Monday, June 21, 2021

What Are the Best Credit Cards for Online Shopping?

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Lokesh Jaral
Being an enthusiast who likes to spend time binge-watching TV shows and movies and following the hype in the media and entertainment world. Exploring the field of technology and entertainment, I am here to share the varied experiences on this blog.

If you want to get extra discounts while shopping, you should use the right credit card to make a purchase. Here, we have listed the best credit cards for online shopping that will provide you cashback and discount benefits.

After the coronavirus pandemic, there is a huge change in the way of shopping as most people are preferring to make purchases online rather than going to an offline store. Here, credit cards play an important role and if you are not using the right credit card for online shopping then you are missing discounts, cashback, and exciting rewards.

The best credit cards for online shopping are Bank of America Cash Rewards Credit Card, Amazon Rewards Visa Signature Card, Chase Freedom Unlimited, U.S. Bank Cash+ Visa Signature Card, and Target REDcard™ Credit Card.

We have mentioned more about these credit cards in the below article. To know more about it, you should read the full article.

Best Credit Cards for Online Shopping

By using a credit card, you can get handsome discounts on shopping, but in some cases, the amount from your credit card gets deducted and the transaction gets failed. So, before we disclose the best credit cards, you should know how to safely use a credit card.

What Are the Best Credit Cards for Online Shopping?
Credit: Forbes.com

How To Safely Use a Credit Card for Online Purchases?

There are both positive and negative sides to shopping online with a credit card because apart from getting the perks, there is also a risk of identity theft or fraud as you enter your address, card details, etc. To safely use a credit card for online purchase, you can follow some steps,

  • Keep your account number and card details private whenever you visit a bank or ATM. Don’t let anyone see it.
  • Whenever you shop online, make sure the site is fully secured via which you are doing a transaction. To check whether your site is secure or not, you can see the lock icon in the URL section.
  • Make sure you shop only with renowned online shopping websites. We recommend you to not open and enter card details on the site whose name you’ve not heard before.
  • If you get a link from somewhere that shows heavy discounts, sales, etc, don’t click on it. There’s a possibility that your account may get hacked.
  • If you get a call to verify your account details, don’t tell them your credentials.
  • Last but not least, you should never share your OTP with anyone.

If you follow these guidelines, you will be able to use your credit card safely for online purchases. Use these below-listed credit cards for a better transaction.

Bank of America Cash Rewards Credit Card

With this credit card, you can get up to 3% back on your desired category and 2% on the grocery stores if you spend the first $2,500 each quarter. There are mainly six categories you can choose from. These include online shopping with popular sellers like Walmart, Nordstrom, Best Buy, Amazon, and Apple. Apart from it, you can get flat $200 cash rewards as a welcome offer if you make a $1000 purchase in the first 90 days.

Amazon Rewards Visa Signature Card

If you are an Amazon user and buy most of the things from Amazon, then this credit card will help you a lot in savings. With this card, you can get exciting rewards and 5% back if you purchase through the retailer. The best thing about this card is that there’s no annual fee for it.

Chase Freedom Unlimited

If you shop most things from online stores, then this card is for you. It comes with a $0 annual fee and subscription fee. Also, if you are a new user, you’ll get $200 as a welcome offer as you spend $500 within three months of the activation of this card.

U.S. Bank Cash+ Visa Signature Card

U.S. Bank Cash+ Visa Signature Card allows you to earn an extra 5% back on your first-ever purchase of $2000. This offer is valid on both the online as well as offline modes of purchase. In addition, you will get 2% cashback on paying gas, groceries, or restaurant bills.

Target REDcard Credit Card

It is one of the best credit cards for online shopping and it offers a 5% discount whether you shop from an online or offline store. You’ll also be able to enjoy two-day free shipping on some items if you shop online. This card is similar to Amazon Rewards Visa Signature Card because there’s no annual fee or subscription fee.

Conclusion

All these are the best credit cards for online shopping. You can check and choose the best one accordingly.

Featured Image Credit: Businessinsider.com

Can you make online purchases with a credit card?

Yes, you can make online purchases with a credit card because as of now, every online store accepts payments made through a credit or debit card.

Which Card Is Best for Online Shopping?

The best credit cards for online shopping are Bank of America Cash Rewards Credit Card, Amazon Rewards Visa Signature Card, Chase Freedom Unlimited, U.S. Bank Cash+ Visa Signature Card, and Target REDcard™ Credit Card.

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