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Advertiser Disclosure Updated: Jan 5, 2021, 1:57am

Best CC 2021 Template

PE Devs
PE Devs
administrator

Updated: Jan 5, 2021, 1:57am

Editorial Note: Forbes may earn a commission on sales made from partner links on this page.- test default

Online shopping was already sixteen percent of total retail sales, but the surge in virtual e-commerce has only been exacerbated by stay-at-home orders caused by coronavirus. With many stores shut down and so many hoping to avoid strangers and crowds in order to slow the spread of COVID-19, it makes sense to turn online for your regular purchases of household goods and supplies as well as must-have orders like groceries.

With that in mind, it also makes sense to pick up a credit card specifically for online shopping. Credit cards offer considerably more safety for online purchases when compared to debit due to the fact most credit cards offer zero liability coverage, and federal law limits your liability to $50 for unauthorized purchases on top of that. Debit cards, on the other hand, take money directly from your actual bank account, and you could be liable for unlimited losses if you fail to report a fraudulent purchase made with your debit card within 60 days of your statement date.

Most frequently asked questions

How credit cards work ?

The idea behind credit cards is simple: When you use a credit card, you are borrowing money to pay for something. Later on, you must repay what your borrowed. If you take time to pay it back (rather than pay it in full when your credit card statement comes), you’ll be charged interest. The whole credit cards industry rests on this basic premise.

A basic credit card transaction works like this:

What's the difference between Visa and Mastercard?

This is one of the most common questions about credit card companies. Just about every place that takes credit cards takes both Visa and Mastercard, with only a couple of exceptions (such as Visa-only Costco), so consumers are left wondering whether there’s a difference at all.

The most important thing to remember is that neither Visa nor Mastercard issues credit cards. These companies are just payment networks that process transactions. Most of the benefits that come with a card are provided by the card issuer, not the network. And since their acceptance rates are nearly identical, you’re better off focusing on the features of individual cards rather than which network they operate on. Read more about Visa vs. Mastercard.

What's the lowest interest rate on any credit card?

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

How many credit cards should you have?

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

What's the best credit card company?

HTML Table

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

Company Contact Country Country Country Country Country Country
Alfreds Futterkiste Maria Anders Germany Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Centro comercial Moctezuma Francisco Chang Mexico Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Ernst Handel Roland Mendel Austria Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Island Trading Maria Anders Germany Helen Bennett UK Alfreds Futterkiste Maria Anders Germany
Laughing Bacchus Winecellars Yoshi Tannamuri Canada Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Magazzini Alimentari Riuniti Giovanni Rovelli Italy Alfreds Futterkiste Maria Anders Germany Maria Anders Germany

Which is the best Credit card?

Sapphire Chase is one of the best credit card with good apr and good credit.

Not only that, but many of the top credit cards let you earn rewards on your online shopping bill. You can also access valuable consumer protections like purchase protection against damage or theft or extended warranties, among other benefits.

Forbes created this guide to help you in your search for a credit card for online shopping. If you’re in the market for a new credit card that helps you earn rewards while protecting your finances from fraud, keep reading to learn about the top cards.

Read more
Show Summary

One

Petal 2 “Cash Back, No Fees” Visa® Credit Card

Apply Now
On WebBank's Secure Website
Partner Offer
Petal 2 “Cash Back, No Fees” Visa® Credit Card
Click Here To Apply Now
Rates & Fees  / Terms Apply
3.7
Apply Now
On WebBank's Secure Website

Up to 2% Reward Rate

First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, youRead More

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

12.99% - 29.49% (Variable)

Credit Score

Bad/Poor (0 - 649)

Frequent business travelers who are loyal to Marriott Bonvoy hotel brands will love this card's generous perks and rewards.

  • No fees: no annual fee, no foreign transaction fee, no late fee, no over limit fee
  • No security deposit
  • No credit history required
  • No intro APR offer
  • No cash advances or balance transfers
  • Applicants with a damaged credit report may not qualify
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • Variable APRs 12.99% – 29.49%
  • 1% cash back on eligible purchases right away
  • Up to 10% cash back from select merchants
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • $500 – $10,000 credit limits
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you’re pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Two

Southwest Rapid Rewards® Premier Credit Card

Learn More
On Chase's Secure Website
Southwest Rapid Rewards® Premier Credit Card
Click Here To Learn More
Learn More
On Chase's Secure Website

Welcome Bonus

Earn 40,000 points.

Annual Fee

$99

Regular APR

15.99% - 22.99% Variable

Credit Score

Excellent/Good (750 - 850)

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary each year.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Your points never expire.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Credit Card
Petal 2 “Cash Back, No Fees” Visa® Credit Card
Petal 2 “Cash Back, No Fees” Visa® Credit Card
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Petal 2 “Cash Back, No Fees” Visa® Credit Card
Petal 2 “Cash Back, No Fees” Visa® Credit Card
One
Bad/Poor
$0
N/A
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
Two
Excellent/Good
$99
Earn 40,000 points.

Best Credit Cards for Online Shopping

Petal 2 “Cash Back, No Fees” Visa® Credit Card
[ jump to details ]
Southwest Rapid Rewards® Premier Credit Card
[ jump to details ]

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Methodology

When it comes to the best credit cards for online shopping, we focused our search on rewards credit cards that let you earn points for each dollar you spend. We also looked closely at credit cards based on their annual fees, giving preference to rewards credit cards that charge reasonable fees or no fees.

To help narrow top rewards credit card options even more, we looked for credit cards that offer consumer protections and benefits. Finally, we broadened our search to include credit cards that work best for a variety of online merchants that fit with most consumer spending styles.

Most frequently asked questions

How credit cards work ?

The idea behind credit cards is simple: When you use a credit card, you are borrowing money to pay for something. Later on, you must repay what your borrowed. If you take time to pay it back (rather than pay it in full when your credit card statement comes), you’ll be charged interest. The whole credit cards industry rests on this basic premise.

A basic credit card transaction works like this:

What's the difference between Visa and Mastercard?

This is one of the most common questions about credit card companies. Just about every place that takes credit cards takes both Visa and Mastercard, with only a couple of exceptions (such as Visa-only Costco), so consumers are left wondering whether there’s a difference at all.

The most important thing to remember is that neither Visa nor Mastercard issues credit cards. These companies are just payment networks that process transactions. Most of the benefits that come with a card are provided by the card issuer, not the network. And since their acceptance rates are nearly identical, you’re better off focusing on the features of individual cards rather than which network they operate on. Read more about Visa vs. Mastercard.

What's the lowest interest rate on any credit card?

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

How many credit cards should you have?

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

What's the best credit card company?

HTML Table

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

Company Contact Country Country Country Country Country Country
Alfreds Futterkiste Maria Anders Germany Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Centro comercial Moctezuma Francisco Chang Mexico Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Ernst Handel Roland Mendel Austria Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Island Trading Maria Anders Germany Helen Bennett UK Alfreds Futterkiste Maria Anders Germany
Laughing Bacchus Winecellars Yoshi Tannamuri Canada Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Magazzini Alimentari Riuniti Giovanni Rovelli Italy Alfreds Futterkiste Maria Anders Germany Maria Anders Germany

Which is the best Credit card?

Sapphire Chase is one of the best credit card with good apr and good credit.

How to Pick a Credit Card for Online Shopping

If you’re shopping online more than ever right now, picking a credit card with the right combination of rewards and cardholder perks is essential. Consider these tips as you compare cards and decide which one might work best.

  • Look for credit cards that offer bonus rewards on online shopping. Some credit cards offer a flat rate of rewards, whereas others let you earn points in bonus categories that may or may not make sense with how you shop online. If you want to maximize your online shopping bill, however, you should strive to find a card that lets you earn more rewards when you order household supplies, groceries and more on the web.
  • Consider credit cards that come with the consumer protections and cardholder benefits you want. Some rewards credit cards offer cardholder benefits like secondary auto rental coverage, baggage insurance, travel accident insurance, purchase protection and extended warranties. Cards that offer these perks give them to cardholders for free, so you might as well take advantage.
  • Check on credit card fees. Where some credit cards with perks and rewards charge an annual fee, many excellent credit cards with plenty of benefits don’t charge one. We suggest comparing cards you’re considering in terms of their annual fees and other fees they may charge, such as late fees or over-the-limit fees.
  • Make sure you have zero fraud liability. The majority of credit cards come with zero fraud liability, and this includes all the credit cards that made our ranking. This is a huge benefit since you won’t be on the hook for a single cent if someone uses your credit card number to make fraudulent purchases in-person or online.

Most frequently asked questions

How credit cards work ?

The idea behind credit cards is simple: When you use a credit card, you are borrowing money to pay for something. Later on, you must repay what your borrowed. If you take time to pay it back (rather than pay it in full when your credit card statement comes), you’ll be charged interest. The whole credit cards industry rests on this basic premise.

A basic credit card transaction works like this:

What's the difference between Visa and Mastercard?

This is one of the most common questions about credit card companies. Just about every place that takes credit cards takes both Visa and Mastercard, with only a couple of exceptions (such as Visa-only Costco), so consumers are left wondering whether there’s a difference at all.

The most important thing to remember is that neither Visa nor Mastercard issues credit cards. These companies are just payment networks that process transactions. Most of the benefits that come with a card are provided by the card issuer, not the network. And since their acceptance rates are nearly identical, you’re better off focusing on the features of individual cards rather than which network they operate on. Read more about Visa vs. Mastercard.

What's the lowest interest rate on any credit card?

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

How many credit cards should you have?

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

What's the best credit card company?

HTML Table

If the goal is realistic, the final step is establishing a time frame for achieving it. Using this process to set money goals for yourself can act as an incentive to break away from the paycheck to paycheck mold and improve your financial situation.

Company Contact Country Country Country Country Country Country
Alfreds Futterkiste Maria Anders Germany Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Centro comercial Moctezuma Francisco Chang Mexico Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Ernst Handel Roland Mendel Austria Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Island Trading Maria Anders Germany Helen Bennett UK Alfreds Futterkiste Maria Anders Germany
Laughing Bacchus Winecellars Yoshi Tannamuri Canada Alfreds Futterkiste Maria Anders Germany Maria Anders Germany
Magazzini Alimentari Riuniti Giovanni Rovelli Italy Alfreds Futterkiste Maria Anders Germany Maria Anders Germany

Which is the best Credit card?

Sapphire Chase is one of the best credit card with good apr and good credit.

Forbes adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
PE Devs
PE Devs
administrator

Before joining Forbes, I reported for the Hartford Courant and the New Haven Register, covering breaking and local news. I'm a wealth reporter at Forbes. A Connecticut native, I studied journalism at Penn State University. Follow me on Twitter @someUser.

First Published: Dec 24, 2020, 9:59am
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
N/A
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.
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