The best credit card for online purchases is the Amazon.com Credit Card because Prime Members get 5% back on Amazon purchases. Plus, there’s a new delivery option called “No-Rush Shipping” where Prime members get rewards or an order discount by agreeing to receive their order in 6 business days.
There are plenty of other great credit cards for online shopping, too. Discover it Cashback matches 100% of your first-year rewards and gives you access to 5%-10% cash back on online purchases made through Discover Deals. Walmart’s and Target’s store credit cards also offer free standard shipping for online orders as well as some nice rewards. And the Capital One VentureOne Rewards Card gives you 10 miles for every dollar spent at Hotels.com. Even if you have bad credit, you can make online purchases with the Fingerhut Credit Account.
Read below for more details on which card will give you the most bang for bucks spent online.
Here are the best credit cards for online purchases:
Amazon.com: Amazon.com Credit Card – The Amazon Prime Rewards Visa gives up to 5% cash back on Amazon purchases. Approval gets you a $70 Amazon.com gift card and free unlimited 2-day shipping. But when you select “No-Rush Shipping” at checkout, you can earn rewards or an immediate discount for agreeing to receive your order in 6 business days. Rewards can be used on Prime Pantry, Kindle Ebooks, Prime Video, digital music and more. Good credit is required.
Discover Deals: Discover it Cashback – This card matches 100% of cash back earned at the end of your first year. Each quarter has bonus categories where you get 5% cash back up to $2,500 spent. Discover Deals gives you extra cash back for purchases at popular retailers online like Sephora, Best Buy, Nike, Apple and more. Most deals let you earn 5%-10% cash back but you can also get discounts up to 50% off or higher. Good credit is required.
Target: Target Credit Card – Target shoppers will love earning 5% back on most purchases at Target and Target.com. You’ll also get an extra 30 days on returns. Plus, there’s free standard shipping on all Target.com orders. Only fair credit is required to qualify.
Online Travel Rewards: Capital One VentureOne Rewards Credit Card – Get bonus rewards with 10 miles per $1 spent at Hotels.com. You get an unlimited 1.25 miles on every dollar spent and can use those rewards to cover travel purchases made in the last 90 days or use miles to book airline, hotels, car rentals and more through Capital One. Good credit is needed to get approved for this card.
Walmart.com: Walmart Store Card – Walmart.com purchases earn an unlimited 3% back, including grocery pickup. When you open the card, you’ll receive $25 off a purchase of $25+ when made the same day. You only need fair credit but may be approved for the Walmart Mastercard with good credit, which can be used anywhere Mastercard is accepted. And just like Amazon, Walmart is offering discounts on select purchases when choosing slower shipping.
Best For Bad Credit: Fingerhut Credit Account – Fingerhut offers kitchenware, electronics, clothing and a ton of other items from top brands. The best thing about their credit card is that you can get it with bad credit and not be charged an annual, monthly or one-time fee. To avoid interest from the 29.99% APR, you should definitely pay your balance in full each month. But you don’t even need to make purchases for positive information to be reported to the credit bureaus monthly.
A trip to the store can be saved with just a click of the mouse. And the best credit card for online purchases can save you money just as easily. But make sure to pay your bill in full every month. While none of these cards charge an annual fee, they can have high interest rates.