Best Credit Cards for Everyday Shopping and Savings

If you're looking for a credit card that's perfect for everyday shopping, you'll want to consider one with a low interest rate and no annual fee. The Citi Simplicity Card has an impressive 21-month 0% intro APR and no annual fee, making it a great choice for those who want to avoid interest charges.

The Chase Freedom Unlimited Card offers 3% cash back on all purchases in your first year up to $20,000 spent, and 1.5% cash back on all other purchases. This means you can earn significant cash back rewards on your daily purchases.

For those who want to earn rewards on specific categories, the Discover it Cash Back Card is a great option. It offers 5% cash back on various categories throughout the year, such as gas stations, grocery stores, and restaurants, and 1% cash back on all other purchases.

If you're looking for a credit card that rewards your shopping habits, consider the U.S. Bank Shopper Cash Rewards Visa Signature Card. It offers 6% cash back on the first $1,500 spent each quarter with two retailers of your choice, including Apple.

This card is a great alternative to the Apple Card, allowing you to earn double the rewards offered by the Apple card. The 6% cash back rate is a significant incentive for frequent shoppers.

For those who prefer to shop at Best Buy, the My Best Buy Visa Card is a good option. New cardholders earn 15% cash back on their first Best Buy purchase, and 5% after, making it a good choice for high-dollar purchases.

Here's a quick rundown of some of the best credit cards for shopping:

The Blue Cash Everyday Card from American Express is a great option for everyday shopping. It earns 3% cash back at U.S. supermarkets, at U.S. gas stations, and on U.S. online retail purchases. This is a great perk for those who frequently shop online or at physical stores.

You can earn up to $6,000 per category per year in 3% cash back rewards, and then 1% after that. This means you can stock up on groceries and gas without worrying about running out of rewards.

One of the best things about this card is its flexible welcome bonus. You can earn a $200 statement credit after spending $2,000 in purchases on your new card in the first six months. This is a great incentive to start using the card right away.

Here's a breakdown of the rewards categories:

Overall, the Blue Cash Everyday Card from American Express is a solid choice for everyday shopping. Its rewards structure and flexible welcome bonus make it a great option for those who want to earn cash back on their purchases.

If you're a frequent Best Buy shopper, consider getting the My Best Buy Visa Card. You'll earn 5% cash back on your purchases, which can add up quickly.

This card is a great option for big-ticket items, as new cardholders get 15% cash back on their first purchase. That's a nice bonus to help offset the cost.

The interest rate on this card is variable, ranging from 14.99% to 30.49% APR. While that's not ideal, it's not the highest rate out there either.

One perk of this card is that there's no foreign transaction fee, since it's only for Best Buy purchases. However, you may be charged an annual fee, which can be anywhere from $0 to $59, depending on your creditworthiness.

Here's a quick summary of the card's key features:

If you're a loyal Nordstrom shopper, you might want to consider their credit card option. The Nordstrom retail card offers early access to sales events, which can be a great perk if you're someone who likes to snag deals.

You can earn 2x points on Nordstrom purchases, and if you're a Nordy Club Ambassador or Icon status member, that rate jumps to 3x. The Nordstrom Visa, on the other hand, earns 1x everywhere else.

The Nordstrom retail card has a variable interest rate of 33.65%, so be sure to pay off your balance in full each month to avoid interest charges. Foreign transaction fees are a non-issue with the Nordstrom Visa, as it charges none.

Here are some key features of the Nordstrom credit card:

Some credit cards are more generous than others when it comes to earning rewards on all purchases.

The Blue Cash Preferred Card from American Express earns 6 percent cash back annually on up to $6,000 worth of groceries bought at U.S. supermarkets, as well as on select streaming services and gas purchases.

You can also earn 5 percent cash back on groceries at supermarkets with the AAA Daily Advantage Visa Signature Credit Card, and 3 percent at wholesale stores and gas stations.

The Capital One Walmart Rewards Card pays 5 percent cash back on orders placed at Walmart.com for no annual fee, as well as on in-store purchases for the first 12 months when you use your card with Walmart Pay.

The My Best Buy Visa Card earns 5 percent cash back at Best Buy, making it a good option for those who frequently shop at the electronics retailer.

It's worth noting that some credit cards have specific earning rates for certain types of purchases, but overall, these cards offer generous rewards on a wide range of purchases.

Here's a breakdown of the earning rates for these cards:

The right credit card for shopping depends on your spending habits and preferences. Some cards offer cash back, while others reward you with miles or points.

If you're a frequent traveler, consider using a travel-related shopping portal, such as Alaska Airlines Mileage Plan Shopping or Delta SkyMiles Shopping, to earn bonus miles and points.

When choosing a card, look for features like elevated rates during peak shopping times, bonus returns during special promotional periods, and cash back rewards. For example, the Citi Custom Cash℠ Card earns 5% cash back on up to $500 of your top spending category every billing cycle.

Some popular shopping portals from credit card issuers include Chase, Citi, and Barclays, which require you to log into your account to use them. These portals can earn you bonus bank points or cash back.

If you're a big food shopper, there are credit cards that can help you save on your grocery bills. The Blue Cash Preferred Card from American Express offers 6 percent cash back on up to $6,000 worth of groceries bought at U.S. supermarkets annually, and it's free the first year and $95 annually after that. You also get an unlimited 6 percent back on select streaming services and an unlimited 3 percent on gas, ride-share services, tolls, parking, subways, ferries, trains, and taxis.

Another option is the AAA Daily Advantage Visa Signature Credit Card, which pays 5 percent cash back on groceries at supermarkets—and 3 percent at wholesale stores and gas stations—and will pay up to $500 a year in combined rewards. Additionally, the Capital One Walmart Rewards Card will pay 5 percent cash back on orders placed at Walmart.com for no annual fee and also pay 5 percent cash back on in-store purchases for the first 12 months when you use your card with Walmart Pay.

Here are some credit cards that can help you save on your grocery bills:

These cards can help you save money on your grocery bills and other purchases, but be sure to read the terms and conditions to understand the rewards and fees associated with each card.

Shopping portals are a great way to earn rewards on your purchases, and they're more accessible than you think. You can access thousands of merchants worldwide through them, from big retailers like Best Buy and Apple to small brands with just a few locations.

Companies like Southwest, Delta, and Capital One offer shopping portals, making it easy to earn rewards on everyday purchases. You can also use a tool like Cashback Monitor to quickly evaluate various shopping portals for the best reward rate on an upcoming purchase.

Using a shopping portal is straightforward: you simply click through to the merchant's site through the portal, make your purchase, and earn rewards. It's a simple way to earn cash back, points, or miles on your purchases.

Closed-Loop vs. Open-Loop credit cards are two types of store cards.

Closed-loop cards can only be used within a specific store or website.

Open-loop cards, on the other hand, can be utilized anywhere most credit cards are accepted.

This means open-loop cards offer more flexibility than closed-loop cards.

In contrast, closed-loop cards are often associated with rewards that can only be redeemed within the specific store or website.

To maximize your earning opportunities with credit cards, it's essential to shop around for the best discounts or promotional payouts on every online purchase.

Using a shopping portal aggregator can save you hours of time and help you find the best deals. Cashback Monitor is one of the best aggregators to use, offering a comprehensive search tool and showcasing the most viewed stores and retailers offering the highest returns.

To get the most out of Cashback Monitor, create a free account to set up your preferences. This will allow you to rearrange the list of portals to reflect your personal value of each reward currency.

For example, if you value American Airlines miles twice as highly as Southwest points, you can ask Cashback Monitor to list American Airlines miles before Southwest, even if a shopping portal offers more Southwest points.

To determine the value of your credit card rewards, read Business Insider's points and miles valuations. This will help you decide whether to earn points or cash on your purchases.

If you know the best ways to use Amex Membership Rewards points, choosing to earn points instead of cash is the way to go.

Online shopping can be a great way to earn rewards with the right credit card. Shopping portal bonuses are always changing, after all.

To find the best deals, you need to stay on top of the changing shopping portal bonuses. You can find these bonuses through online shopping portals.

Some credit cards come with foreign transaction fees, which can add up quickly, especially if you're traveling abroad. These fees can range from 1-3% of each transaction.

If you're not paying off your balance in full each month, you may be charged high interest rates, which can lead to debt accumulation. High interest rates can be as high as 25.99% or more.

It's also essential to be aware of credit card annual fees, which can range from $0 to $550 or more per year. Some credit cards offer rewards or benefits that may offset these fees, but it's essential to weigh the costs and benefits before applying.

Ad blockers can prevent shopping portals from tracking your activity, which means you won't get any rewards for your purchases.

If you're using an ad blocker, many shopping portals will warn you about it before checkout, giving you the option to temporarily disable it.

Shopping portals rely on tracking your activity to record your purchases and award you rewards, so ad blockers can significantly impact your earnings.

Fortunately, some portals will give you a chance to earn rewards by disabling your ad blocker just for the duration of your purchase.

Using promo codes at checkout can sometimes disqualify you from earning shopping portal rewards, so it's best to weigh the savings against the bonus points.

Entering a promo code can sometimes get you away with it, but it's not a rule to rely on.

Unless the savings outweigh the bonus points, it's better to opt out of using promo codes to earn rewards.

The Citi Custom Cash℠ Card is a great choice for earning cash back on your top spending category, with 5% cash back on up to $500 of your top spending category every billing cycle.

If you're looking for a card with no annual fee, consider the Petal 2 Visa Credit Card, which offers 1% - 10% cash back on purchases, as well as a $0 annual fee.

The Alaska Airlines Visa Signature credit card is a good option for frequent flyers, offering 1x - 3x miles per dollar on purchases, plus a limited time online offer of 70,000 bonus miles.

Some cards offer bonus cash back or rewards for specific categories, such as groceries or gas. For example, the Blue Cash Preferred Card from American Express offers 6% cash back on up to $6,000 worth of groceries bought at U.S. supermarkets annually.

Here are some credit card options to consider for shopping:

The Wells Fargo Active Cash Card is another option to consider, offering 2% cash rewards on all spending, plus a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.

The Citi Simplicity Card is a great option for those looking to consolidate debt or make large purchases without incurring interest charges.

You can enjoy 0% APR for 21 months on balance transfers, which can be a huge money-saver if you have existing credit card debt.

However, be aware that balance transfers must be completed within 4 months of account opening.

The card also offers 0% APR for 12 months on purchases, which can be a great perk for those making large purchases.

One thing to note is that the intro APR is only available for the first 21 months, after which the variable APR of 18.24% - 28.99% will apply.

Fortunately, the Citi Simplicity Card has no annual fee, no late fees, and no penalty rate, making it a relatively hassle-free option.

Here are the key features of the Citi Simplicity Card:

The U.S. Bank Shopper Cash Rewards Visa Signature Card is a great alternative to the Apple Card because it offers 6% cash back on the first $1,500 spent each quarter with two retailers of your choice, including Apple.

This card is a solid choice for frequent shoppers who want to maximize their rewards on specific purchases.

The U.S. Bank Shopper Cash Rewards Visa Signature Card offers a higher rewards rate than the Apple Card on purchases at two retailers of your choice.

You can earn up to 6% cash back on your purchases at these retailers, making it a great option for those who frequently shop at Apple and other select merchants.

Here are the key benefits of the U.S. Bank Shopper Cash Rewards Visa Signature Card:

The Alaska Airlines Signature credit card is a great option for frequent travelers. It offers a range of rewards and benefits, including earning 1x - 3x miles per dollar.

To qualify for the card, you'll need to make $3,000 or more in purchases within the first 90 days of opening your account. This can be a bit of a challenge, but it's definitely doable if you're a frequent shopper.

The card also comes with a limited time offer of 70,000 bonus miles, which is a huge perk. To get this offer, you'll need to meet the $3,000 purchase requirement within the first 90 days.

Here are the details of the offer:

The card's annual fee is $95, which is a relatively low cost considering the benefits you'll receive.

If you're a Disney fan, you might consider the Disney Visa Card. It offers a 10% discount on dining and ShopDisney.com purchases, plus a 0% intro APR on Disney vacation packages.

The card's annual fee is $49, but you get up to $14.99 in monthly qualifying Disney subscription services for three months, which might be worth it.

The earning rates are 5% Disney Rewards Dollars on Disney+, Hulu or ESPN+ spending, 2% on select card purchases, and 1% on all other spending.

Interest rates are 19.24% to 28.24% APR, and there's a 3% foreign transaction fee.

Here are the key details at a glance:

The Old Navy Credit Card is worth considering if you're a loyal customer of the brand. It offers 30% off your first purchase at Old Navy, which is a great incentive to sign up.

You'll also earn 5x rewards on purchases at Gap, Banana Republic, Old Navy, and Athleta, making your rewards equivalent to 5% cashback. This is a great benefit for frequent shoppers at these stores.

One thing to note is that points are worth 1 cent apiece, so the 5x rewards are essentially 5% cashback. This is a straightforward earning rate that's easy to understand.

If you're looking to earn rewards on other purchases, you'll earn 1x on all other eligible purchases with the Old Navy Credit Card.