We found credit cards that pay you to do what you love—shop online.
No, but really, if you’re already spending your hard-earned money on online retailers like Amazon, Target, Costco, etc., why not make sure you get a little money back?
Here are some of the best and most popular credit cards that reward you for online shopping.
The Discover it® card is featured on many best credit card lists, and for good reason. The card offers 5% cash back at Amazon.com and Target through the end of 2017, which means you can get started on holiday shopping early. Also, the card has no annual fee and offers 1% cash back on pretty much everything else.
The Citi® Double Cash Card gets its name from its cash back bonus, which is 1% on purchases and an additional 1% when you make a minimum payment. Though it’s not a clean-cut 2% cash back, it’s pretty darn close, and there’s no annual fee to worry about. If you’re looking to do all of your shopping online, Citi’s Double Cash card can help you get started.
3. Amazon Prime Card
If we’re talking about online shopping, it’s impossible to not include Amazon’s own credit card. The Amazon Prime Rewards Visa Signature card boasts 5% cash back for purchases from Amazon.com, but only if you’re already a Prime member. The card also offers 1% cash back on just about everything outside of Amazon.
While there’s no annual membership fee, you’ll need that Prime membership to get full benefits, so in a way you are paying for it. But for the tens of millions who already subscribe to Amazon Prime, maybe it’s no big deal.
4. Target REDcard
If you’re looking to shop from the comfort of your couch, the Target REDcard has its benefits. It offers 5% cash back at Target and Target.com and free shipping on “most” items on Target.com. Like most other cards in this list, there’s no annual fee to deal with. And if you do have the sudden urge to visit a physical Target, you can use the REDcard for discounts on in-store Starbucks purchases.
5. PayPal Cashback Mastercard
If you frequent online stores that use PayPal, you might want to check out the PayPal cash back credit card. First off, PayPal makes online check-out much easier—you pay with PayPal credentials instead of entering credit info—and you get rewards points for every dollar you spend to redeem for credit with the PayPal credit card. There’s also no annual fee. We think PayPal fans should check it out and see if it’s what they’ve been wanting to bring the worlds of online shopping and credit cards a little bit closer together.
The Barclaycard CashForward card made our list for best credit cards for online shopping because it offers “unlimited 1.5% cash rewards on every purchase,” so you’re looking at getting something back no matter where you shop online. It also doesn’t bother with an annual fee, which means no surprise service charge at the end of the year.
If you’re concerned you might not have the best credit and still want to shop with your favorite online retailers, the QuicksilverOne might interest you. Unlike other cards on this list, it does carry an annual fee, but it’s less than what we’ve seen from competitors. Also, you can still get rewarded for your shopping with 1.5% cash back on every purchase.
The Blue Cash Everyday® card from American Express is similar to other credit cards on this list in that it offers cash back rewards and no annual fee. However, it also has something other cards don’t—American Express customer service, which “received the highest ranking for customer satisfaction” from JD Power. So go forth and shop, and take comfort you’ve got help if you need it.
With no annual fee and 1.5% cash back on any purchase, the Chase Freedom Unlimited® card might be right for the online shopper who doesn’t want to worry about what purchases qualify for rewards points. There’s also no minimum required to redeem that 1.5% cash back, so feel free to do as you please when perusing Cyber Monday deals or the latest flash sale.
People might not think of online shopping when they think of Costco, but skipping the Saturday Costco crowds while still getting bulk goods and deep discounts makes for a pleasant experience. What’s more, the Costco Anywhere Visa® card can make Costco trips (online and in person) all the more rewarding. The card offers 2% cash back on all purchases from Costco and Costco.com, and 1% cash back on everything else.