How to safely use a credit card for online purchases | finder.com
How to safely use a credit card to pay for online purchases

How to safely use a credit card to pay for online purchases

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Some tips every online shopper should know when paying with plastic.

If you’re shopping online, odds are good you’re using a credit card — unless you’ve figured out how to teleport cash (if so, tell us!). Credit cards provide a convenient, secure payment option and the process for making online purchases are typically the same for most websites.

This guide outlines the payment process step-by-step, security features and other factors that come up when you want to use a credit card for online purchases.

How to pay online with a credit card

  • Check the website is secure. Two security signs to look for: check that the website URL starts with the letters “https:” and has an image of a small padlock, usually in the top left-hand corner.
  • Select your item(s). Add items to your basket and either go to the checkout to pay or keep shopping.
  • Go to the “checkout”. When you’re ready to pay, look for the shopping icon which is often in the top right-hand corner of the web page. This is the checkout page where you’ll provide all your billing details.
  • Enter your details. Enter your name, address, contact telephone numbers and email address. Some businesses ask you to create an account when you complete a purchase. In most cases you can do this automatically when you make your first purchase by entering a username and password when prompted. You must enter information in all spaces marked with an asterisk.
  • Choose “credit card” as your payment method. You will be prompted to choose how you want to pay. Other options could include debit card, PayPal and bank transfers. You may also be required to select whether you have a Visa, Mastercard or American Express credit card.
  • Provide your credit card details. Enter the name on the front of the card, the 16-digit card number, the expiration and the three-digit security code found on the back.
  • Confirm the payment. Press the “confirm” button to submit your payment. Remember not to hit the button more than once while you’re waiting for the payment confirmation page to load, otherwise you may end up getting charged twice.
  • Extra security measures. Verified by Visa, Mastercard SecureCode and American Express’s Safekey are additional layers of security you can register for when using your credit card. If one of these services is active, you’ll need to enter a one-time code sent to your mobile phone.
  • Keep a copy of the payment confirmation. Most online stores will email you a receipt you can save and print. These details will help you track your order and ensure the correct amount is charged to your card.

Credit card security features for online shopping

secured onlineCredit card companies have a range of security measures to protect your account from fraud when you shop online.

  • Fraud-monitoring services

Many credit card companies provide 24-hour fraud-monitoring services that monitor activity on your account and contact you if they see something suspicious.

If a fraud-monitoring service can’t verify a transaction that’s been made on your account, it will be able to temporarily block your account and investigate further to ensure your credit card is protected against unauthorized transactions.

  • One-time passwords

You may have already been pre-enrolled in Verified by Visa, Mastercard SecureCode and American Express Safekey. You need to enter a one-time SMS or email code each time you use your credit card to shop online.

Note that an online merchant must have registered with the program for the service to work.

  • Zero liability guarantees

American Express, Mastercard and Visa provide zero liability guarantees to cover you for fraudulent credit card use in-store, over the phone and online. Note that these liability guarantees do not cover cash advance fraud.

If you’re the victim of credit card fraud, contact your credit card provider immediately to dispute the transaction.

Other factors to consider

Keep these situations in mind when you shop online so you know how to handle them if they ever arise.

  • Saving your card details. Internet browsers such as Chrome, Firefox or Safari may prompt you to save your details. While this can be a convenient option, it also means your card information will be stored by a third-party service and could be compromised if that account is ever hacked.
  • Declined payments. For whatever reason, if your payment is declined or a payment error message appears, the transaction will not be processed. Your items may remain in your “shopping cart” so you can complete the purchase in the future.
  • Currency conversion fees. Most credit cards apply a fee of 2-4% of the transaction when you make a purchase from an overseas merchant. If you regularly shop with international retailers online, you may want to consider a card with $0 foreign transaction fees to save money on this cost.

A credit card can get you almost anything you want on the Internet. It also offers security against fraud and unauthorized transactions. So with these facts and tips in mind, you can now make credit card purchases online any time you want.

Back to top

Compare credit cards

Updated May 22nd, 2019
Name Product Filter values Rewards Purchase APR Annual Fee
2x points on travel and dining. 1x points on all other purchases
18.24% to 25.24% variable
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
None (Charge Card)
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
N/A
14.24%, 20.24% or 25.24% variable
$0
An 15 months 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
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
15.24%, 19.24% or 25.24% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
17.99% to 26.99% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & fees
6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases
15.24% to 26.24% variable
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
17.24% to 25.99% variable
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn unlimited 1.5% cash back on your purchases
15.24% to 26.24% variable
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
19.24% to 26.24% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
2x points on gas, groceries and airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
16.24% to 26.24% variable
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
18.24% to 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
2x miles on Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & fees
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
16.49%, 20.49% or 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership. Rates & fees
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees
2x points on purchases through Amex Travel and 1x points on all other purchases
None (Charge Card)
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership. Rates & fees
6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
None (Charge Card)
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$195
Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months. Rates & fees
12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership. Rates & fees
1% cash back to your choice of nonprofits, K-12 schools, colleges and religious organizations
16.24% to 22.24% variable
$0
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
17.24% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
17.24% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points on all purchases with 2% point value when you redeem for airfare or cash back
17.24% variable
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
2x miles on all purchases
18.24%, 22.24% or 25.24% variable
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
15.24% to 26.24% variable
$0
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
3% back on travel and entertainment and 2% on dining up to $500 combined each billing cycle, then 1% after that and on all other purchases
18.49% to 25.49% variable
$0
Earn 3% cash back on travel and entertainment and 2% at restaurants on the first $1,000 spent on purchases each billing cycle (then 1%). Earn 1% on all other purchases.
See terms
See terms
The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases.
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore.
24.9% fixed
$0 to $99
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
9.99% fixed
$48
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
19.64% variable
$35
A secured Visa® credit card that helps you build your credit quickly.
1% cash back on all purchases
20.99% variable
$0
Designed for college students to build credit history and earn rewards.
25.24% variable
$0
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
N/A
14.74% variable
$39
No minimum credit score and no credit history required.
N/A
10.74% variable
$49
Build or rebuild your credit with this secured card.

Compare up to 4 providers

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site