Best Credit Cards for Online Shopping | finder.com

Best credit cards for online shopping

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

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

Rates last updated February 23rd, 2018
Name Product APR for Purchases ( Purchase Rate ) Annual fee Product Description
Target REDcard Credit Card
23.90% variable
$0
A no annual fee credit card and discounts when you shop at Target.
Fingerhut Credit Account
25.90% variable
$0
The Fingerhut Credit Account is store-specific, and used to finance purchases made from Fingerhut.com or Fingerhut FreshStart’s catalogue.
Fingerhut Advantage Revolving credit account
25.90% variable
$0
Helps you keep building your credit as you buy great name brand products.
Fingerhut FreshStart® credit account
25.90% variable
$0
Get instant access to purchase items in the Fingerhut store with no overlimit fees.
Horizon Gold Card
0%
Get a 500 credit limit to make purchases on the Horizon Outlet website.
NetFirst Platinum
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!
Luxe Signature Card
0%
$0
For purchases on HuttonChase.com with a maximum credit limit of $1500.00.
Next Millennium Card
0%
Shop the items you need at myuniqueoutlet.com with up to a $1000 credit.
Emporium Card
Varies by balance. See website for details*
$0
Get a $300 to $5000 instantly to shop 100,000+ items at Emporium.
WALMART® credit card
23.90% variable
$0
Overstock Store Credit Card
27.99% variable
$0
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.

Compare up to 4 providers

Rates last updated February 23rd, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Barclaycard Arrival Plus® World Elite Mastercard®
17.24%, 21.24% or 24.24% variable
0% Intro APR for 12 months (with whichever is greater: $5 or 3% balance transfer fee)
$0 annual fee for the first year ($89 thereafter)
Enjoy 40000
bonus miles after you spend on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase.
Luxury Card Mastercard® Titanium Card™
16.24% variable
0% Intro APR for for the first 15 billing cycles (with whichever is greater: $5 or 3% balance transfer fee)
$195 ($95 for each Authorized User added to the account)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
HSBC Gold Mastercard®
12.24%, 16.24% or 20.24% variable
0% Intro APR for first 18 months from account opening (with whichever is greater: $10 or 4% balance transfer fee)
$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.
Indigo® Platinum Mastercard® Credit Card
23.9% variable
$75 annual fee for the first year ($0 to $99 thereafter)
With this card you get a 23.9% variable APR.
Barclaycard Ring™ Mastercard®
10.24% variable
$0
A low, variable APR on purchases, balance transfers and cash advances.
Credit One Bank® Visa® with Free Credit Score Tracking
17.24% to 25.24% variable
$0 to $75 first year annual fee for the first year ($0 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.
Credit One Bank® Unsecured Platinum Visa®
19.15% - 25.24% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Give your credit a boost with credit line increase opportunities, a fee may apply.
The First Access VISA® Credit Card
29.99% variable
$75.00 for first year. After that, $48.00 annually.
Access credit even if you have poor or limited credit history.
Simmons Bank Visa® Platinum
9.25% variable
$0
The Simmons Bank Visa® Platinum Card offers multiple perks, including one of the lowest available APRs on the market.
Credit One Bank® Unsecured Visa® with Free Credit Score Tracking
19.15% - 25.24% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Get 1% cash back rewards on eligible purchase, terms apply.
Simmons Bank Visa® Platinum Rewards
11.25% variable
$0
Excellent Credit Required - Applicants that do not have excellent credit will not be approved

Compare up to 4 providers

Rates last updated February 23rd, 2018
Name Product Product Description APR for Purchases ( Purchase Rate ) Annual fee Interest Free Period
primor® Secured Mastercard® Gold Card
Low fixed interest rates with no penalty rate.
9.99% variable
$49
Up to 25 days
First Progress Platinum Prestige Mastercard® Secured Credit Card
You can increase your credit limit by adding funds to the initial deposit.
9.99% variable
$49
Up to 25 days
OpenSky® Secured Visa® Credit Card
A secured Visa® credit card that helps you build your credit quickly.
18.64% variable
$35
Up to 25 days
First Progress Platinum Elite Mastercard® Secured
With just a security deposit and 19.99% variable APR, start building or rebuilding your credit history.
19.99% variable
$29
Up to 25 days
UNITY Visa Secured Credit Card
Borrow up to $10000 and get your credit score back on track.
17.99% fixed
$39
Up to 25 days
Applied Bank Secured Visa Gold Preferred Credit Card
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
9.99% fixed
$48
0 interest free days
State Department Federal Credit Union (SDFCU) Savings Secured Visa Platinum Card
Created to help you establish or rebuild credit.
13.24% variable
$0
Up to 21 days
SKYPASS Visa® Secured Card
Earn SKYPASS miles while building your credit history in the United States.
17.49% variable
$50
Up to 24 days

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 is an editor/writer who lives in Asbury Park, New Jersey. Exploring new places and hoppy beer are two of his favorite things. He doesn't discriminate against buffalo wings — grilled or fried are just fine.

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US Credit Card Offers

Important Information*
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.24
variable

Annual fee

0 For the first year
More info
The First Access VISA® Credit Card
The First Access VISA® Credit 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
Barclaycard Arrival Plus® World Elite Mastercard®
Barclaycard Arrival Plus® World Elite Mastercard®

APR

17.24
TO
24.24

Annual fee

0 For the first year
More info
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