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Best Shopping Credit Cards

Most of us know that it's good to spend less and save more -- for retirement, for emergencies, for college, or perhaps for a new car. But America is nevertheless a country full of eager shoppers. A 2016 survey from the folks at the cash-back shopping website Ebates revealed many interesting things, such as 56% of adult respondents saying they buy clothes when they're feeling down and more than a third saying that shopping makes them feel better than eating a pizza. It's hard to get around the fact that just about all of us will do a fair amount of shopping in our lives, but if we're smart, we'll find ways to spend less even when we shop. One great way to do so is to use certain credit cards designed for shoppers.Following are a slew of great credit cards for shoppers that can help you keep more dollars in your pocket.

Best Shopping Credit Cards List

Kohl's Credit Card

  • Save 25% on your first purchase using your new Kohl’s Credit Card
  • This card entitles you to at least 12 special offers.
  • Get another 15% discount when you card arrives in the mail. To be used on separate future order.
  • Spend $600 on your Kohl's Charge to become a Most Valued Customer (MVC) and receive at least 18 discounts a year

Kohl’s Charge Credit Card

The Kohl’s credit card is called the Kohl’s Charge Card, even though you can carry a balance with it like a typical credit card. It offers a generous reward package, but watch out for the high APR.

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is a credit card offered by Amazon and Chase that requires a valid Amazon Prime membership. If you’re an Amazon Prime member and buy a lot on Amazon, this card might be a great fit for you to use on all Amazon purchases.This card is made with metal. Where can I use my Amazon Prime Rewards Visa Signature Card? This card can be used anywhere Visa credit cards are accepted, which is pretty much anywhere credit cards are accepted. There’s also a similar card you can only use at Amazon, the Amazon.com Store Card.

Target REDcard™ Credit Card

Most of us know that it's good to spend less and save more -- for retirement, for emergencies, for college, or perhaps for a new car. But America is nevertheless a country full of eager shoppers. A 2016 survey from the folks at the cash-back shopping website Ebates revealed many interesting things, such as 56% of adult respondents saying they buy clothes when they're feeling down and more than a third saying that shopping makes them feel better than eating a pizza. It's hard to get around the fact that just about all of us will do a fair amount of shopping in our lives, but if we're smart, we'll find ways to spend less even when we shop. One great way to do so is to use certain credit cards designed for shoppers.Following are a slew of great credit cards for shoppers that can help you keep more dollars in your pocket.

Kohler Generators credit Card

  • Pay your bill
  • View past monthly statements
  • Get fast, convenient online access

Target Credit Card

  • Save 5% at Target and Target.com.
  • REDcard gives you 30 extra days for returns.
  • Combine your everyday 5% savings with Cartwheel, Target Subscriptions, and coupons
  • Free Shipping at Target.com
  • Exclusive extras: Special items, offers & 10% off coupon as a gift on your REDcard anniversary each year.

Rewards Credit Cards

MLB™ BankAmericard Cash Rewards™ Mastercard®

  • $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day

Bank of America® Travel Rewards Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases

Southwest Rapid Rewards® Premier Credit Card

  • 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

What is a shopping credit card?

Who doesn’t love shopping? There are those times when you go have to go window shopping just because your wallet doesn’t permit you to do more than that. The answer to your shopping problems —a credit card! Everyone needs help sometimes in the form of credit to buy something that their heart desires. It’s now possible with a little bit of help from your plastic friend. Welcome to the world of credit cards!

Banks and credit card firms have now come up with credit cards that especially cater to those with extravagant shopping needs!

Nowadays, you have a wide variety of shopping cards to choose from, given the level of competition between credit card issuers. There are many advantages to owning a credit card today. It helps you with building a positive credit history provided you pay your bills on time, every month. It has the advantage of convenient payment options, and gives you access to a world of discounts and rewards amongst other things.

Is a shopping credit card right for you?

Shopping Credit Cards are specialized credit cards that offer numerous features that rewards you every time you shop. It comes with a rewards or cashback program specially designed to reward the user with accelerated points every time he/she uses the credit card for shopping transactions like apparel shopping, grocery and supermarket spends. In effect, you are being rewarded for shopping. The credit card issuer pays you back in the form of points which can be redeemed at multiple outlets.

Selection criteria: what makes a great shopping credit card?

When you look for a credit card for shopping needs, you must look at the following criteria:

1. Your Spending pattern: Carefully examine your spending habits and decide what you would like to use your credit card for. If you are an online shopaholic, then choose one which has benefits like an accelerated reward points feature for online spends.

2. Your income: Do you really need a credit card? Can you take care of shopping spends on your monthly income? Carefully consider your monthly net income and decide whether you can afford to have a credit card which could considerably increase your expense and might possibly put you in debt. Choose wisely.

3. Your credit card payment pattern: Easily one of the most important criteria in this list. You should carefully consider your repayment behaviour and make a plan for re payment if needed. It is absolutely vital to pay off your credit card dues on time, every month before the due date, to avoid penalty charges and accumulating interest. Ideally, look for a credit card that offers certain shopping perks but which also offers the best interest rate. Do not go for a credit card that offers numerous rewards for shopping but also has a high interest rate. Whatever rewards you get for spending on your card will be wiped out entirely by the high interest rate you pay on your outstanding.

4. Fees and charges: Before applying for a shopping credit card, make sure about other kinds of fees and charges. Sometimes, a card may offer extremely attractive offers and benefits but the joining fees, annual fees, renewal fees, and other charges might be very high. This may potentially strip you off the rewards that you earn on your spending.

How to make the most of your shopping credit card?

1. Avoid saving your credit card information online. First of all, whenever you save your payment information with an online retailer, you are potentially leaving your credit card information exposed if a data breach were to happen. You don’t know what kind of security measures your favorite online store employs, so it's better to be safe than sorry. In the past, even big brands have used outdated cyber security practices that left their customers vulnerable. With the increasing number of online fraud being committed every year, it's best to be extra cautious. Also, saving your card information online may increase the chances of impulse buys, since it makes it easier for you to get through a checkout. If you have poor impulse control, this is another reason to keep your card off a website's system.

2. Make use of virtual credit cards for added security. Some services allow you to use a temporary virtual credit card number when you pay for things online. The number is good for a single use, and expires immediately after. Therefore, if some hacker were to obtain your payment details, they would be completely useless -- protecting your account. This is known as a virtual credit card. Currently, only Citi and Bank of America offer the service natively for their customers. However, there are some third-party websites that will offer something similar.

3. Check whether your credit card offers online shopping portals. We mentioned Discover Deals in our list above, but that’s not the only shopping portal available. Chase, Citibank and other credit card issuers have their own websites through which you can get additional cash back bonuses on your online purchases. We recommend you call up your customer service line and ask whether such a portal exists for your card, and how you can navigate to it. Most are accessible from your online dashboard.

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Best Shopping Credit Cards Tips

  1. If you want to know your Best Shopping Credit Cards payment details, like your credit card balance. Please contact the Best Shopping Credit Cards customer service or get a Best Shopping Credit Cards application.
  2. In order to manage your Best Shopping Credit Cards payment online, you need to log in to the Best Shopping Credit Cards official website.
  3. About Best Shopping Credit Cards login and how to apply for a Best Shopping Credit Cards, you need to go to the official website.
  4. Getting a Best Shopping Credit Cards application will be a lot of convenience, contact the Best Shopping Credit Cards customer service or go to the Best Shopping Credit Cards official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Best Shopping Credit Cards phone numbers is correct, there will be text alerts.

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