10 Best Credit Cards for Shopping in September 2022
There’s never a good time for the credit card company to raise your interest rate. But it is good to know that long before the rate hike, you can find a new credit card that will offer you lower rates on groceries, gas, and other purchases as well as no annual fees.”
We’ve created this list of credit cards that are best geared towards shopping needs. Our research has indicated these may be some of the most popular credit cards in September 2022. We’ve also highlighted which credit cards have the best rewards.
1. Citi Double Cash Card
The Citi Double Cash card is one of the best cash back credit cards, and it’s even better now with a 18 month BT offer. This card earns you 1% when you make your purchase, and another 1% when you pay it off. Few other cards in our list can beat these rewards, and there are no annual, balance transfer or foreign transaction fees.
Before applying for a Citi Double Cash card, you need to make sure if it really is the best fit for you. It is ideal for people who pay off their total balances each month, or those who have high utility bills.
Besides cash back rewards, this card offers a 0% introductory APR period of 18 months on balance transfers and purchases. No annual fee makes it even more appealing. But remember that if you carry a balance from month to month, monthly interest charges will cancel out your cash back rewards.
If you don’t want to make a purchase from a physical store, then it’s important to compare this card with Amazon.com Rewards Visa Signature Card. However, remember that when you make a purchase using your Amazon account for purchases of $50 or more, you’ll get 5% cash back on those purchases instead of 3% (as long as there are no monthly spending limits) that comes with the Citi Double Cash card.
2. Fidelity Rewards Visa Signature Card
If you want to earn points for your everyday spending on a credit card, then this is the one for you: Its rewards program lets you earn 2 points for every dollar spent—one point at a time, but two times per dollar spent. The Fidelity Rewards Visa Signature Card is issued by Metropolitan Commercial Bank pursuant to license by MasterCard International.
Don’t miss out on your chance to earn up to 50,000 bonus points with the Fidelity Rewards Visa Signature Card. For every 250 points you accumulate, you’ll get $1 in redemption value. And remember, the more points you earn, the more great rewards your future holds.
The card offers a 0% Introductory APR on purchases and balance transfers for 12 months (13.99% – 17.99% variable APR after that), and is perfect for those who don’t want to be tied down with an annual fee. The card has no late fees, no overlimit fees, and no foreign transaction fees — perfect for those who travel internationally.
3. Capital One SavorOneSM Cash Rewards Credit Card
The SavorOneSM Cash Rewards Credit Card from Capital One is a great way to earn cash back for every purchase you make, every day.
Enjoy 1% cash back on all your purchases, plus an additional 2% at restaurants and gas stations. You’ll also get 25% more cash back each time you redeem your rewards, giving you the chance to save even more while eating out or filling up your tank.
And all this comes with no annual fee, no balance transfer fee, and no foreign transaction fee – so whatever you want to buy matters less than what card helps you buy it the most. This card is designed for people with good to excellent credit. Please check your credit score before applying.
4. BankAmericard Cash Rewards Credit Card
If you’re looking for a credit card that pays you to spend, this BankAmericard Cash Rewards Credit Card for Shopping is the one for you. If you spend $1000 in the first four months, this card will give you $200 cash back.
Plus, it gives a 1% rewards rate on purchases – that’s 2% total when combined with cash back! There are also no annual fees and a 0% introductory APR.
The BankAmericard Cash Rewards Credit Card for Shopping has a very low introductory APR of zero percent for the first 15 billing cycles and then it will be subject to the standard 3% interest rate.
That’s a huge difference from other cards that have an introductory 0% APR period (such as the Citi Simplicity Card and Visa Signature Card, but then have a 0% limit on their terms).
Moreover, it gets you cash back without having to pay any interest. You can bank this money if you want to put it in a savings account or even put it back on your credit card – we do it all the time.
5. Starwood Preferred Guest Credit Card
A Starwood Preferred Guest Credit Card from American Express offers many benefits, including a free trip after the card is used for $10,000 in purchases within the first 6 months. But that’s not all! By using your card on eligible items, you can also take advantage of member-only offers and discounts. Discover just how much you can save when you use your card for shopping.
When you use your Starwood Preferred Guest Credit Card from an American Express card, you’re automatically enrolled in SPG Benefits, and many of these perks are just for shopping. As an SPG member, not only will you be able to earn Starpoints on your purchases, but you can also take advantage of exclusive offers and discounts.
Special Membership rewards allow you to earn starpoints for your everyday purchases, 2 Starpoints on every dollar you spend at participating SPG hotels and 1 Starpoint on all other eligible net purchases.
6. Target REDcard
We all have the occasional need to go on a big shopping spree and Target REDcard offers a great way to save money while you are going big on shopping. Target REDcard can be used to purchase anything from groceries at Target, clothing, and home goods.
The card also has two fantastic features that can’t be ignored: 5% off your purchases every day (for guests) and an extra 30% off already-reduced merchandise every day, including online price matches with competitors.
7. Blue Cash Preferred Card from American Express
Even though the card is marketed towards people who love to shop, it offers many other useful benefits including a $250 travel credit, up to a $200 airline incidentals and baggage fee credit, and 4% cash back at U.S. supermarkets.
You could save as much as 35% in over more than 1000 stores nationwide by using the Blue Cash Preferred Card from American Express.
If you are a frequent flyer, the no foreign transaction fee feature may be appealing.
The Blue Cash Preferred Card from American Express comes with a 25-month variable APR (currently 14.24%-24.24%) and a $95 annual fee that is waived for the first year. The card includes purchase protection, extended warranty and price protection.
It also comes with a 0% introductory APR for 12 billing cycles on purchases and balance transfers when you make your first five monthly payments on time after account opening. It has no annual fee for the first year, then $95.
The Blue Cash Preferred Card from American Express also offers a Sign-Up Bonus. If you make your first purchase within three months of opening your account, you can earn $150 cash back – that’s a $50 statement credit towards your card bill.
There is no limit to the amount of cash back earned on everyday purchases with the Blue Cash Preferred Card from American Express after that initial $150 statement credit. You can earn up to 5% in cash back on up to $6,500 per year in purchases at U.S. supermarkets on up to $60,000 per year in the U.S.
8. Barclaycard Arrival.
If you have never used a credit card before, it might be best to start with something simple. You can find the most popular credit card in the UK – Barclaycard Arrival Credit Card for Shopping – at these rates. Unlike other rewards cards that offer only points, you earn cash back on your purchases when using this card.
If you want to buy stuff for yourself or others, make sure to exchange it into pounds through a Barclaycard Cash Generator and pay nothing until you are ready.
The card is available with no monthly charges and no annual fees and if ever in doubt, contact Customer Service with questions about responsibility before making any purchases if you need more assurance than what is offered on their website.
This card has no annual fee. It also offers flexible payment options such as the Barclaycard Cash Generator and the Barclaycard Plus Reward Card, among others. With it, you can set up a payment schedule that works for you.
You earn reward points based on your purchases and card usage. There are no blackout dates or limits with this credit card that makes it great for booking flights, hotels, or other travel reservations to almost any country in the world. Unused reward points never expire as long as you don’t cancel your credit card account with them and maintain your good standing with them.
9. Discover it Cash Back
The Discover it Cash Back Credit Card is a great card for those who enjoy shopping. The card offers cash back on purchases, which does not expire and is easy to redeem. These features, combined with the competitive interest rate of 11%, make for a good deal.
Someone who likes to regularly shop might like the cash back rewards and competitive interest rates of this credit card. There are no foreign transaction fees, but you’ll need excellent credit to qualify for the Discover it Cash Back Credit Card without a security deposit or an annual fee.
The Discover it Cash Back Credit Card is one of the few cards that offer cash back rewards. You can use your cash back rewards as direct deposits to your account, or simply allow them to roll over for more valuable rewards in the future.
Cash back rewards can be used to make purchases on most major retailers that accept Visa credit cards.
The card is also a good choice if you shop online because it has no foreign transaction fees and interest rates are very competitive. You can deposit your cash back rewards directly into a bank account, or redeem them in the form of credits to your account, checks, or gift cards. Your credit line will automatically increase by $25 each time you redeem rewards.
The Discover it Cash Back Credit Card has a low annual fee of $0. You’ll also get a 0% introductory APR on balance transfers and purchases for the first 6 months after opening an account.
Balance transfers must be made within 60 days of opening your account to qualify for the introductory rate. After that, the APR is variable at 13.99% – 23.99% depending on your creditworthiness and other factors.
10. Chase Freedom Unlimited
With the Chase Freedom Unlimited card, you will get a 0% APR on all purchases and balance transfers made within the first 15 months. The card also offers 5% cash back on up to $1,500 in purchases in bonus categories each quarter and 1% cash back on all other purchases.
The Chase Freedom Unlimited card also offers a sign-up bonus. In order to be eligible for the card, you have to have a Chase Slate spending account, which can be opened at any time.
The Chase Freedom Unlimited Credit Card comes with an annual fee of $0 for the first year, and then $95 per year.
If you are not happy with the card, you can cancel it after your first year by paying the cancellation fee: $0 for the first year and then $95 per year. If you need to add other cards to your spending account, there is no extra charge when adding them later.