To get the best credit cards for shopping in my opinion, first looked at all of the credit card offers from major card issuers. Then looked at different store cards from different popular stores. Finally decided which best credit cards for shopping I would use. After doing that, then worked directly with the card issuer to find out exactly which best credit cards for shopping I would get.
The first step is to look at what each credit card offer has to offer. Are there any travel rewards or store card options? What types of added perks are there? Do they provide additional benefits like car rental discounts? Which one best fits my lifestyle, what I want to buy and do I need to have a decent credit rating to get these cards?
Next, we will review the top credit cards for gas and groceries. Wal-mart has a very generous rewards program called the gasoline Rewards card. They provide an air mile program, but only to their existing stores in their chain of locations. So if you want to go to wal-mart, you have to go through their store. You cannot earn miles with this card for gasoline purchases made at other companies.
Costco has a program called “Costco Cash Back” that is really unique. Basically every purchase you make is rewarded with one, two or three “cash back” bonuses. You can earn points for everyday purchases including groceries, gas and other goods and services. You earn 1.5x points for every dollar you charge and 1.5x points for when you make just a hotel stay, dining and travel expenses.
The next credit cards we are going to review are from Discover and United. You may be able to find these cards online with a little bit of research. These credit card companies allow you to make one account per line of credit, with a maximum limit of $1000. They also both have an annual fee of $125.
Now, let’s review what each of the credit cards for groceries have to offer. If you like to use Wal-mart, you are going to love getting the rewards from their gasoline rewards program. You will earn bonuses for every dollar you charge to your account. This is a great way to save money on fuel costs every month. If you are shopping for groceries at the local grocery store, you should consider getting a card from Discover which will earn you a percentage of the total groceries you buy at the store.
If you like to shop at Target or Walmart, you will want to look into a card from American Express, Citi cards, MasterCard or Visa. These companies all offer rewards programs that include cash back at many different grocery stores. They also have a department store’s program through which you earn points every time you make a purchase. Each point helps you get free gas or other incentives. If you do some research you will find these cards are beneficial to both shoppers and drivers.
As you can see there are many benefits to shopping with these store credit cards. They not only let you save money but also allow you to purchase items from major department stores. Many of them offer the best credit cards for shopping, since they have the extended warranty coverage. You can also compare their rates to help you decide which one will work best for your purchasing needs.
Another type of card earns you cash-back when you make a purchase. Some of these cards earn you reward points when you make purchases. These rewards may be in the form of cash, gift cards or store credit. You can choose the cards that meet your needs the best by doing your homework. Compare them per the terms of the various programs. Shop carefully so that you don’t end up with a card earns you cash-back that has a high interest rate and a low per calendar year interest rate.
When you shop for the best business credit cards for shopping go online first. Visit a few different websites to make sure the online card you are interested in is offering you the best cash-back or reward program. The major banks like Bank of America, Chase, Citibank, Discover Card and Amex offer gift cards from their company and you can also visit their websites to learn more about their cash-back program.
American Express offers an excellent credit card with a 0% intro APR for 12 months on any purchases you make. It also offers a no annual fee and a 1% cash back bonus for online purchases. You have to pay full price for most of the annual fees, but if you pay the annual fee you will earn 2% cash back. If you use the card regularly you can save a lot of money each year. The annual fee is not a problem since you can pay off the balance much faster than you could if you had the normal credit card payment cycle.