Credit Cards for Shopping

With a variety of perks designed for frequent shoppers, which can include cash back, price protection or low intro APR, top credit cards for shopping can help you get the most out of your buying experience.

According to the latest data from the U.S. Census Bureau, roughly 181 million Americans had credit cards in 2010, well over half the population. When Americans go shopping, more and more turn to their credit cards instead of paying with cash.

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One of the reasons why credit cards are popular is because many cards offer benefits such as reward programs and purchase protection. By taking advantage of these features, you can save money on your purchase. However, not all credit card programs are created equal. If you want to get a great deal while you are shopping, you need to use the right credit card for your needs.

Cash Back

The easiest way to save money while shopping is by using a cash back credit card.

Blue Cash Everyday offers 2% cash back at select major department stores. The offer is straightforward, with no rotating categories or quarterly enrollment required.

Blue Cash Everyday® Card from American Express Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership. Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required. No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time. Terms and Restrictions Apply. Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% on Purchases for 12 months None 12.99% - 21.99% (Variable) $0

Price Protection

With the price protection benefit, you'll worry less if the price of an item suddenly drops after you purchase it.

Discover It offers a 0% intro APR on balance transfers for 18 months, a generous cash back structure, and price protection on eligible purchases.

Discover it® The new Discover it card is out to change the way people think about credit cards. Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.* Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cashback Concierge(SM) who guides a free, personalized online tour to help you get the most rewards for how you use your card. Flexible...Choose your own due date and pay up to midnight ET online or by phone. Human...talk to a real person any time with 100% U.S.-based service. 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions. Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 6 months 0% for 18 months 10.99% - 22.99% (Variable) $0

0% Intro APR

If you don't want to pay off your purchases right away, using a credit card will offer you more flexibility than cash. However, carrying a balance can incur a lot of interest. If you plan to make a large purchase, consider using a card with a 0% intro APR on purchases.

Citi Simplicity offers 0% intro APR on balance transfers and purchases for 18 months.

Citi Simplicity® Card 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No late fees - EVER No penalty rate - EVER No annual fee - EVER Save time when you call with fast, personal help, 24 hours a day. Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 18 months 0% for 18 months 12.99% - 21.99% (Variable) $0

Return Protection

To be sure, just because you like something at the store, doesn't mean you'll like it when you go home. Get peace of mind with a credit card with return protection. In a recent CreditDonkey.com survey, 44% of shoppers say they sometimes feel buyer's remorse.

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