It’s nippy outside. The cool temperatures signal more than just winter coming up ahead. It’s shopping season just around the bend, and what better way to snag deals than doing so while cooped up on your couch, sweater over your shoulder, cup of tea, adding purchases to your shopping cart?
These are the best cards to have on hand for online shopping.
The 9 best cards for online shopping
1. U.S. Bank Shopper Cash Rewards Visa Signature Card
Rewards for online shopping: Earn 6% cashback on combined purchases in the two categories you choose each quarter, up to $1,500. Categories include; Ace Hardware, Amazon.com, Anthropologie, Apple, Bed Bath & Beyond, Best Buy, Chewy.com, Crate & Barrel, Disney, Home Depot, Ikea, Kohl’s, Lowe’s, Lululemon, Macy’s, Menards, Nordstrom, Pottery Barn, QVC, Restoration Hardware, Target, Walmart, Wayfair.com, and Williams Sonoma.
6% cashback at Amazon, Walmart, etc. seems like a lot, but if you crunch the numbers, the picture changes. The max you earn 6% cashback on is $6,000 spent per year ($1,500 each quarter) that totals $360 in cashback. But after deducting the $95 annual fee, you’re left with only $265. So the actual rate of cashback is 4.4%, not 6%.
Annual fee: $95 (waived 1st year)
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Rewards for online shopping: Earn 3% cashback at U.S. online retail on up to $6,000 spent in yearly purchases
Annual fee: $0
3. Bank Of America Customized Cash Rewards Credit Card
Rewards for online shopping: Earn 3% cashback on your choice of one of the following categories: gas, online shopping, dining, travel, drugstores, or home improvement/furnishings and 2% cashback on groceries and wholesale clubs (up to $2,500 spent each quarter combined with the 3% categories, then 1%)
Annual fee: $0
The rest of the cards are all 2% cashback cards. There may be other cards that give you cashback directly for online shopping, but no more than 2% cashback. In that case, you’re better off going with a card that gives you 2% cashback on all purchases, such as one of the following cards.
4. card_name
Rewards for online shopping: Earn 2% cashback on all purchases now convertible to Citi ThankYou points. 1% when you swipe and another 1% when you pay.
Annual fee: $0
5. card_name
Rewards for online shopping: Earn 2% cashback on up to $50,000 spent annually, then 1%
Annual fee: $0
6. card_name
Rewards for online shopping: Earn 2 points on all purchases on up to $50,000 spent annually, then 1 point (valued at 1.0 – 1.3 cents per point)
Annual fee: $0
7. card_name
Rewards for online shopping: Earn unlimited 2% cashback on all purchases
Annual fee: $150
8. card_name
Rewards for online shopping: Earn 2.5% cashback on all purchases $5,000 and up and 2% cashback on all other purchases
Annual fee: $195
9. card_name
Rewards for online shopping: Earn unlimited 2 points on all purchases (valued at 1.0 – 1.3 cents per point)
Annual fee: $395
Best cards for Amazon.com
1. card_name
Rewards for Amazon.com: Earn 5% cashback at Amazon.com
Annual fee: $0
2. card_name
Rewards for Amazon.com: Earn 5% back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership, on the first $120,000 in purchases
Annual fee: $0
Best cards for Walmart.com
1. Capital One Walmart Rewards® Mastercard®
Rewards for Walmart.com: Earn unlimited 5 points at Walmart.com (valued at 1.0 – 1.3 cents per point)
Annual fee: $0
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