Retail Therapy to the Max: What’s the Best Credit Card for Serious Shoppers?

credit cards in pocket

Retail therapy is a lot of fun. There’s the mall itself, all the cool new things you get to bring home, and lunch or dinner somewhere in between. All in all, it’s a great day at the end of the day.

But, just exactly how are you paying for all of that fun? 

If you’re using a credit card, you could get yourself into serious financial trouble. Unless, of course, you’re using a credit card with shopping perks.

If shopping is one of your favorite things to do, you need a credit card that rewards you for your purchases. And, not just any credit card will do. That’s why we’re picking out the best credit card for shopping right here.

Keep reading to learn more. 

What’s the Best Credit Card for Shopping?

With all of the different styles of shopping to be done, it’s difficult to narrow the best credit card for shopping down to just one. 

Without further adieu, let’s take a look at the best credit cards for your spending habits.  

The Platinum Card From American Express

This card comes with a hefty annual fee of $550, but it’s worth it if you plan on doing any traveling. You’ll earn 60,000 membership rewards points for your first $5000 in purchases within 3 months. 

The rewards don’t stop there – you’ll earn five points for every dollar spent on airline travel booked with American Express Travel. You’ll also earn this benefit on eligible hotel purchases booked with

Finally, earn one point for every dollar spent on regular purchases.

Citi Double Cash Card

The Citi Double Cash Card is a great holiday credit card because it allows for zero percent balance transfers for the first 18 months. Not to mention that there’s no annual fee. The variable APR is 15.74% to 25.74% on purchases and balance transfers after the 18-month introductory period. 

The best part about this card, you’ll earn 2 percent cash back on every purchase. 

Chase Sapphire Preferred Card

This card offers no annual fee for the first year. You’ll pay $95 per year thereafter. The major perk to this card is the 50,000 bonus points you’ll earn for the first $4000 spent on purchases in the first three months from account opening. You’ll also earn 2 points on travel and restaurants worldwide as well as 1 point for every dollar spent on all other purchases. 

Capital One Savor Cash Rewards Credit Card

if you’re looking for the best credit cards for clothes shopping, this might be the one. You’ll earn two points for every dollar spent on every purchase, every day. Not to mention that you can earn up to points per dollar spent on hotels through January 2020.

The Capital One Savor Cash Rewards Card also offers a one time bonus of 50,000 points when you open your card and spend at least $3,000 in the first three months.  

Discover it® Cash Back

Another one of the best credit cards for holiday shopping is the Discover it® Cash Back credit card. With no annual fee and up to 5% cash back on purchases in rotating categories, this is an excellent card any time of year.

This card carries a zero percent introductory offer for the first 14 months on purchases and balance transfers. The APR is a variable of 13.99% to 24.99% after that.

The best part about this card is the Discover match program which rewards you with double the cash back at the end of your first year. 

Wells Fargo Platinum Visa Card

The Wells Fargo Platinum Visa Card has a zero percent APR on all purchases and balance transfers for the first 18 months from the time you open your card. You’ll also enjoy no annual fee and other perks like easy access to your FICO credit score and up to $600 for cell phone protection if your cell phone bill is paid with your card. 

Regular APR is 17.74% to 27.24% variable.  

Target REDcard

The Target REDcard is a great choice for shoppers that spend a lot of time at their favorite store. You’ll enjoy no annual fee and 5% savings on all purchases at Target and Not to mention an additional 30 days to return items in store or online and free shipping at

The variable APR for this card is a bit steep at 25.15% variable so make sure to pay it off at the end of every month.

Costco Anywhere Visa® by Citi

The best credit card for Christmas shopping if you’re a Costco member is none other than the Costco Anywhere Visa® by Citi. Enjoy no annual fee with your paid Costco membership and earn up to 4% cash back on eligible gas purchases worldwide. You’ll also earn the following rewards on eligible purchases: 

  • 3% cash back at restaurants
  • 3% cash back on travel
  • 2% cash back on Costco purchases
  • 1% cash back on all other purchases

You’ll need excellent credit to qualify. 

Amazon Prime Rewards Visa

Of course, the best shopping credit card if you’re an Amazon fan is the Amazon Prime Rewards Visa card. You’ll receive a $70 gift card upon approval to spend at and a generous 5% cash back on all Amazon purchases.

Earn 2% cash back at restaurants, drugstores, and gas stations, as well as 1% cash back on all other purchases with this card. There’s no annual fee and the interest rate is 15.99% to 23.99% variable. 

Final Thoughts

Finding the best credit card for shopping doesn’t have to be so confusing. Keep this list in mind as you decide which one is the best card for your personal financial situation. 

Remember, when applying for credit cards, it’s best to do it all at once in order to preserve your credit score. Each credit card application counts as an inquiry on your credit report which will last for two years.

We hope you found this post helpful. Here’s another post you find might find interesting if you’re planning to get married soon.