Best Credit Cards for Online Shopping | finder.com

Best credit cards for online shopping

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Shop securely and save on extra fees when using a credit card to shop online.

Paying on plastic can be a convenient way to make purchases online, but there are some cards that are better to use than others. Depending on how you shop online, you should make sure that the card you’re using protects you against any potential fraudulent transactions, doesn’t charge extra fees for overseas purchases and can help you cut down on interest costs. When looking for a credit card to use online, you can use this guide to discover what to look out for and compare your options side by side.

Target REDcard™ Credit Card

Our pick: Target REDcard credit card

A no annual fee credit card and discounts when you shop at Target.

  • $0
  • Up to 25 days interest free
Promoted

How to compare credit cards for online shopping

  • No currency conversion fees. You should consider a credit card that doesn’t charge a currency conversion or foreign transaction fee if you frequently make purchase online based overseas. Usually sitting between 3% and 5% of your transaction amount, these fees could quickly add up if you’re using your credit card to shop online. If the currency conversion fee was 3%, this means that a $500 purchases could add an additional $15 to your overall cost.
  • Low or 0% interest fees. You might want to consider a card with a low ongoing interest rate or a promotional 0% offer on purchases if you struggle to repay your balance in full each month. Compare credit cards with 0% on purchases, but it’s important to remember that these revert to the much higher standard purchase rate when the offer ends.
  • A rewards card with a high earn rate. If you regularly spend online and usually pay your balance in full, a rewards credit card could help you earn points for every dollar you spend on eligible purchases. While most reward or frequent flyer credit cards award 1 point per $1 spent, some offer a higher earn rate on overseas purchases, which could come in handy if you’re using your card to shop at online overseas.
  • Fraud protection. It’s standard for credit cards to have protection in place to guard you against scammers and fraudsters, but you can do your part too by opting for a card that is linked to Verified by Visa or Mastercard ID Theft Protection. It’s important to note that most insurances, such as purchase protection and extended warranty, don’t apply to items bought online.

How to make large purchases using a credit card

Compare credit cards

Updated July 18th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Annual Fee
24.4% fixed
$0
A no annual fee credit card and discounts when you shop at Target.
29.99% fixed
$0
The Fingerhut Credit Account is store-specific, and used to finance purchases made from Fingerhut.com or Fingerhut FreshStart's catalogue.
29.99% fixed
$0
Helps you keep building your credit as you buy great name brand products.
29.99% fixed
$0
Get instant access to purchase items in the Fingerhut store with no overlimit fees.
$0
Get a $500 credit limit to make purchases on the Horizon Outlet website.
$0
Looking for the best card? You can have it while you build your credit with Horizon Card Services. Get an unsecured line of credit and the best customer service!
$0
Shop the items you need at myuniqueoutlet.com with up to a $1,000 credit.
$0
Get a $300 to $5,000 instantly to shop 100,000+ items at Emporium.
24.4% variable
$0
28.49% variable
$0
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.

Compare up to 4 providers

Updated July 18th, 2018
Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
12.74%, 16.74% or 20.74% variable
0% for the first 18 months from account opening (then 12.74%, 16.74% or 20.74% variable)
$0
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
24.74% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
23.9% variable
$75 annual fee for the first year ($99 thereafter)
With this card you get a 23.9% Variable APR.
29.99% variable
$75 annual fee for the first year ($48 thereafter)
Access credit even if you have poor or limited credit history.
17.49% to 25.49% variable
Up to $75 annual fee for the first year (up to $99 thereafter)
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
$0
Earn more cash back for the things you buy most.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
$95
Earn 15,000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn 5 cash back on up to $500 in combined purchases in bonus categories each quarter you activate and unlimited 1 cash back on all other purchases.
16.74% to 24.74% variable
$0
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles once after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

Updated July 18th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Welcome Bonus Interest Free Period
9.99% fixed
Up to 25 days
Low fixed interest rates with no penalty rate.
10.24% variable
Up to 25 days
You can increase your credit limit by adding funds to the initial deposit.
18.64% variable
Up to 25 days
A secured Visa® credit card that helps you build your credit quickly.
9.99% fixed
Up to days
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
19.99% variable
Up to 25 days
With just a security deposit and 19.99% APR, start building or rebuilding your credit history.
17.99% fixed
Up to 25 days
Borrow up to $10,000 and get your credit score back on track.
13.74% variable
Up to 21 days
Created to help you establish or rebuild credit.
17.99% variable
Up to 24 days
Earn SKYPASS miles while building your credit history in the United States.
First Latitude Platinum MasterCard® Secured Credit Card
First Latitude Platinum MasterCard® Secured Credit Card
26.24% variable
Up to 25 days
Enjoy no annual fees while building your credit

Compare up to 4 providers

The benefits and downsides of using a credit card for online shopping

Pros

  • Avoid currency conversion fees. If you get a credit card with no or low currency conversion fees, you can make significant savings while making purchases with overseas retailers.
  • Earn while you spend. If your credit card comes with a rewards system, you can earn points as you spend. These points can be redeemed for cash back on your account, travel rewards and merchandise and products from the rewards program online store.
  • Wide acceptance and protection. If your credit card is linked to one of the larger providers, such as Visa or Mastercard, you can make purchases internationally. These networks often come with additional security, such as Verified by Visa or Mastercard ID Theft Protection, giving you an extra layer of protection when shopping online.

Cons

  • Accumulating debt. Unlike a debit card or a prepaid card, a credit card is not linked to your own funds. So if you’re an impulsive or frequent spender, using your credit card for online purchases could quickly build up debt on your card. If you struggle to repay your balance in full, make sure to consider a card with low or no interest on purchases.
  • Security risks. While credit card security measures are in place to protect your finances against fraud or theft, no online purchase is entirely risk-free. Always research the site’s legitimacy and security before making a purchase.
  • Foreign fees. If your card doesn’t offer either a low or no currency conversion fee, your spending can increase significantly when making a purchase in a foreign currency.

Alternatives to credit cards: Use a prepaid card to shop online

If you don’t want to use a credit card but want a secure way to make purchases online that isn’t tied to your savings account, consider a prepaid debit card. You can load a prepaid card with funds and use them to make purchases.

If you’re trying to curb spending, this is a good way to stay within a budget. You can only spend the amount that’s loaded on the card and will need to reload more funds if your balance runs low.

As these cards are usually Mastercard or Visa products, you can use them both online and in-store at millions of locations around the world.

Learn more about prepaid cards

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Frequently asked questions about using a credit card to shop online

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Kyle Morgan

Kyle Morgan is a writer and editor for finder.com who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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