members who shop with the big-box retailer online, the Costco Anywhere Visa® Card by Citi could be another smart choice. It earns 2% cash back on all Costco.com and Costco purchases, in addition to 4% cash back on the first $7,000 spent on eligible gas purchases each year (then 1%), 3% cash back on restaurants and eligible travel purchases, and 1% back on everything else.

Read more: Costco Anywhere Visa credit card review

The card has no annual fee, but you need a paid Costco membership.

Best for PayPal and Walmart.com: Chase Freedom Flex℠

Chase Freedom Flex℠

The Chase Freedom Flex℠ 5% rotating bonus categories for the last quarter of 2021 are Walmart and PayPal. Once you activate the bonus, you’ll earn 5% cash back on up to $1,500 in combined spending (then 1%) when you activate the bonus.

Read more: Chase Freedom Flex credit card review

Chase is also running a promotion for Chase Freedom Flex℠ cardholders right now – you can earn 5% cash back on up to $1,500 in your top spending category (from a list) through December 31, 2021. Eligible categories include travel (including transit), dining, home improvement stores, select streaming services, select live entertainment, gas stations, drugstores, fitness clubs, and grocery stores (not including Walmart or Target purchases).

Read more: You can now earn 5% cash back in your top eligible spending category with the Chase Freedom Flex through the end of December

You can combine the rotating PayPal bonus category with your top eligible category from the list. Chase will allow cardholders to stack these offers and earn 9% back on these purchases (4% from the PayPal rotating category bonus, 4% from the top-spend category bonus, and 1% that you’d normally earn with the card).

Walmart.com, Target.com, and Amazon: Discover it® Cash Back

Discover it® Cash Back

The Discover it® Cash Back offers 5% cash back in popular rotating quarterly bonus categories when you activate, on up to $1,500 in combined spending (then 1%). You’ll also earn 1% back everywhere else Discover It Cashback rotation.

Read more: Discover it Cash Back credit card review

This quarter’s categories are all online retailers, so it’s perfect timing for holiday shopping. If you’re a new cardholder. Discover will match all the rewards you’ve earned after the first 12 months, effectively earning you 10% back on these purchases.

If you want to choose your own bonus category: Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card

The Bank of America® Customized Cash Rewards Credit Card is another no-annual-fee card, and it’s the rare one that includes online shopping as a bonus category. You can earn 3% cash back on a category of your choice (options include online shopping as well as gas, dining, travel, drugstores, and home improvement/furnishings) and 2% cash back at grocery stores and wholesale clubs on up to $2,500 in combined purchases each quarter (then 1% back).

Read more: Bank of America Customized Cash Rewards card review

If you’re looking to maximize your online shopping purchases with the Bank of America® Customized Cash Rewards Credit Card, your best bet would be to only use it for online shopping and put grocery store and wholesale club purchases on another card.

Best for office supplies: Ink Business Cash® Credit Card

Ink Business Cash℠ Credit Card

If you’re a freelancer or a small business owner, the Ink Business Cash℠ Credit Card is a great option for earning cash back on office supplies. You’ll earn 5% back (5x Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year (then 1% back).

Read more: Ink Business Cash card review

You’ll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each year (then 1% back). This card has no annual fee, and if you also have a Chase Ultimate Rewards travel card such as the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card, you can move over rewards from the Ink Business Cash℠ Credit Card and unlock more redemption options.

Best for purchase protection: American Express® Gold Card

American Express® Gold Card

Especially if you’re making a large purchase, you’ll want to pay attention to what kind of purchase protection your credit card offers. The American Express® Gold Card has one of the most generous policies, offering up to $10,000 in coverage per occurrence (up to $500 for natural disasters) and up to $50,000 in coverage per year for stolen or damaged items.

Read more: American Express Gold card review

The American Express® Gold Card also adds up to one additional year to eligible US manufacturers warranties of five years or less.

Make sure to use an online shopping portal

Whenever you shop online, it’s worth taking a few extra seconds to go through a shopping portal, since you can earn a ton of bonus rewards or cash back by clicking through one of these sites.

Airlines and credit card issuers, along with a handful of hotel brands, operate shopping portals that award you bonus loyalty points in their respective programs when you click through from the portal to a retailer’s website. For example, if you’re a United flyer, you can click through the airline’s MileagePlus Shopping site to earn bonus miles with Bed Bath & Beyond, Sephora, Staples, and dozens of other online shops.

Read more: The 3 steps I take to save money and earn more than 100,000 points each year shopping online

Online shopping portal bonuses change all the time, and not every portal partners with the same retailers. To see your best options for earning rewards, search for the retailer on Cashback Monitor or Evreward. Both of these sites show you all your different shopping portal options for earning points, miles, or cash back.

Once you’ve decided which shopping portal you want to use, make sure you’re logged into your associated loyalty program account, then find the retailer in the portal and click through. This is an easy way to maximize credit card purchases that would otherwise only earn you 1 point or 1% cash back.

Don’t forget about Amex Offers and cash-back deals through Chase

If you have an American Express card or a Chase card, you could be able to save extra money on your online purchases through Amex Offers and Chase Offers, respectively.

Read more: Your credit card could get you cash-back discounts or bonus rewards on your shopping – here’s how to find and activate these offers

Amex Offers** are limited-time deals available to cardholders, letting you earn cash back or bonus Membership Rewards points when you make purchases with popular retailers. The offers are targeted, meaning not every cardholder will see the same deals in their account, and you need to make your purchase with the Amex card tied to a given deal in order to be eligible for cash back or bonus points.

Chase Offers work similarly; if you have a Chase card like the Chase Freedom Unlimited® or the Chase Sapphire Preferred® Card, log into your account and see what offers are available. Click on any offers you want to use to add them to your account, then use the corresponding Chase card to complete your purchase. Currently, Chase Offers are limited to cash back – for instance, 10% back at Starbucks or Office Depot.

Read the original article on Business Insider
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