These are the best cards for online shopping

If you find yourself scouring through the internet’s virtual
sales bins more than you’d care to admit, you’re
in good company
.

Whether you’re a seasoned veteran in the
online shopping world
or just looking for a way to pass the
time (or some retail
therapy
— we don’t judge), you’ll want to do yourself a
favor and use a credit card that earns you valuable points, miles
or cash back. More on that in a second. But first, some ground
rules.

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(Photo via Getty Images)(Photo
via Getty Images)

To take your online shopping habit to the next level, you’ll
want to use an
online shopping portal
every time you shop. Many top retailers
— from Bloomingdales and Bergdorf Goodman to Bed, Bath and Beyond
— partner with the major airlines to help you earn bonus points
or miles.

Related reading: The
beginner’s guide to airline shopping portals

Here’s how it works: Instead of starting directly on a
retailer’s site, you’ll start on an airline’s shopping
portal, that will then direct you to the retailer’s site.
You’re still purchasing the exact same items directly from the
merchant, but because you started at the shopping portal, you’ll
earn a bonus. You can find each of these with a simple Google
search. Easy as pie.

One of our favorite pro tips, though, is Rakuten
(formerly eBates). If you’re a member, you can earn either cash
back or
American Express Membership Rewards points
 for making
purchases online at one of more than 3,500 online retailers after
clicking through a Rakuten affiliate link.

While you can’t use Rakuten and an airline shopping portal at
the same time, think about which one better suits your travel goals
and go from there. By taking advantage of these little tips and
tricks, you’ll be
racking up points and miles in no time
.

We recognize that in the middle of the coronavirus
outbreak
, shopping might not be your first priority. However,
getting stuff sent to your doorstep rather than heading out might
be a good idea. So, if you’re in the market for some new items or
are jumping on sales going around, you can earn rewards so you can
have some extra cash back or points at the ready for when the time
is right.

Let’s dive in.

The best cards for online shopping in 2020:

In This Post
Bank of America Cash Rewards Credit Card
(Photo by Eric Helgas for The Points Guy)
(Photo by Eric Helgas for The Points Guy)

Annual fee: $0.

Welcome offer: $200 cash back bonus after
spending $1,000 within the first 90 days of account opening.

Standout shopping benefits: This is a
choose-your-own-bonus type of credit card. You can earn 3% cash
back on one of the following categories of your choosing: gas,
online shopping, dining, travel, drug stores or home
improvement/furnishings. You can change that 3% bonus category as
frequently as every month, if you wish. You’ll also earn 2% cash
back at grocery stores and wholesale clubs. Note that there’s a
$2,500 cap on combined 3% and 2% cash back purchases; you’ll earn
1% afterward.

If you happen to have status in the
Bank of America Preferred Rewards
program due to your deposits
at Bank of America, that 3% could go all the way up to 5.25% cash
back on online shopping.

Further reading:

Chase
Freedom Unlimited
(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $0

Welcome offer: $150 after spending $500 on
purchases in the first three months.

Standout shopping benefits: This card earns
1.5% cash back on all purchases, no ifs, ands or buts. It also
boasts an extended warranty that extends the time period of a U.S.
manufacturer’s warranty by an additional year, or an eligible
warranties of three years or less. Better yet, rewards don’t
expire as long as your account is open.

That 1.5% cash back can become more valuable when paired with a
premium Ultimate Rewards card, such as the Chase Sapphire Preferred
Card
or Chase Sapphire
Reserve
. With those cards, you can make the points earned by
the Freedom Unlimited fully
transferrable Ultimate Rewards points
worth up to 2 cents
each.

Further reading:

The Amex EveryDay®
Preferred Credit Card from American Express
(Photo by The Points Guy)
(Photo by The Points Guy)

Annual fee: $95

Welcome offer: 15,000 American Express
Membership Rewards points after you spend $1,000 in the first three
months of account opening.

Standout shopping benefits: If you make 30 or
more purchases in a billing cycle, you’ll earn an additional 50%
Membership Rewards points on your purchases. Keep in mind, though,
that if you use it 29 times or less, you’ll get the standard 1x
Membership Rewards points on all purchases, instead of the 1.5
points.

The information for The Amex EveryDay® Credit Card from
American Express has been collected independently by The Points
Guy. The card details on this page have not been reviewed or
provided by the card issuer.

Further reading:

Chase
Freedom
(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Annual fee: $0.

Welcome offer: Earn $150 after you spend $500
on purchases in the first three months of account opening.

Standout shopping benefits: The Chase
Freedom’s main draw is its rotating bonus categories. Every
quarter,
Chase releases a list
of categories that the card will earn 5%
cash back on — and typically, at least once per year, department
stores are included in the mix. You’ll have to
register on Chase’s website or app to participate
, but it’s
a seamless process and only takes a few minutes. You’ll earn 5%
cash back in rotating quarterly categories on the first $1,500 in
purchases each quarter you activate.

Better yet, if you have a Chase
Ultimate Rewards 
card — such as the Chase Sapphire
Reserve
, the Chase Sapphire Preferred
Card
or the Ink Business Preferred
Credit Card
— you’ll be able to pool your rewards and
redeem them for travel through the Chase
Ultimate Rewards portal
, or transfer to one of Chase’s
airline or hotel partners for even more value.

Further reading:

American
Express® Gold Card
(Photo by Isabelle Raphael / The Points Guy)
(Photo by Isabelle Raphael / The Points Guy)

Annual fee: $250 (see
rates and fees
).

Welcome offer: 35,000 Membership Rewards points
after you spend $4,000 in purchases in the first three months of
account opening — worth $700, according to
our valuations
.

Standout shopping benefits: The Amex Gold Card
is typically a top pick for the food-obsessed among us, thanks to
the 4x bonus points you’ll earn on dining worldwide and at U.S.
supermarkets (on the first $25,000 in purchases each calendar year;
then 1x), but it also has a trick up its sleeve when it comes to
online shopping: purchase protection. This is the card you’ll
want to use for any big orders (think: furniture) or anything
marked final sale. That’s because you’re covered by up to
$10,000 in purchase protection coverage per item (excluding natural
disasters). Many people believe American Express has the least
painful claim process, too, so this can really come in handy. It
doesn’t exclude items that are lost or misplaced.

You’ll also get extended warranty protection (one additional
year for items with original manufacturer’s warranty of five
years or less).

Further reading:

Amazon
Prime Rewards Visa Signature
(Photo by The Points Guy)
(Photo by The Points Guy)

Annual fee: $0.

Welcome offer: It varies, but currently we see
an offer for $70 Amazon gift card valid for purchases at Amazon
that is available as soon as you are approved.

Standout shopping benefits: You’ll get 5%
cash back on Amazon.com and Whole Foods Market, plus 2% cash back
at restaurants, gas stations and drug stores. It also comes
with purchase
protection
 up to $500 per claim and $15,000 per account,
and extended
warranty protection
 that provides an
additional year of coverage
 on eligible purchases with a
manufacturer’s warranty of three years or less.

You’ll have to be a Prime member to be eligible to get the
card — but if you are, there’s little reason not to apply if
you are a frequent Amazon shopper.

Further reading:

The information for the Amazon Prime Rewards’ cards has been
collected independently by The Points Guy. The card details on this
page have not been reviewed or provided by the card issuer.

U.S.
Bank Cash+ Visa Signature Card
(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $0.

Welcome offer: $150 in cash back after
spending $500 in net purchases within 90 days of account
opening.

Standout shopping benefits: You earn 5% cash
back by selecting from one of 12 merchant categories each quarter.
You’ll receive the 5% cash back on your first $2,000 of eligible
spending each quarter. The categories include everything from TV,
internet and streaming services to gyms and fitness centers — and
of course, department stores and select clothing stores.

That makes it a great contender for online shoppers who are
looking to earn some cash back on their purchases

Further reading:

Capital
One® Spark® Miles for Business
(Photo by Eric Helgas for The Points Guy)
(Photo by Eric Helgas for The Points Guy)

Annual fee: $95, waived the first year.

Welcome offer: You can earn 50,000 miles after
you spend $4,500 in the first three months of account opening —
worth $700, according to
TPG valuations
.

Standout shopping benefits: The Capital One
Spark Miles for Business card is one of the few small business
credit cards on the market that still offers price
protection
. Price protection differs from purchase protection
in that it’s essentially an insurance policy against a price drop
on an item you just bought.

For example, let’s say you buy a pair of shoes at
Bloomingdales (using your airline’s shopping portal or Rakuten,
of course). A few days later, you notice the shoes are discounted
even more at Nordstrom. If you used your Spark Miles for Business
card, you’ll be eligible to get reimbursement for the difference
between what you paid and the better price you found.

Further reading:

The
Platinum Card® from American Express
(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Annual fee: $550 (see
rates and fees
).

Welcome offer: 60,000 points after you spend
$5,000 in purchases in the first three months of account opening
— worth $1,200 according to
TPG valuations
.

Standout shopping benefits: Aside from
lounge access
, Uber
credits
,
airline fee credit
and more
perks that come with the Amex Platinum
, the card also boasts a
very unique benefit: an up to
$100 annual credits to Saks Fifth Avenue
.

The credit is available in the form of two $50 statement credits
per year. Your first $50 statement credit is available from July 1
to Dec. 31 and your second $50 statement credit is available from
Jan. 1 to June 30. You need to enroll your Amex Platinum Card for
this benefit to take effect, which you can do through your Amex
account online.

As an added bonus, the credit now applies to purchases made
at Barneys
by Saks
 as well.

You’ll only earn 1x points on online shopping purchases, but
hey — a shopping discount is always a win in our book.

Further reading:

For rates and fees of the Amex Gold Card, click
here
.
For rates and fees of the Platinum Card, please click here

Featured photo by Tevarak Phanduang/EyeEm/Getty Images.

Source: FS – All-Travel destinations-News2
These are the best cards for online shopping