1.Chase Prime Visa
Chase
- 5%Cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership
- 2%Cash back at gas stations, restaurants, and local transit/commuting
- 1%Cash back on all other purchases
Earn a $150 Amazon.com gift card instantly upon approval for new cardmembers with an eligible Prime membership.
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership. It also provides 2% back at gas stations, restaurants, and local transit/commuting, plus 1% on all other purchases.
18.74%-27.49% Variable APR
The Chase Prime Visa stands out as the top choice because it offers exceptional rewards for Amazon shoppers, providing 5% back on purchases made at Amazon.com and related services. With no annual fee and a straightforward rewards structure, it is ideal for frequent Amazon users.
Pros:
- No annual fee
- High rewards on Amazon purchases
Cons:
- Requires Amazon Prime membership
- Limited to specific categories for higher rewards
2.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. supermarkets on up to $6,000 per year in purchases
- 6%Cash back on select U.S. streaming subscriptions
- 3%Cash back at U.S. gas stations
- 3%Cash back on transit
- 1%Cash back on all other purchases
Earn a $250 statement credit after spending $3,000 in eligible purchases within the first 6 months.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. Earn 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit, and 1% on other purchases.
19.49%-28.49% Variable APR
The Blue Cash Preferred® Card from American Express excels for households that spend significantly on groceries and streaming services, offering an impressive 6% cash back in these categories. Its welcome bonus and high rewards structure make it a compelling choice for those looking to offset the annual fee.
Pros:
- High rewards on groceries and streaming
- Introductory fee waived for the first year
Cons:
- Annual fee after the first year
- Requires significant spending to maximize rewards
3.Bank of America® Customized Cash Rewards credit card
Bank of America
- 3%Cash back in a category of your choice
- 2%Cash back at grocery stores/wholesale clubs
- 1%Cash back on all other purchases
Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases within the first 90 days.
Earn 3% cash back in a category you choose (like gas, dining, or online shopping), 2% at grocery stores/wholesale clubs, and 1% on everything else.
17.49%-27.49% Variable APR
The Bank of America® Customized Cash Rewards credit card offers a unique feature that allows cardholders to choose their 3% cash back category each month, making it a versatile option for those who want to maximize their rewards based on spending habits. Its no annual fee and welcome bonus further enhance its appeal.
Pros:
- No annual fee
- Flexible 3% category selection
Cons:
- Limited to $2,500 in combined spending per quarter
- Requires active management of category selection
4.American Express® Gold Card
American Express
- 4%Membership Rewards points at restaurants worldwide
- 4%Membership Rewards points at U.S. supermarkets
- 3%Membership Rewards points on flights booked directly with airlines or on AmexTravel.com
- 1%Membership Rewards points on all other purchases
Earn up to 100,000 Membership Rewards points after spending $6,000 in eligible purchases within the first six months.
Earn 4X Membership Rewards points at restaurants worldwide and U.S. supermarkets, and 3X points on flights booked directly with airlines or on AmexTravel.com.
The American Express® Gold Card is a premier rewards card designed for foodies and frequent travelers, offering exceptional rewards on dining and groceries. Its extensive benefits, including dining credits and travel perks, make it a top choice for those who want to maximize their spending in these categories.
Pros:
- High rewards on dining and groceries
- Access to various travel benefits
Cons:
- High annual fee
- Requires significant spending to maximize rewards
5.Citi Double Cash® Card
Citi
- 2%Cash back on all purchases
Earn $200 cash back after spending $1,500 on purchases within the first 6 months.
Earn unlimited 2% cash back on all purchases: 1% when you buy, and 1% when you pay.
17.49%-27.49% Variable APR
The Citi Double Cash® Card shines for its simplicity, offering a flat 2% cash back on all purchases without the need for complicated category management. This makes it an excellent choice for those who prefer a straightforward rewards program without an annual fee.
Pros:
- No annual fee
- Straightforward cash back structure
Cons:
- Lacks high-end travel perks
- Requires timely payments to earn full rewards
Final Words
As you consider the best credit cards for your online shopping this February, remember to prioritize rewards, fees, and benefits that align with your spending habits. Take time to compare your options and make informed decisions to maximize your savings and enhance your shopping experience.
Frequently Asked Questions
Earn a $150 Amazon.com gift card instantly upon approval for new cardmembers with an eligible Prime membership.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. Additionally, earn 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit, and 1% on other purchases.
Earn 3% cash back in a category you choose (like gas, dining, or online shopping), 2% at grocery stores/wholesale clubs, and 1% on everything else.
The Chase Prime Visa and Bank of America® Customized Cash Rewards credit card have no annual fee. The Blue Cash Preferred® Card from American Express has a $0 intro annual fee for the first year, then $95.
Consider your shopping habits, such as where you shop most often and what types of purchases you make. Look for cards that offer higher rewards rates in those categories and check for any annual fees that might affect your overall savings.
Eligibility for credit cards typically includes factors like credit score, income level, and existing debt. Most issuers will require a fair to good credit score, so it's wise to check your credit report before applying.
Use your cashback credit card for purchases in categories where you earn the most rewards, and pay off your balance in full each month to avoid interest charges. Additionally, consider combining cards to maximize rewards across different spending categories.
