6 BEST CREDIT CARD FOR SHOPPING & TRAVEL | CASHBACK CARDS IN 2023

December 16, 2022 BEST CREDIT CARD FOR SHOPPING & TRAVEL , BEST PREMIUM TRAVEL CREDIT CARDS , GOOD BEGINNER CREDIT CARDS , HISTORY OF CREDIT CARD , HOW TO INCREASE CREDIT SCORE FASTER , WHAT IS A CREDIT CARD 0 Comments

6 BEST CREDIT CARD FOR SHOPPING & TRAVEL | CASHBACK CARDS IN 2023

BEST CREDIT CARD FOR SHOPPING & TRAVEL | Let’s see what are the best cashback credit card for online shopping in the USA with a high  100% signup bonus in 2023.

WHAT ARE THE BEST CASHBACK CREDIT CARD FOR ONLINE SHOPPING COMPLETE REVIEWS

The best credit cards for shopping this holiday season. That is the smell of pumpkin spiced everything in the air, which means the holiday shopping season is upon us and you know what's better than the gift of giving the gift of getting some cash back for the gift of giving.

IF YOU WANT TO KNOW WHICH IS THE BEST PREMIUM TRAVEL CREDIT CARD THEN YOU CAN READ IN THE LAST ARTICLE.

I am giving you the breakdown of the best credit cards for saving sound trick Chang Chang this holiday shopping season we're going to save money for things like online shopping to things like feeding your friends and family.

So if you're about saving money then let's get going to do I've got the top 6 credit cards to run through and a bonus so make sure to stick around till the end.

So let me jump you A pro tip and save you some time with all of our Cashback Cards but we need to do is do a cashback stack.

What does that mean? Basically, when you online shop you need to use a cashback portal otherwise you're literally leaving free money on the table.

So a cashback portal is something like a honey a top cashback or my personal favorite or Rakuten meaning if you spend money on that portal.

They will give you additional cashback on top of a Cashback Card now probably wondering which one to use really no matter which one you use.

However, exactly like credit cards, I recommend you use the one with the highest signup bonus right now which is rocket 10.

You can get a $30 signup bonus for spending 30 bucks basically if you're going to spend 30 bucks at some place like Adidas or Nike or any of the 1000s of retailers on the Rakuten website, you might as well get 30 bucks for an ATA get a free $30.

Now otherwise, though, if you're already a Rakuten user, it doesn't really matter which of the platforms you use.

I think there's a website called cashback monitor, which you can actually use to check which site is giving you the highest amount of cashback.

So get the signup bonus from Rakuten and then use any other cashback portal that you want so that you could double or even triple the amount of cashback you're getting for every single purchase for online shopping, go Alright, let's go ahead and tell our cards now.

6# - BANK OF AMERICA

All right, so coming in at number six, we have the Bank of America customized cash rewards card it comes with a signup bonus of two. After you just spend $1,000 In the first three months pretty easy this holiday shopping season condition you will receive 0% interest for the first 18 billing cycles are that's roughly about 18 months or so from an earnings perspective.

This card is pretty interesting. You're gonna get the percent cashback on the category that you choose, you can actually change that category every single month.

So some of those categories include things like travel or dining or gas or online shopping. So for this period, October November, and December, people are probably spending a lot of money doing the shopping you can just pick online shopping, and once you move into q1 of next year, you can swap it up.

In addition, this card also gives you 2% cash back at grocery stores as well as wholesale clubs, so things as Costco, Sam's Club, or BJs.

If you don't have a dedicated card in one of those wholesale clubs, you could use this one as a really good Kegel for everything else.

1% cashback as far as benefits for this card?

Honestly, there's not a whole tonne, the one that Bank of America calls out and then the one that gets that kind of worth mentioning is the Bank of America preferred reward program basically means if you have a bunch of money 100 Positive Vigneto you can get a slight boost in your cashback earning anywhere from 25% up to a 75% boost the amount of cashback the third with one of their credit cards as long as you have anywhere from one $20,000 to over $100,000 deposit or invested with Bank of America.

Is it the best place to hold your cash?

Honestly, I'm not a huge fan. They're just kind of a mega conglomerate, massive huge banking institution.

But if you haven't had the cash there then yes, this one would work out for you. I just don't have to so for me the benefits are pretty.

My overall verdict for this card is that it's a really good catch off if you don't have a dedicated card that you use for online shopping because you haven't yet finished this article then this is a good one to get started at.

In addition, if you don't have a Wholesale Club Card or you have multiple wholesale clubs or you go to a Costco and a BJs for example, this could also be a really good catch on the card in that category.

Overall though I do like the card as an entry-level card, no annual fee. It's pretty solid in terms of having no interest for the first 18 billing cycle slash 18 months.

 

#5 - AMERICAN EXPRESS BLUE CASH

Coming in at number five we have the American Express blue cash every day this card was recently revamped and it definitely punches above its weight.

So you're gonna get a $2 signup bonus after spending $2,000. In the first 6 months, you'll also receive 0% interest for the first 15 months as for earnings, this card, absolute credit, ease of use, and its broad applicability. You will receive 3% cash back for gas as well as dining out 1% cashback on all others.

Please note that the 3% cashback does have a limit of $6,000 of spent per each individual category per year. So for $6,000 is spent in online retail in grocery as well as gas you will get 3% cashback as far as benefits for this card.

This is where I think the card punches above its weight class because there are benefits. In fact, there are benefits in the form of credit you do not see for a no-annual-fee card you will get the $7 credit every single month to the Disney bundle if you spend at least there's 9 per month think of it as 50% discount on a Disney plus bundle you will also receive a $15 a month home chef credit now I personally don't cook a whole tonne at home.

But if you do this would be a really cool thing to tap into and give you essentially free every single month.

My verdict for this card is this absolute you should actually be considering this card as long as you want a card with no annual fee that you're earning 3% cashback, especially during the holiday season but also can cover you for things like gas as well as dining.

Now if you want an upgraded pick and slash honorable mention it's not on this list, but consider also checking out the blue cash preferred.

It does come with an annual fee. I believe it's about $95 it's waiting for your one but you will incentivize 6% cash back for growth.

 

#4 - AMERICAN EXPRESS CARD

Next up we have the American Express card will earn you a settled anywhere from $60,000 to $75,000 points for spending $4,000 within the 6 months the variability in the signup bonus depends on what you find placemat.com tend to have a higher signup bonus or if you try to go onto incognito mode.

What I love about this card is that you earn for membership for every single dollar that you spend on groceries you will earn for membership reward points for every dollar you spend at restaurants and three membership reward points for that you spend on travel books directly with a Mac travel membership or one point for all other purchases.

Where this card app absolutely rushes it is in the credits category you will earn $120 dining credits per year as with the $120 Uber slash Uber Eats credit which means you get to earn $40 worth of dining credits every single year.

It comes with a $250 fee, but take away the $204 worth of dining credits you will need to hear for different factors in the four membership reward points for every dollar you spend as long as you spend two bucks eating out or at least come out net neutral on this card you spent $1 over that you are net positive for a lot of us.

Probably a huge spend especially with holiday shopping since then we've got friends and family coming over probably buying groceries or going out buying appetizers before we go to these holidays.

There's a tonne of spend on groceries this card is definitely one you want to have in your wallet not to mention it is material chart as well.

So you can take those points instead of doing a cashback which actually wouldn't recommend for the membership reward points.

Instead, you can transfer it to airline partners making it a little bit cheaper to travel to family or maybe travel for holiday during the actual holiday shopping season.

So this is overall an amazing art. I think it gets turbocharged in q4 it is largely for the spin around groceries as well as obviously being able to use it as a travel card. coming in at number three.

#3 - CHASE FREEDOM FLEX

 

This one's a perennial favorite and I've had this card literally forever is the Chase Freedom flex now back in the day it was known as the Chase Freedom before the rebrand we won't get into that.

So Chase Freedom Flex is giving you a signup. The bonus of $200 After spending $500 Within the first three months in addition, this card comes with a 0% APR offer for the first 15 months from an earnings perspective.

This card earns 5% cash back on rotating categories that change every single quarter every three months. So for the month of October, November, and December, you will earn 5% cashback for purchases at Walmart as well as anything through PayPal.

This card also earns 3% on drugstores, dining, and restaurants and 1% cashback on all others. As far as benefits this card actually is pretty decently loaded.

So if you're a frequent lift rider you will earn 5% cashback for purchasing lift rides with the car mission after three lift rides every month, you're gonna get a $5 lift credit, the card also comes with three months of complimentary dash pass.

Now my verdict and where I really see the back of this card though is the fact that it plays into the chase ecosystem.

What I mean by that is you have cards like the Chase Sapphire Reserve, you've got cards like the chase business cards, all of those cards can pull together Chase ultimate reward points and that is where you can get a little bit of outsides value when you have a card say like the Chase Sapphire Preferred or the Chase Sapphire reserve that gives you anywhere from a 25% to 50% bonus when you redeem ultimate reward points to the chase travel portal as a statement credit.

This is a freedom, exactly the freedom you can take those points and transfer them over to a sapphire product once you kind of get up and get that next card.

Obviously, that's a later stage game but for the intents purposes of this article though, the 5% rotating on Walmart as well as any payments through PayPal. And Jeff just is beautiful for this holiday season.

 

#2 - AMAZON PRIME CREDIT CARD

We have the Amazon Prime credit card now this card I actually really like I think it's a little bit of a sleeper.

It comes with the signup bonus of a $1 amazon gift card as long as you get approved. In addition, you will earn 5% cashback for all purchases made at amazon.com and Whole Foods I know the whole page but amazon.com.

 5% cashback is phenomenal. I mean if I think about it when I think online shopping for me at least it's pretty synonymous with just going on Amazon every once in a while maybe not but for the most part, it's Amazon's getting 5% That's phenomenal.

 

BENEFITS OF AMAZON PRIME CREDIT CARD

In addition, this card will earn you 2% cashback at restaurants gas stations as well as drugstores. As for benefits though a little bit sparse.

There is no foreign transaction fee which is I guess pretty decent for no annual fee card. In addition, this card is metal which is for whatever you want to make of it. That's pretty cool.

I guess for a no annual fee card. Although I really really liked this card. The one thing you want to keep in mind though is you do need an Amazon Prime membership to take advantage of high points printing at 5%.

There's a lower tier card that gives you 3% for amazon.com and Whole Foods that doesn't require a prime membership.

I would say for the most part a prime membership is pretty worth it. So, most people, you're probably going to be looking at this Amazon Prime credit card.

Coming in at number one we have the Citi custom cash is one of my favorite cards this year because of how easy it is to use, but we'll jump right into it.

So a signup bonus of $200 for spending $1,500 within the six months it also comes with a 0% APR offer for the first 15 months as far as how this card earns probably one of the easiest you will earn a 5% cashback bonuses for your highest spend category every month up to 500 bucks.

And that includes grocery now what I don't like is that it does online shopping. Take this card and pair it with one of the cards where you shop the most maybe the chase Amazon card so now you have that 5% covered for grocery shopping which again I think for a lot of families, especially early season that's probably a huge chunk of the budget.

And that's pretty much it it's a really straightforward card to use. The approved tip is if you have other city cards you might need for the product to change into this card.

So you have multiple technically I don't think you can actually apply for multiple you could product change into it now as far as benefits again not a whole tonne other than the fact that you can earn city Thank you points which if you have the city premier you can kind of do the same that we were talking about with the Chase Freedom cards transferring Chase points from the Chase Freedom to the Chase Sapphire transfer city Thank you points from the city customer cash to a city premier overall for me I love this card because again of simplicity to use.

Alright, we made it through six cards,s and now let me give you the bonus for making it to the end with me this one comes a little bit out of the left field but I'm going to explain my reasoning to you.

You know I love this card. This is the only credit card on this page that's going to behave hang on to it and that is my number one card of 2022.

 

1# - CAPITAL ONE VENTURE X

Probably all categories and even during the holiday season is the Capital One Venture x this card comes with 5000 points signup bonus after spending 1000 Within the first 3 months now from an earnings perspective I need to worry about is that you'll earn two points per dollar spent everywhere but from a benefits perspective.

This is where this card absolutely crushes you get a $300 travel credit to be booking travel with the Capital One travel portal every year as well as 10,000 anniversary miles which equate to about $100 worth of travel so you get $400 worth of total credits.

The card comes with a $395 annual fee being paid five bucks for this card. Now you're probably wondering why a travel card is even mentioned right? Because a lot of you are probably traveling during this holiday season or maybe shortly.

This part is a top tier travel card that competes with the Americans. With the Chase Sapphire reserve, it will get you into lounge access it will get you Global Entry slash TSA PreCheck it will give you all the bells and whistles of a top tier premium travel but it won't cost you that in fact, you will get $5 for it.

So as a catch all card if for whatever reason you're spending in strictly online shopping or grocery or Amazon or whatever you just want a 2% card this is going to be an addition. if you plan to fly and you want to go sit and don't want to wait in the security line.

Conclude – Here I have explained what is the best cashback credit card for online shopping among 6 cards in the US with a high signup bonus in 2023.

 

Thanks a lot for reading

God bless you.