In everyday financial management, finding the best credit cards with rewards for online shopping in the USA can make a significant difference to your savings. With so many options available, choosing the right card can be daunting. Fortunately, understanding the benefits and drawbacks of various options can help customers find what best suits their needs.
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Online shopping is only increasing in popularity due to its convenience. Hence, discerning customers look for credit cards that offer attractive reward programs or cashback incentives tailored for such expenses. This blog post aims to simplify the decision-making process by showcasing seven top-performing credit cards that offer remarkable rewards for internet purchases in the United States.
Chase Freedom Unlimited
The Chase Freedom Unlimited card stands out with its flat-rate cashback offer on all purchases. It provides 1.5% cash back, ensuring you get rewards regardless of what you buy. New cardholders can also enjoy an introductory offer of 3% cashback on up to $20,000 spent during the first year.
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This card also offers a range of additional benefits, such as travel and purchase protection, making it a well-rounded choice for online shoppers. Besides, there’s no annual fee, which adds to its appeal.
Discover it® Cash Back
The Discover it® Cash Back card is well-known for its quarterly rotating categories, allowing cardholders to earn 5% cashback on certain categories, including online shopping, up to the quarterly maximum of $1,500 in purchases. All other purchases get 1% cashback.
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One of the standout features is the Cashback Match they offer at the end of your first year—essentially doubling your cashback earnings. This can be incredibly lucrative for first-time users. This card also has no annual fee, making it lighter on your wallet.
American Express® Gold Card
The American Express® Gold Card is tailored for those who enjoy dining out and online shopping. It offers 4x points on dining at restaurants, including takeout and delivery, and 4x points at U.S. supermarkets, on up to $25,000 per year in purchases, then 1x points.
When you buy online, you can enjoy 3x points on flights booked directly through airlines or on amextravel.com. Although this card comes with a $250 annual fee, the benefits often outweigh the cost for frequent users.
Citi® Double Cash Card
The Citi® Double Cash Card is unique in its simple, yet effective, cashback system. It offers 2% cashback on all purchases—1% when you buy and 1% when you pay your bill. There are no caps or category restrictions, making it one of the most straightforward options for cashback rewards.
The card does come with no annual fee, which makes it even more attractive for those who prefer a no-hassle approach to earning rewards. One potential downside is the higher APR for those who carry a balance, so it’s best suited for those who pay their bills in full each month.
Capital One® Quicksilver® Cash Rewards Credit Card
With its unlimited 1.5% cashback on every purchase, the Capital One® Quicksilver® Cash Rewards Credit Card is another strong contender in the cashback arena. There are no rotating categories or sign-ups needed to earn your rewards, making it an easy go-to card for everyday spending, including online shopping.
Sign-on bonuses are also attractive, with a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. The card also features a 0% introductory APR on purchases and balance transfers for the first 15 months.
Bank of America® Customized Cash Rewards Credit Card
The Bank of America® Customized Cash Rewards Credit Card offers flexibility that is hard to match. Cardholders can choose a 3% cashback category, with online shopping being one of the options. Additionally, you get 2% at grocery stores and wholesale clubs, up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
All other purchases earn 1% cashback, making this card versatile for different shopping needs. The $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days further sweetens the deal.
Maximizing travel and purchase protections
For those who find themselves frequently shopping online and traveling, focusing on credit cards that offer extensive travel rewards and purchase protections can prove extremely beneficial. These cards not only provide you with points or miles but also ensure comprehensive safety for your purchases.
Travel-centric cards might charge higher annual fees, but the rewards and protections they offer can often justify the cost, particularly for frequent travelers. Additionally, purchase protections can provide extended warranties and protection against theft or damage, which is vital for high-value items.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express offers 6% cashback at U.S. supermarkets, up to $6,000 per year in purchases (then 1% after that), and 6% on select U.S. streaming subscriptions. Online shoppers will appreciate the 3% cashback on transit, including taxis/rideshare, and 3% on gas stations.
This card does come with a $95 annual fee (waived for the first year), but the high cashback percentages can quickly outweigh this cost for heavy spenders. Another significant advantage is that your cashback rewards can be redeemed for statement credits, gift cards, or merchandise, offering flexibility.
American Express® Green Card
The American Express® Green Card is another versatile option for those who travel frequently and shop online. It offers 3x points on travel & transit and at restaurants, which extends to online food delivery services, benefiting online orders.
This card has an annual fee of $150, and the points can be used across a plethora of travel options, making it an excellent choice for those who want to capitalize on their spending for future travels.
Additionally, the American Express® Green Card features extensive purchase and travel protections, giving users peace of mind knowing they are covered in various scenarios, a crucial feature for both online shopping and travel-related expenses.
