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If you are reading this article, it means you are online. If you’re like millions of others online, you’ve probably bought from a website. When it comes to online shopping, the sky is the limit for what you can buy with just a few clicks. If online shopping is part of your routine, it makes sense to have a credit card that gives you a percentage back on your spending. InsourceTimes analyzed the details to prepare a list of the best credit cards for online shopping. Here are our top picks. The best credit cards for online shopping in USA for 2022.

What Is a Shopping Credit Card?

Credit cards in general are used to pay for purchases, including when you shop for goods and services. Some credit cards offer specific benefits related to the act of shopping like elevated rewards or purchase protections. If you typically do a lot of shopping in stores or online, it may make sense to have a credit card that offers benefits specific to your shopping needs.The best credit cards for online shopping in USA for 2022.

Best Credit Cards for Online Shopping List

Best Credit Cards for Online Shopping

1.Amazon Prime Rewards Visa Signature Card *

If you’re already a paying member of Amazon Prime, you’ll need to sign up for the Amazon Prime Rewards Visa Signature Card*. This card allows cardholders to earn a higher cashback rate on Amazon.com and Whole Foods purchases with no annual fee, while Prime membership is required.

Rewards: 5% cash back in rewards at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% cash back at restaurants, gas stations and drugstores and 1% on all other purchases

Annual Fee: $0 with Prime membership

Welcome Bonus: Amazon.com gift card instantly on card approval instantly upon approval

Other Benefits and Drawbacks: Prime membership includes free two-day shipping and same-day shipping when available. No other card offers better rewards for Amazon and Whole Foods spending. But if you don’t shop on Amazon or you’re a Prime member, this card isn’t for you.The best credit cards for online shopping in USA for 2022.

2.Alliant Cashback Visa Signature Credit Card *

The Alliant Cashback Visa Signature Credit Card* offers stellar earnings for those who join the credit union and maintain an average daily balance of at least $1,000 in their Alliance high-rate checking account.

Rewards: up to 2.5% cash back with no categories to track on up to $10,000 in purchases each billing cycle with qualifying accounts. All other purchases earn 1.5%

Annual Fee: $0

Welcome Bonus: This card does not offer a welcome bonus

Other Benefits and Drawbacks: The card comes with an unbeatable 2.5% cash back rate on up to $10,000 in monthly purchases for eligible accounts (1.5% later), but you must join the credit union and maintain at least $1,000 in balance with Alliant to be eligible to apply. High fee checking account.The best credit cards for online shopping in USA for 2022.

3.Amazon Rewards Visa Signature Card *

Amazon.com is the world’s largest online retailer. If you find yourself shopping there often, you should make sure you have a credit card that offers a healthy bonus for doing so. Amazon Rewards Visa rewards are the most generous credit card rewards offered year-round to Amazon customers without a Prime membership.

Rewards: 3% cash back in rewards at Amazon.com and Whole Foods Market, 2% cash back at restaurants, gas stations, and drugstores and 1% cash back on all other purchases and best credit cards for online shopping in USA for 2022..

Annual Fee: $0

Welcome Bonus: An Amazon.com gift card instantly on card approval instantly upon approval

Other Benefits and Drawbacks: If you’re looking to finance a large online purchase, this card, like its sibling, the Amazon Prime Visa Signature Card, has an interesting offer instead of rewards. This card does not offer traditional introductory APR. Instead, cardholders can avoid earning rewards on eligible Amazon purchases for six to 18 months of equal monthly payments on qualifying purchases of $50 or more for a period of 0% APR, which varies from 16.49% to 24.49% after that. applicable. A balance transfer fee of $5 or 5% of the amount of each transfer, whichever is greater, applies.

4.U.S. Bank Cash+® Visa Signature® Card *

The card lets you choose which eligible categories you receive each quarter, and bonus category options make sense for many online shoppers. For example, “electronics stores” includes most online purchases from BestBuy.com and the Apple Store, as well as online purchases at “department stores” such as Kohl’s and Macy’s.

Rewards: 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 2% cash back on one everyday category such as gas stations, grocery stores or restaurants, and 1% cash back on all other eligible purchases

Annual Fee: $0

Welcome Bonus: $200 rewards bonus after spending $1,000 on eligible purchases within the first 120 days of account opening

Other Benefits or Drawbacks: The card has the ability to offer solid cash back, especially when paired with other credit cards, but it will take some effort to maximize. The biggest potential downside of this card for some is the spending cap in spending in your chosen categories each quarter. The best credit cards for online shopping in USA for 2022.

5.Chase Freedom Flex℠

The Chase Freedom Flex allows cardholders to earn increased cash back up to a quarterly limit of $1,500 in revolving categories. New applicants may be eligible for a generous welcome bonus, and new cardholders receive a 0% introductory APR for 15 months. The introductory balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater for the first 60 days, then $5 or 5% of the amount of each transfer, whichever is greater.

Rewards: 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all other purchases.

Annual Fee: $0

Welcome Bonus: $200 bonus after spending $500 on purchases in the first 3 months from account opening

Other Benefits or Drawbacks: The Freedom Flex comes with purchase protection against damage or theft and extended warranties on eligible items that come with a manufacturer’s warranty, which could help you save money if some of your online purchases are damaged or otherwise unusable.

6.Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card delivers simple cash back on every purchase, eliminating the need to track categories or limit spending. The introductory 0% APR offer is helpful for bulk buyers. Get 0% introductory APR for 15 months after account opening on purchases and qualifying balance transfers, then variable APRs of 17.99%, 22.99% or 27.99% apply. Balance transfers made within 120 days qualify for the introductory rate plus a 3% fee, then up to a 5% fee, with a $5 minimum applicable. The best credit cards for online shopping in USA for 2022.

Rewards: 2% cash rewards on purchases

Annual Fee: $0

Welcome Bonus: $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Other Benefits and Drawbacks: The card comes with a sweet money-saving extra: Up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your card, subject to a $25 deductible. But the card’s 3% foreign transaction fee means it’s not a great choice for shopping online with overseas sellers.

7.Amazon Business Prime American Express Card *

If you’re a business owner who spends a lot of money on Amazon Business, AWS, Amazon.com or Whole Foods Market, apply for the Amazon Business Prime American Express Card*. Not only can you earn a higher cash-back rate when you use the card to make eligible Amazon purchases, but you can also earn an Amazon.com gift card upon approval for the Amazon Business Prime American Express Card.

Rewards: 5% back in rewards or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership.A 5% rewards rate applies to the first $120,000 in purchases each calendar year. Earn 2% on wireless phone services purchased directly from US restaurants, US gas stations and US service providers and 1% on other purchases

Annual Fee: $0, but a Prime Business membership is required.

Welcome Bonus: Amazon.com gift card upon approval for the Amazon Business Prime American Express Card

Other Benefits and Drawbacks: The 5% rewards rate is capped at $120,000 in purchases each calendar year so bigger spenders may fare better with a different option. But for those who can take advantage of the card’s 90-day financing option in lieu of earning rewards, it’s a great way to get interest-free breathing room on spending.

8.Fidelity® Rewards Visa Signature® Credit Card *

The rewards of the Fidelity® Rewards Visa Signature® Credit Card* are unique not only because the card earns 2% flat rate cash back on every eligible net purchase, but also because you can earn rewards as a deposit in some non-traditional ways. Including deposits into any qualified fiduciary account, including IRAs and 529 plans, but also deposits by check, statement credit or at another bank. You can deposit them as gifts into someone else’s qualifying loyalty account, and the other person will be rewarded for shopping online for you.

Rewards: 2% cash back on every eligible net purchase

Annual Fee: $0

Welcome Bonus: This card does not offer a welcome bonus

Other Benefits and Drawbacks: The ability to only take your rewards into a qualifying Fidelity account can be a benefit or a drawback depending on how you’d hoped to use your rewards.

9.Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards Credit Card offers several categories to choose from as “selective” categories that can earn you more cash up to a combined quarterly cap, one of which is online shopping. This choose-your-own rewards system is great for people who shop online a lot one month and spend more money elsewhere the next.

Rewards: 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Annual Fee: $0

Welcome Bonus: $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening

Other Benefits and Drawbacks: With Bank of America’s Preferred Rewards program, those earning rates can be increased by as much as 75% by keeping a significant chunk of cash in eligible accounts. Without Preferred Rewards, other cards may offer better return for your spending. best credit cards for online shopping canada.

10.Target RedCard™ Credit Card *

The Target RedCard™ credit card* hits the bulls-eye for frequent shoppers within its red-accented walls. You can find everything you need in-store or through an online platform, and card ownership means an advance discount.The best credit cards for online shopping in USA for 2022..

Rewards: 5% off Target in store or online purchases.

Annual Fee: $0

Welcome Bonus: This card doesn’t offer welcome bonus

Other Benefits and Drawbacks: Since it’s a store card, it can’t be used outside of the Target ecosystem.

How to Use a Credit Card for Shopping

Using a credit card for shopping works just like using a credit card for any other type of purchase you make. Ideally, you’ll use a card that earns rewards for your purchases and comes with purchase protection and/or extended warranty coverage.

How to Use a Credit Card for Online Shopping

When shopping online, it is a better idea to use a credit card instead of a debit card. This is because credit cards usually come with better fraud protections and other safeguards that protect you from fraudsters. When you see a charge on your credit card statement that you don’t recognize, you can dispute the charges. Although you can usually do the same with a debit card, the money will leave your linked bank account until the issue is resolved in your favor.

How to Stay Safe When Shopping Online

Ideally, any online shopping you do should be limited to sites you know and trust. Entering your credit card information into an unknown online store to make a purchase can add unnecessary risks to the security of your account. The best credit cards for online shopping in USA for 2022. But even the biggest retailers have had security breaches and may want to consider identity theft protection for your credit cards and other sensitive financial information. best credit cards for online shopping canada.

The best credit cards for online shopping in USA for 2022. Most credit cards offer some fraudulent identification coverage, where you’re not responsible for charges on your account that you didn’t make. Signing up for a credit monitoring service and/or purchasing identity theft insurance can help give you more peace of mind when shopping online.