10 Best Credit Cards for Online Shopping in 2022: What You Need to Know Now to pick the one for Walmart, Grocery & Fuel

Shopping is an enjoyable pastime, but it can also be a significant source of stress. With ever-increasing prices and limited resources, you might feel like you never have enough money to buy the things you want. If this is your experience, you’ll be interested in learning about some credit cards that offer shopping discounts. In this blog post, we’ll cover 10 of the best credit cards for shopping in 2022 and give a rundown on what each one offers.

With the rise of e-commerce, there has been a significant increase in credit card transactions. This year, it is estimated that online shopping will surpass brick and mortar sales for the first time.

As a result, many traditional retailers are going bankrupt or consolidating to stay afloat. This means that merchants may not always accept your favourite cards at checkout. It’s essential to understand what makes a great credit card for shopping before you purchase online.

Before selecting the right credit card for shopping in 2022, look into these details.

Annual Percentage Rate (APR). That is the cost of borrowing on the card, if you don’t pay the whole balance off each month

Minimum repayment
Annual fee
Hidden Charges

Introductory interest rates
Loyalty points or rewards
Cash back

Read: Review of 10 Best Credit cards for balance transfer in 2022 with no transfer fee

What do you need from a credit card?

First, you need to identify what you need from a credit card. Do you want a card that offers rewards points for every dollar spent? Or perhaps an interest-free plan? Maybe you need a card that will allow you to make purchases internationally. It’s essential to decide what features are most important before you compare cards.

One of the essential features to look for in a credit card is the interest rate. The interest rates associated with credit cards can vary greatly. In general, if you have a high credit score, you will be offered a lower interest rate. On the other hand, if your credit score is down, you will be offered a higher interest rate.

You may also want to take a look at the penalty fees associated with your credit card. If an account is not paid on time, the account holder could incur late payments or a higher annual percentage rate (APR). It would help if you considered these factors before signing up for a credit card.

Lastly, it may be worth it to look for a card that offers rewards points. Some cards offer reward points for every purchase, while others offer rewards points only on certain purchases. You should compare different cards to find the one that suits your needs best.

How to navigate the world of credit cards?

First, you’ll need to understand the terms and conditions of your credit card. What are the fees? What are the promotional periods? What are the different types of rewards?

Second, you’ll need to understand what you want out of your Card. Do you want cashback? Do you like travel rewards? Do you want to build credit?

Finally, you’ll need to compare the cards you’re considering. Look at the different fees, rewards, and other terms and conditions. Which Card benefits your needs best?

A credit card is just like any other financial decision. It should be well researched and considered before making a final choice. You agree to an annual percentage rate (APR) when you enter into a credit card agreement.

That APR can vary depending on your credit score, your credit limit, and any introductory offers, so it’s essential to consider all aspects of your credit card before signing on the dotted line.

Read: 10 Best Credit Cards with No Annual Fees in 2022

Find a cashback card for online shopping in 2022

One of the most important things to consider is whether or not the Card will be accepted at the place you want to shop. Cashback cards are a great option because they offer rewards for shopping. For example, you may earn 1% cashback every time you shop at your favourite retailer, which will add up over time.

Another option is a card that offers rewards for every eligible purchase. This could be in the form of points, miles, or cashback. You can then use these points or miles to get rewards for other investments. For example, you may earn 2x points on every purchase you make with your credit card.

Reward cards are also a great option if you are trying to finance a big purchase. Some cards offer 0% APR on big-ticket items like cars or furniture purchases. You can earn extra points or cashback by making your purchase with your credit card.

But don’t forget to consider the fine print!

The 10 Best Credit Cards for Shopping in 2022

1. The Chase Freedom Unlimited

The Freedom Unlimited is a sound card for someone looking for a cashback card that will be great for shopping and travel. The Card has a 0% APR on purchases and balance transfers for the first 15 months. It also has a cashback rewards program that can give you an unlimited cashback rate.

The cashback rewards program will give you a cashback rate of 1.5%. However, you can get a cashback rate of 1.25% when you sign up for paperless billing and make a minimum of 30 transactions each month. Freedom Unlimited has no annual fee and no foreign transaction fees.

2. American Express Blue Cash Everyday Card

American Express Blue Cash Everyday Card is a cashback credit card. You get 3% cash back on purchases at supermarkets and 2% cash back at gas stations and department stores. Most importantly, it has no annual fee, which makes it relatively cheap to get.

1% cashback on all other purchases. There is a 0% intro APR for 12 months on purchases and balance transfers. The standard APR is 14.24% – 24.24% Variable after that. There is a 3% balance transfer fee if you transfer a balance within three months of opening your account.

3. Capital One Quicksilver

The Quicksilver card is a combo between a visa debit card and a reward card. You can use it for shopping at any store accepting a visa. You can also use it to withdraw cash at any ATM without any charge or transfer money to another person’s account.

You get 1 percent cashback on every purchase you make. If you make 20 purchases in a month, you get 20 per cent cashback. You can use this 20 per cent cashback for payments to your capital one credit card bill. If you pay off your account in full, you get 1.5 percent cash back instead of 1 per cent cashback. The Card has no annual fee. The Quicksilver card can be used in addition to your regular credit card for purchases.

4. Citi Double Cash Card

It’s great that you are looking for more details on this. It’s currently offering 2% cashback (1% on the purchase and another 1% when you pay the bill). It has no annual fee, no foreign transaction fees.

You can even get an additional 25% customer cashback when you sign up for Citi ThankYou Premier (my Citi ThankYou Premier review here ). Also, if you refer a friend (who gets approved), you will get $50.

The only things that you would like to see improved are no 3% foreign transaction fees and the ability to earn statement credit (to use toward the bill payment) and pay at least 5% cashback (for everyday purchases). I just wanted to share this as many people (including me)don’t take full advantage of this Card.

5. Citi Simplicity Card

A Citi Simplicity Card is a good card for shopping. It can earn 1.5% cashback on everything you buy, including gas, groceries, and travel. It has no annual fee. You only need to pay a 3% balance transfer fee on new purchases and a cash advance fee of 4.99%, instead of the usual 5.99%. For balance transfer, there is no fee for the first 60 days. After that, there is a 3% fee. There is no fee for cash advances. There is also no foreign transaction fee.

6. Discover It Card

Discover cashback credit cards increase spending power and cashback. Cashback credit cards are a great way to earn cashback on purchases that you would make. It also helps you pay off your card balance every month, which is a must for anyone with credit card debts. If you’re looking for an alternative to cash back cards, then use a cash back credit card and pay with cash and not with your credit card.

Discover it Card offers an unlimited 1% cashback on all purchases with an introductory offer of a $100 cash bonus after you spend $3000 on purchases in the first three months. Plus, Discover matches up to $2000 cashback for the first 12 monthly billing cycles.

7. P. Morgan Chase Slate

Chase Slate is a credit card for those who want to focus on paying down their debt. The first thing you’ll notice about Chase Slate is that it doesn’t have a rewards program. That’sThat’s right; this Card doesn’t offer cash back or points on purchases.

Instead, it’s designed to be a debit card for those who have debt from other credit cards. This is a good card for those with a big balance on their credit cards and who want to focus on paying it off as quickly as possible. The Slate card does earn rewards points. The Card offers 1 point per $1 spent. The Card also has a rotating category of 5%. This can be anything from grocery stores, clothing stores or restaurants.

This offers an excellent incentive to do some of the spendings that students may not always afford. It allows students to rack up rewards points quickly and easily.

8. Discover It Miles

The Discover is one of the best bonus reward cards available today; if you are a big spender, this is the best option available today. Apart from the bonus rewards, it has good benefits like extended warranty, auto rental coverage, purchase protection, extended warranty.

9. Barclaycard CashForward World MasterCard

It’s an excellent card for those who love to shop. At the beginning of every billing cycle, you’ll get 1.5% cashback on all your purchases. You can redeem your cashback for a check, statement credit or usable at select merchants.

The Card also comes with a 0% intro APR on purchases and balance transfers for 15 months and no annual fee. The signup bonus is $200 after spending $1,000 in purchases within the first 90 days of account opening.

10. Wells Fargo Cash Wise

The Wells Fargo Cash Wise is a plain vanilla cash back credit card. The signup bonus is low at $100, but the rewards rate is pretty good – 1.5% on all purchases.

The Cash Wise card has a nice rotating 5% cash back category. The first quarterly category is always popular – gas and groceries. With the Cash Wise card, you can redeem rewards at any time, or you can set up automatic redemptions for any amount.

For example, if you had $100 in rewards, you could automatically redeem it for a statement credit of $100. As with all Wells Fargo cards, you also benefit from an introductory 0% APR on purchases and balance transfers.

Conclusion

If you’re looking for a sound credit card for shopping, there are many to choose from. Remember, you can use our guide to find the best credit card for your needs. Check out the post to learn more about what to look for and what kind of cards are available.

As long as you do your research and find a card that works best for your needs, you should be able to find a credit card that makes shopping a breeze.