Best Credit Cards For Online Holiday Shopping

Let’s face it, a lot of us are done with the blood-lusted fuel that accumulates from doing our holiday shopping at brick and mortar stores. I surely will resort to doing all of my holiday shopping online, to avoid the awful lines and stressful crowds throughout this season and to keep my joyous energy going as long as possible. With the seasons upon us, it’s almost a necessity that we introduce some of the Best Credit Cards For Online Holiday Shopping to keep you as joyous as possible, with your rewards and with the smiles you put on your friends and family members faces. So be sure to read on to see what cards and perks you should look out for!

Things To Look Out For In Credit Cards:

1. Price Protection is a must. Credit cards with this benefit allows for you to obtain a refund of the price difference if the eligible item that you purchased with the card falls through and drops in price within a set time frame. You can get ahold of our in-depth review on the price protection benefit here.
2. Purchase and Return Protection.  If you purchased an eligible item using a card that has this perk, if it is accidentally damaged, lost or stolen within a set time span after you’ve purchased it, the credit issuer will cover you for a replacement. Typically, the time-frame is within 90 days after you’ve made an eligible purchase
3. Extended Warranty Protection. It’s exactly how it sounds, this feature will add an additional year onto your published manufacturer’s warranty, on eligible items, of course.

Earning travel rewards on your holiday spending is almost impeccable with the Chase Sapphire Preferred® Card, which I assure you, they do not skimp you on your rewards. You can earn 50,000 Bonus Points after meeting a spending of $4,000 in three months of account opening.

In addition to that, you’ll be earning 2x the rewards on every dollar spent on all of your travel and dining purchases, 20% discounts on travel booking through Ultimate Rewards and a variety of travel partners (1:1 transfer ratio), all of a $95 annual fee, waived for the first year. What truly sets this card off as one of the Best Credit Cards for your holiday spending is that they offer purchase protection upwards of 120 days after you’ve made a purchase. Also coverage extends up to $500 per claim, in addition to extended warranty protection plan and an exceptional price protection plan.

Chase Sapphire Preferred Card Summary:

• Learn More
• Maximum Bonus: 50,000 bonus points + Additional 5,000 points
• Spending Requirement: You must spend $4,000 on purchases in the first 3 months from account opening, and add an authorized user (no annual fee) within the first 3 months and they make a purchase.
• Annual Fee: $0 introductory annual fee for the first year ($95 thereafter)
• Bonus Worth: The 50K points alone is worth $625 towards airfare/hotel.

Current sign-up bonus on the Blue Cash Preferred® Card from American Express stands at $250 back in the form of statement credit for spending $1,000 within the first 3 months of account opening. You will be earning a 6% cash back on all grocery store purchases, capped at $6,000 in purchases every year, and 3% on U.S. gas stations & select U.S. department stores.  What makes this card truly a great card for holiday spending is that if you are eligible for an Instant Card Number, you can spend online or through your Digital Wallet before the card even arrives (Great for you new cardholders!). The BCP also offers extended warranty up to 1 year with Price/Purchase protection upwards of 90 days .

Blue Cash Preferred Card from American Express Summary:

• Learn More
• Maximum Bonus: $250
• Spending Requirement: Must spend $1,000 within first 3 months
• Annual Fee: $95
• Expiration Date: None
• Additional Advice: The 6% is capped for $6,000 per year then 1% if you max out the spending.

The Blue Cash Everyday® Card from American Express offers you $200 back in the form of statement credit for spending $1,000 within the first 3 months of account opening. This is the no annual fee variant with 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores and 1% elsewhere. Similar to the Preferred variant, the card offers extended warranty, purchase protection, and ShopRunner benefits.

Blue Cash Everyday Card from American Express Summary:

• Learn More
• Maximum Bonus: $200 statement credit
• Spending Requirement: You must spend $1,000 in purchases within the first 3 months
• Annual Fee: $0
• Expiration Date: None
• Additional Advice:  The AmEx Blue Cash Everyday Card has an excellent cash back program with 3% on supermarkets, 2% at gas stations and department stores, and 1% everywhere else.  This card is perfect for the majority of us who do most of their everyday spending on groceries, gas, and clothing.

The Citi® Double Cash Card is blatantly easy to use: Earn unlimited 1% cashback on every purchase you make on top of 1% cashback as you pay for those purchases, as you pay in full or over time. Namely, what makes this card such a good option is the Citi Rewind Protection program that entitles you a little extra ‘oomf’ when it comes to it’s deadline (120-180 days) and maximum refund policy. Citi will also automatically look for lower prices within the first 60 days. There’s no annual fee attached and definitely no worries (aside from impending APR if you’re outside of the lengthy 18 months 0% Intro).

Citi Double Cash Card Summary:

• Learn More
• Earning Rate: Get 1% cash back for purchases + 1% cash back when paying your bill.
• Best Feature: 0% Intro APR for 18 months on purchases and balance transfers
• Annual Fee: None
• Expiration Date: None
• Additional Advice: Citi Double Cash has no restrictive categories and no limits on the amount of cash back that you earn

Conclusion:

Things you really want to look for in a credit card for your best holiday shopping experience is the rewards, protection benefits and it can even go as far as how lengthy the 0% Intro APR to low standard APR or attractive anniversary benefits/annual credit benefits. If you have any questions or you have a card that you think should be mentioned on this list, then be sure to leave a comment in the comment section below! Also, here are some of our most in-depth guides on Credit Card Price Protection, Credit Card Annual Travel Credits, and be sure to check out our compiled list of Credit Card Promotions today!