Shopping at bricks-and-mortar retailers is becoming a thing of the past. Since most of your spending is done on the web these days, it’s smart to look for credit card offers that provide good rewards on online shopping.
If you’re looking for a few suggestions, take a look at the Nerds’ top picks below. For online shopping, these are the best credit cards to apply for:
Best overall: Discover it® Cash Back
Although the Discover it® Cash Back has historically featured online shopping and department stores as 5% bonus categories, what actually makes the card special is that it provides access to Discover Deals. This is the bonus mall operated by Discover, and using it could help you score extra cash back, a statement credit or discounts on in-store purchases. We think Discover Deals is the best shopping portal out there, so it’s a great reason to get the Discover it® Cash Back.
This is especially true because the card charges an annual fee of $0. All in all, the Discover it® Cash Back is a low cost, high value option that will help you nab great deals on your online purchases. Talk about a win-win!
Best for price protection: Citi® Double Cash Card – 18 month BT offer
First, let’s talk about rewards. With this card, you’ll earn 1% cash back on all your purchases, then an additional 1% cash back when you pay them off. Plus, there’s no limit to the rewards you can earn. This means you can keep cashing in big, no matter how much shopping you do.
And when it comes to finding the best price on your items, the Citi® Double Cash Card – 18 month BT offer has your back. With Citi Price Rewind you’ll simply register your purchases online as soon as you make them, and then sit back and let this service go to work. If it finds a better price on something you bought within 60 days, you’ll be refunded the difference, up to $500 per item ($2,500 per year). Again, this takes some of the stress out of online shopping – clicking through a bunch of sites to find the best price on your purchases will be a thing of the past.
If you an believe it, all these great benefits come at an annual fee of $0. What’s not to love about this card?
Best for shopping at Amazon: Amazon Credit Card
For many of us, “online shopping” has become synonymous with “Amazon” – it’s truly a one-stop shop for almost everything you need. If you’re dropping a lot of dough at this online megastore, getting the Amazon Credit Card might be a smart choice.
With it, you’ll earn 3 points for every dollar you spend at Amazon, 2 points for every dollar you spend on dining out, drugstores and gas stations, and 1 point for every dollar you spend elsewhere. When it’s time to redeem, you can use your points to shop at Amazon, or you can cash them in for a statement credit, gift cards or travel through Chase.
What’s more, the Amazon Credit Card offers a signup bonus: an Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application. Like our other top picks for online shopping, this card’s $0, so you really can’t go wrong.
So what are you waiting for? Start filling up those online shopping carts and apply for one of these great cards today!