If you’re new to online shopping, you may be wondering how to get a credit card that will let you shop at all the places you love to shop! If you’re looking for cash back, free shipping, or other rewards, you’ve come to the right place. We’ve also included some tips on protecting yourself from fraud and comparing different credit cards to find the right card for you. Now it’s time to get shopping!
Earning cash back
While earning cash back with credit cards for online shopping is becoming increasingly popular, it’s not the only way to get some of the money back that you spend. Many credit cards offer cash back in the form of statement credits. Cash back rates can vary from 1% to 6%. Some shoppers combine these rewards with the cash back earned on their credit cards for online shopping. However, be sure to read the terms and conditions of your card before signing up for one.
Many credit cards offer bonus cash back on rotating categories. Check the latest calendar to see which categories are eligible for quarterly savings. In addition, many offer rewards on rotating categories. Checking the calendar regularly is key to maximizing your cash back. Depending on how much you spend each month, you might find that earning cash back on just 1% of your purchases can make a big difference in your monthly savings. If you spend more than you can afford to, make sure you use both cards responsibly.
Getting free shipping
The benefits of free shipping are many, but not all retailers offer it. Some only offer free shipping during holiday sales or special promotions, while others offer only a small percentage of the cost. You can track free shipping with sites such as RetailMeNot or Rakuten. Some online retailers offer free shipping all the time, while others only offer it occasionally. Sephora, for example, offers free two-day shipping on orders over $150. If you can afford it, you should join the Flash two-day shipping program. It will give you free two-day shipping on all orders, no matter what size you order. The membership costs $15 per year.
Amazon also offers free shipping on many of their products. It started with books, and now sells everything from clothes and home decor to vinyl records and luggage. And while you’re at it, don’t forget to use your credit card! You’ll never have to pay for shipping again! Just make sure you have enough money on your card to cover the costs. You’ll be glad you did. When shopping online, remember to pay attention to sales tax. It’s also best to purchase in-stock items whenever possible.
Protecting yourself against fraud
If you’re planning to shop online, one of the most important steps you can take is to protect yourself from fraud. Credit cards have more protections against fraud than debit cards. For example, debit cards require you to report fraudulent transactions by a certain date, while credit cards don’t. While debit cards do allow you to dispute fraudulent charges, you may find yourself with less available credit after the fraud has occurred.
Besides putting your credit card away safely, you should also register it with your bank. Doing this will enable your bank to receive confirmations when someone uses your card. It will also enable you to check suspicious purchases and report them to your credit card issuer. Another good way to avoid getting scammed is by not using public Wi-Fi networks while you’re shopping. You should also avoid shopping malls, since they’re notorious for being vulnerable to fraudulent transactions.
Comparing credit cards
Comparing credit cards for online shopping can be a daunting task. The best credit card is not necessarily the one that offers the lowest interest rate. You’ll want to consider the features of a card before applying. It’s not just about instant shopping, however. A good card will also fit your financial goals in the long run. After all, you want to be able to afford the purchases you make. A little bit of comparison shopping can make the process easier.
When comparing credit cards for online shopping, consider where you plan on spending your money. If you plan to do most of your shopping online, look for a card that offers bonuses for spending money online. You can also look for a card with rewards for shopping locally. Many credit cards offer both. If you plan to use the card primarily online, choose a card with a high sign-up bonus and low interest rates.
