10 Best Credit Cards for Amazon and Online Shopping in 2022
When it comes to shopping, people often find themselves with a dilemma: should they use their credit card or cash? While cash is more secure (it’s difficult to hack), using your credit card can be better for the long term.
Online shopping has become the norm for many people. Since it’s so easy to purchase items with just a few clicks, it’s no wonder that online shopping has taken off.
Not only do you not have to leave the house, but you can also compare prices and products across different retailers. One of the best parts is that your order will be shipped to you!
But now that everything is digital, some risks come with ordering online without thinking about it first. Here are ten credit cards that will help protect your purchases from fraud and ensure your transactions are safe.
How Can Credit Cards Help?
You may be wondering how a credit card can protect your purchase. The answer is simple: you can make your purchase without exposing your bank account information by using a credit card. You may be wondering what the difference is between a debit card and a credit card. As the name suggests, a debit card withdraws money from your bank account as soon as you use it to buy something. In this situation, you’re still exposing your bank account information to the retailer.
This information is easy to find and access, making it an attractive target for hackers and fraudsters. On the other hand, a credit card uses a pre-paid balance to pay for a purchase. This means that your bank account information is not being shared with the retailer.
In the case of fraud, the credit card company will be responsible for canceling the charge and refunding your money. In the case of a debit card, you’re on the hook for any fraudulent activity or purchases made with your account. And that’s just scratching the surface of how credit cards can help!
Credit cards offer additional features that debit cards don’t, such as no transaction fees, rewards programs, and more if you want to protect your purchases.
Tips for Safe Online Shopping
- Despite the convenience, shopping online does come with some risks. Here are some tips to keep in mind to help you stay safe when shopping online.
- Give Yourself Time: Don’t rush through your digital shopping experience. Take time to think about who you’re purchasing from, the return policy, and the shipping costs.
- Check for Security: Check for security features like “HTTPS” in the URL of the site you’re ordering from. This means that the site has encryption to help protect your credit card information.
- Look for Verified Certificates: Look for the logos of trusted authentications, like VeriSign, at the bottom of the order form.
- Read Reviews: Read reviews of items you’re interested in. If you’re ordering clothes or shoes, search for reviews on sizing and comfort features.
- Don’t Enter Sensitive Information: Don’t enter your credit card information on an unsecured site. If there’s a little green “Secure” icon next to the site’s URL, it’s safe to enter your credit card information.
- Look for Security Features: Look for security features like “HTTPS” in the URL of the site you’re ordering from. This means that the site has encryption.
Top Ten Credit Cards for Amazon and Online Shopping in 2022
1. Capital One Secured MasterCard
Capital One MasterCard is designed for people with bad credit. If you get approved, you get a low credit limit and a high-interest rate. Capital One Secured MasterCard is offered to people with poor credit. It is designed for people who are looking for an easy way to build their credit score.
It doesn’t come without its restrictions, though. You will be required to make purchases in increments of $200 or more (with a maximum of $1,000 in purchases in any billing cycle) and pay the balance in full each month. If you can afford to do this, then this card is for you.
If you don’t pay your bill on time, your interest rate goes up. If your security deposit is too low, you get charged a fee of $29.00. This card is not designed for people who want to shop online.
2. Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is a rewards card that gives you 1 point for every dollar you spend and 1 point for every $2 you spend on travel and dining. For every 50,000 points you earn, you get $500.
The Sapphire Preferred from Chase is a favorite for online shoppers, especially thanks to its increased rewards rates, which can add up quickly,
There’s a big signup bonus – 40,000 points after spending $3,000 in the first three months – and a generous rewards rate of 2 points per dollar on travel and dining purchases and 1 point per dollar on all other purchases. This can make for many savings when you shop online since most big-name retailers have dining and travel categories that can offer you even more savings.
The $95 annual fee is waived for the first year. Finally, you’ll receive a $25 credit to use toward travel booked through Chase’s website.
3. Wells Fargo Propel World American Express Card
Wells Fargo Propel World American Express (WF AWARD CARD) is one of the best credit cards for online shopping as it offers up to 3x points on restaurants, gas stations, and airline tickets.
If you have a frequently used card, it is good to have a 3x category card. It is a rewards card, where you can earn a signup bonus of 20,000 points after spending $3,000 in the first three months.
It is a good deal as they will give you 50,000 bonus points after spending $3,000 in the first three months from the date the account is opened. You will start earning triple points on purchases at gas stations, restaurants, and airline tickets which is a great perk if you frequently travel.
4. Bank of America Cash Rewards Credit Card
Bank of America Cash Rewards Credit Card is one of the best credit cards available in the market. The Bank of America Cash Rewards Credit Card is one of the most popular online cards. It comes with a 1% cashback on all purchases, 2% cashback on general purchases, 3% cashback on general purchases, and up to an additional 10% cashback when you redeem your earnings into a Bank of America account. It’s one of the best credit cards for online shopping and usually comes with a 20-25 percent signup bonus and an additional bonus for using it for purchases at certain places
The points will be awarded to your account after the month ends. This is one of the highest cashbacks available in the market. It offers one of the best signup bonuses in the market, providing you with $150 cashback when you spend $500 in the first 90 days of account opening.
5. Chase Freedom Unlimited
As you know, the Freedom Unlimited card from Chase offers 1.5% cashback on all purchases. That’s a pretty high cash back rate, and it’s undoubtedly among the best cash rewards cards out there. However, did you know that you can actually get a higher cash back rate on online shopping if you use the Freedom Unlimited card?
The card comes with the following purchase categories: 5% cashback on select categories (that can change quarterly) and 1.5% cashback on everything else.
Now here’s the kicker: you can get 5% cashback on online shopping if online shopping happens to be one of the select categories. People use this card to purchase a TV from Amazon and usually get approx 5% cashback.
The cashback credits promptly, and it does not require any extra effort. You can’t lose out if you don’t hit the 5% cashback mark but get around 3%, and you could always get 5% back on your purchases.
6. Barclaycard Arrival Plus World Elite MasterCard
There are many benefits of Barclaycard Arrival Plus World Elite Mastercard. Here are just a few of the reasons that people keep coming back to this great card. It has a huge signup bonus that you can use to meet many different kinds of goals. If you are buying a big-ticket item, all you have to do is put it on your Barclaycard Arrival Plus World Elite Mastercard, and you will get an incredible 3% cashback on every purchase.
You can use your points for vacation, or you can exchange them for cash or gift cards. You can even transfer them to other partners like United, Southwest, Jet Blue, and more. There is no fee for foreign transactions. This is beneficial for people who travel abroad often.
7. Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver card is a great card for online shoppers. It has no annual fee, and it has a good rewards program. You get one percent cash back for every purchase you make. However, you will get a ten percent cashback when you purchase from the website of any merchant. You can redeem your cashback at any time.
You can also redeem your cashback for any other Capital One card. Additionally, the credit card also provides you with two percent cash back at grocery stores. The best part of this card is that you will get one percent cash back on every purchase that you make. The interest rate of the card is twenty-one percent, but if you are a good payer, the interest rate might go down to eighteen percent.
8. Capital One Platinum Credit Card
The capital one platinum credit card is a great card for online shopping. I’ve had it for two years and so far so good. The interest rate is fairly high, and the fees are fairly expensive, but you get what you pay for. Capital One Platinum Credit Card has a lot of benefits. It allows shopping at home, gas stations and at restaurants.
The zero fraud liability and great rewards program make up for the high fees and interest rates. If you shop monthly, pay off the balance every month, the Platinum Card doesn’t have an annual fee. But if you have a Platinum Card, you may have to pay an annual fee, so it’s worth checking if you have one. The annual fee is $0.
9. Chase Slate
If you like to shop online and minimize your credit card cost, you can consider getting the Chase Slate credit card. This credit card gives you a $0 introductory fee for the first 60 days and a $0 annual fee. The best thing is that this card gives you an extremely low 9.99% APR for the first 15 months, and then it is adjusted to a variable APR of 17.99% to 25.99%.
This is one of the lowest APRs available right now. With the $0 introductory fee, you can save $450 on your first-year billings. This is one of the most flexible and easy-to-use credit cards out there. You can use this credit card for both online and in-store shopping. You can also use this card for many other purchases such as rent, mortgage, insurance and more. If you pay off your bill every month, you will never pay any interest fee.
10. Bank of America Travel Rewards Credit Card
The Bank of America Travel Rewards credit card is one of the best credit cards for online shopping. It has several features that make it stand out from the crowd. Firstly, it has no annual fee, which means that you enjoy its benefits for free.
Secondly, you can earn up to $150 in travel statement credits in your first year of card membership. Thirdly, you can earn 1.5 points for each dollar that you spend on all purchases. In the first year, it waives the annual fee and offers two points per dollar spent on travel or dining at restaurants and one point per dollar spent on all other purchases. So if you use it for online shopping, then you will earn bonus points that can be redeemed for travel statement credits.
It’s worth looking into all the credit cards above to see which one is best for you. If you’re someone who shops online often, it’s important to make sure your money is protected. You want to be able to shop with peace of mind and not worry about your personal information being stolen. A credit card can help you avoid these issues and will ensure that your purchases are safe.