The Best Credit Cards For Shopping And Cash Back

christmas, shopping

The best credit card for every type of spender.

discover credit card

Discover It Cash Back Card

Welcome Bonus: Cashback Match*

Annual Fee: $0

If you want to be strategic about getting the most cash back, this is the card for you. Every quarter you have the opportunity to earn 5% back on specific categories, with places like Amazon and Target conveniently highlighted October through December for maximum return on holiday gifts. Here are some highlights:

  • 5% cash back at different places each quarter:
  • January to March: Grocery stores
  • April to June: Gas stations, Uber/Lyft
  • July to September: Restaurants and Paypal
  • October to December:,,
  • 1% on all other purchases

Discover will automatically match all the cash back earned at the end of your first year.

citi credit card

Citi Double Cash Card

Welcome Bonus: N/A

Annual Fee: $0

It might not have a welcome bonus, but if you're looking for cash back, this card is hard to beat. And there are no limiting categories or exclusions to remember, either. Just sweet, sweet cash back with no caps. Here are the details:

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, all you have to do is pay at least the minimum due on time.
  • Minimum cash back to redeem is $25.
  • 0% intro APR on Balance Transfers for 18 months.
american express

American Express Blue Cash Preferred Card

Welcome Bonus: $250*

Annual Fee: $95

This is the ultimate credit card for moms and families who go through a lot of groceries. Here are more highlights:

  • 6% cash back on U.S. streaming subscriptions and at U.S. supermarkets.
  • 3% on transit (taxis/rideshare, parking, tolls, trains, buses) and at U.S. gas stations.
  • 1% on everything else.
  • 0% intro APR on purchases and balance transfers for 12 months.
  • Get free 2-day shipping on eligible items with ShopRunner.

The welcome bonus is earned after spending $1,000 within the first 3 months.

chase credit card

Chase Freedom Unlimited Card

Welcome Bonus: $150*

Annual Fee: $0

Like the Citi Double Cash card, this card also has no categories or exclusions to worry about. While the cash back % is slightly less, it does come with a signing bonus that is relatively reasonable to achieve. Here are the details:

  • 1.5% unlimited cash back on all purchases.
  • No minimum to redeem for cash back.
  • Cash Back rewards do not expire as long as your account is open.
  • Free credit score, updated weekly.

The welcome bonus is earned after spending $500 on purchases in the first 3 months from account opening.

gap credit card

Gap Visa Card

Welcome Bonus: 20% off your first purchase*

Annual Fee: $0

If you do a lot of shopping at Gap, Banana Republic, Old Navy, Piperlime, or Athleta, you'll wish you already had this card. Not only does it come with numerous Gap-related perks, it's also an open-loop card, meaning you can use it everywhere for purchases - not just at that specific store. Here are the highlights:

  • 5X points spent on the Gap and affiliated brands (Banana Republic, Old Navy, Piperlime, Athleta), both in-store and online.
  • 1X spent on all other purchases.
  • 20% off your first Gap purchase using your card, and 10% off every time you shop at the Gap.
  • $5 reward every time you earn 500 points.
  • No receipt needed for returns.

Must use card with purchase.