Best Credit Cards For Online Shopping

Discover it Student Cash Back Credit Card Review

Rating: 4 Stars

Bottom Line:
High Cash Back for Students

Card Details

Regular APR:	14.99% – 23.99% (Variable)
Intro APR (Purchases):	10.99% for 6 months
Intro APR (Balance transfers):	10.99% for 6 months
Rewards Rate:	5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to $1,500 per quarter each time you activate 1% unlimited cash back on all other purchases. Discover has cash back match at end of first year
Credit Needed:	(300-669) Bad/Fair
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO?
Credit Score, number of recent inquiries and more.
Freeze It? on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% ? 23.99%.

Is Discover it Student Cash Back Credit Card worth it?

Discover it Student Cash Back is a great card for students who want to build credit and take advantage of rotating cash back categories. For students who are more interested in ongoing rewards, this card provides 5% cash back in rotating categories and 1% unlimited cash back and Discover will match all cash back at the end of the year.

Pros

Build your credit
Higher than average cash back rewards for a student card

Cons

5% cash back categories must be activated, online or by phone, to take effect

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Student Cash Back

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Discover it Cash Back Credit Card Review

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Finance Purchases

Apply Now

Card Details

Regular APR:	13.99% – 24.99% (Variable)
Intro APR (Purchases):	0% for 14 months
Intro APR (Balance transfers):	0% for 14 months
Rewards Rate:	5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
No annual fee.

Is Discover it Cash Back Credit Card worth it?

Discover it Cash Back is a solid cash back card with the option to pay off purchases or debt at 0% for 14 months. This card has 5% cash back in popular, rotating categories up to the quarterly max. The ongoing unlimited cash back is 1%, which is an average cash back rate.

Here?s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020	Grocery Stores, Walgreens, and CVS
Apr – Jun 2020	Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020	Restaurants and PayPal
Oct – Dec 2020	Amazon.com, Walmart.com and Target.com

Pros

Discover doubles all earned cash back at end of first year
0% Intro APR for 14 months on purchases and balance transfers
No annual fee

Cons

Quarterly cap for 5% cash back is $1,500
No intro bonus

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Cash Back

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American Express Blue Cash Everyday Review

American Express Blue Cash Everyday Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back On Groceries and 0% Intro Interest on Purchases and Balance Transfers

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	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 & select U.S. department stores 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $175 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
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 & select U.S. department stores
1% cash back on other purchases
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express? Cards in 2018.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
$95 annual fee.
Terms Apply.

Is Blue Cash Everyday from American Express worth it?

Blue Cash Everyday from American Express is a solid no annual fee card for cardholders who spend a lot on groceries and gas. With 0% Intro APR for 15 months, this is also a solid card for paying off big purchases over time.

Pros

3% cash back on up to $6,000 in purchases at U.S. supermarkets, then 1%
2% cash back at U.S. gas stations and select U.S. department stores, including Kohl’s, J.C. Penney, and Macy?s. In store and online purchases at these department stores receive cash back.
No annual fee

Cons

Travel (flights) rewards fall in 1% cash back category

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	2% of the amount of each transaction
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel and Emergency Assistance

Get Started with American Express Blue Cash Everyday

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Discover it Balance Transfer Review

Discover It Balance Transfer Credit Card

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Pay Off Debt

Apply Now

Card Details

Regular APR:	14.24% – 25.24% (Variable)
Intro APR (Purchases):	0% for 6 months
Intro APR (Balance transfers):	0% for 18 months
Rewards Rate:	5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate 1% unlimited cash back on all other purchases automatically
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There?s no signing up. And no limit to how much is matched.
arn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back any amount, any time. Rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.

Is Discover it Balance Transfer worth it?

Discover it Balance Transfer is a strong balance transfer card with a 0% balance transfer intro APR offer for 18 months. With the cash back match, 5% cash back in activated categories, and ongoing 1% cash back, this is a strong rewards card too.

Discover it? Balance Transfer has a shorter 0% Intro APR period on purchases, 6 months, and a longer 0% period on balance transfers, 18 months, versus Discover It Cash Back, which has 14 months of no interest on both purchases and balance transfers. The cards are otherwise the same, so the only decision to make is whether financing or paying off debt is more important to you. You can’t go wrong with either one when it comes to cash back as they earn the same amount and have the same calendar of cash back categories.

Here’s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020	Grocery Stores, Walgreens, and CVS
Apr – Jun 2020	Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020	Restaurants and PayPal
Oct – Dec 2020	Amazon.com, Walmart.com and Target.com

Pros

0% Intro APR on balance transfers for 18 months
No annual fee
Cash back match – Discover will match the cash back you earn the first year

Cons

3% balance transfer fee
5% cash back requires activating categories

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

4 Stars

Overall

5 Stars. ?????

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Balance Transfer

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Starbucks Rewards Visa Review

Rating: 4 Stars

Bottom Line:
For Starbucks Regulars

Apply Now

Card Details

Regular APR:	17.74 – 24.74 (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn up to 3 Stars per $1 spent at Starbucks stores: 1 Star per $1 when digitally loading your Starbucks Card with your Starbucks Rewards Visa Card (excludes money added at the register), plus 2 Stars per $1 spent when that Starbucks Card is used to pay at Starbucks stores Earn 1 Star per $2 you spend at grocery stores, on local transit and commuting, and on internet, cable, and phone services Earn 1 Star per $4 you spend outside of Starbucks stores
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$49
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 6,500 Bonus Stars after you spend $500 using your Starbucks Rewards Visa Credit Card anywhere in the first 3 months from account opening
Put your daily life – like rideshare services and grocery store purchases – on your Starbucks Rewards Visa Card to collect Stars faster. Earn 1 Star per $2 you spend at grocery stores, on local transit and commuting, and on internet, cable, and phone services
Earn up to 3 Stars per $1 spent at Starbucks stores: 1 Star per $1 when digitally loading your Starbucks Card with your Starbucks Rewards Visa Card, plus 2 Stars per $1 spent when that Starbucks Card is used to pay at Starbucks stores
We’ll send you 8 Barista Picks throughout the year – food and drinks we love, curated just for you. Exclusive to your Starbucks Rewards Visa Card. Consider it a “just because” benefit
Earn 300 Bonus Stars the first time you use your Starbucks Rewards Visa Card to add money to your Starbucks account

Is Starbucks Rewards Visa worth it?

Starbucks Rewards Visa is a solid card for Starbucks fans. You will earn stars and 50 stars can be redeemed for a Brewed hot coffee, bakery item or hot tea and 150 can be redeemed for a custom drink, hot breakfast or parfait.

You earn 6,500 Bonus Stars after you spend $500 using your Starbucks Rewards Visa Credit Card anywhere in the first 3 months. That’s 6500 / 150 = more than 43 custom drinks. If you value a drink at $5, that’s more than $200 of value, and a single star is worth $5 / 150 = more than three cents. That’s great the first year, but there?s a $49 annual fee.

If you really like Starbucks, this is a great card for you, you just have to buy 100 drinks for it to make financial sense. For example, let’s assume you earn the full 3 stars per $1 when you go to Starbucks and use this card. That’s 1 Star per $1 when digitally loading your Starbucks Card with your Starbucks Rewards Visa Card plus 2 Stars per $1 spent when that Starbucks Card is used to pay at Starbucks.

To get $50 of value or more to cover the annual fee you would have to earn $50 / $5 = 10 free drinks x 150 stars = 1500 stars. You could earn 1500 stars by spending 1500 stars / 3 stars per $1 = $500 annually on $500 / $5 = 100 custom drinks.

Of course, it?s not always about the payoff, sometimes there are side perks, like getting Barista Picks recommended for you by being a cardholder. In either case, this is a great card for people who go to Starbucks a few times a week or enjoy getting recommendations from Baristas.

Pros

Stars earned do not expire as long as your Starbucks Rewards Visa Credit Card account is open
8 Barista Picks throughout the year – food and drinks we love, curated just for you

Cons

$49 annual fee
Grocery stores, local transit and commuting, and internet, cable, and phone services rewards rate of 1 Star per $2 is not great, even if stars are worth 3 cents, that’s 1.5% back and it?s not cash, it’s Starbucks stars

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel and Emergency Assistance

Trip Cancellation/Interruption Insurance

Get Started with Starbucks Rewards Visa

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NHL Discover it Review

Rating: 5 Stars

Bottom Line:
For NHL Fans Who Want Cash Back

Apply Now

Card Details

Regular APR:	13.74 – 24.74 (Variable)
Intro APR (Purchases):	0% for 14 months
Intro APR (Balance transfers):	Transfers after January 20, 2020 no longer get 0% for 14 months
Rewards Rate:	Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate earn unlimited 1% cash back on all other purchases ? automatically
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Real Fans Carry it: When you love your team, you want the world to know. Show everyone which NHL team you like best by getting your team’s Discover it Card today
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically
We?ll automatically match all the cash back you’ve earned at the end of your first year. There?s no signing up. And no limit to how much we’ll match
Free Social Security number alerts: we’ll monitor thousands of Dark Web sites when you sign up
0% Intro APR for 14 months on purchases and balance transfers. After January 10, 2020 you no longer get 3% Intro Balance Transfer Fee
Card art for any team: Pick your favorite

Is NHL Discover it worth it?

NHL Discover it is a great card for NHL fans who like rotating cash back. The 5% cash back categories change each quarter and may include one or more of the following: gas stations, grocery stores, restaurants, Amazon.com and more. Unfortunately, the 5% cash back stops at a maximum of $1,500 each quarter. Cardholders who spend more than $500/month will want to make sure they have another card to get rewards on everyday expenses once they hit the maximum.

The cashback match is a great feature: Discover will automatically match all the cash back you?ve earned at the end of your first year. This card is basically the same as the Discover it? Cash Back, and like that card it is highly recommended.

Pros

Cashback Match: Discover will automatically match all the cash back you?ve earned at the end of your first year
Card art for any team: Pick your favorite
No annual fee
No foreign transaction fee

Cons

5% cash back stops at a maximum of $1,500 each quarter

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Starting January 10, 2020, you no longer get 3% of the amount of each transfer. It then becomes 5% of the amount of each transfer
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with NHL Discover it

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Chase Freedom Review

Rating: 5 Stars

Bottom Line:
Very High Cash Back Categories With Cash Back Caps and 0% Intro APR

Apply Now

Card Details

Regular APR:	16.74% – 25.49% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Best Freedom bonus offer: $200 cash back after you spend $500 on purchases in the first 3 months from account opening. Offer only available when applying directly with Chase
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
No annual fee
3% intro balance transfer fee for transfers in first 60 days

Is Chase Freedom worth it?

Chase Freedom is a great card for anyone who stays on top of their spending habits. First, cardholders get $200 cash back after you spend $500 on purchases in the first 3 months from account opening. This is a great, easy to obtain bonus.

Chase Freedom is also a great card for people looking to finance purchases or pay off debt. The intro APR for purchases and balance transfers is 0% for 15 months.

For people who stay up-to-date with the current rewards categories, the number one advantage of Chase Freedom is 5% cash back on up to $1,500 in combined purchases in specific categories each quarter you activate.

Categories are generous and include gas stations, grocery stores not including Walmart and Target, streaming services, department stores, Paypal, and the Chase Pay mobile wallet, which also provides additional offers through partnerships with other department stores and credit cards.

If you can take advantage of the 5% cash back, Chase Freedom is more than worth it for no annual fee.

Pros

$200 cash back after you spend $500 on purchases in the first 3 months from account opening
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
No annual fee
Transferring Chase Freedom points to other Chase cards yields a high rewards rate on Chase Ultimate Rewards – for example, 30,000 points earned from maximizing the Chase Freedom’s 5% rewards categories would be worth about $375 on Chase Ultimate Rewards if you have the Chase Sapphire Preferred or $450 on Chase Ultimate Rewards if you have the Chase Sapphire Reserve. If you used the points directly that you earned from Chase Freedom, they would be worth only about $300.

Cons

This card has rotating cash back with a quaterly maximum spend. This is a more complicated rewards structure than other cards that have unlimited 1.5% or 2% flat cash back rates.

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel and Emergency Assistance

Get Started with Chase Freedom

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Bank of America Cash Rewards Credit Card for Students Review

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures For Students

Apply Now

Card Details

Regular APR:	15.74% – 25.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings 2% cash back at grocery stores and wholesale clubs Up to $2,500 in combined 3% category and 2% grocery store/wholesale club quarterly purchases 1% cash back on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
No annual fee
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% ? 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No expiration on rewards
If you?re a Preferred Rewards member, you can earn 25% ? 75% more cash back on every purchase

Is Bank of America Cash Rewards Credit Card for Students worth it?

Bank of America Cash Rewards for Students is an excellent card for students who want rewards. This card is identical to the Bank of America Cash Rewards card, which is a great cash back card. Purchases on gas, online shopping, dining, travel, drug stores or home improvements and furnishings earn 3% cash back and are selected by the cardholder monthly.

Pros

$200 signup bonus after spending $1000 in first 90 days of account opening
Build your credit
0% for 15 months on purchases and balance transfers
No annual fee

Cons

3% and 2% rewards rate is capped at $2,500 in combined purchases per quarter

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the amount of each transfer or $10, whichever is greater
Cash Advance Fee	See Terms
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Cash Rewards Credit Card for Students

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Amazon Business American Express Card Review

Rating: 4 Stars

Bottom Line:
Rewards on Monthly Expenses

Apply Now

Card Details

Regular APR:	12.24% – 15.24% (Variable)
Intro APR (Purchases):	If 60 day interest option is chosen – 60 days interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market
Intro APR (Balance transfers):	None
Rewards Rate:	If 3% back option is chosen – 3% back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.), or apply towards a purchase on your statement 2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers 1% cash back on other purchases
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get a $100 Amazon.com Gift Card upon approval.
Plus, earn an additional $100 statement credit after you spend $3,000 on the Card in the 2% Back and 1% Back categories in your first 3 months.
Focus on your bottom line – Get unlimited 3% Back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.), or apply towards a purchase on your statement OR free up cash flow. Rather buy now and pay later? Get an extra 60 days interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market.
2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% cash back on other purchases
Enhanced data views – Amazon Business purchases will be listed item by item so you can track business purchases at a glance.
Business-only pricing – enjoy exclusive prices and quantity discounts on more than 5 million products.
Employee purchase control – Set up multi-user accounts, shared payment methods, approval workflows, and spending limits.

Is Amazon Business American Express Card worth it?

Amazon Business American Express Card is a solid card for business owners who make purchases at any of four Amazon-owned companies who are not Amazon Prime members. With no annual fee and either 3% back or 60 days interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market, this card offers a reasonable choice to business owners. You can choose to take more time to pay off a purchase or you can pay it off right away during that billing period and get the rewards. American Express Plum Card has a similar feature, where you can get a 1.5% early-pay discount, or you can get up to 60 days interest free.

Other no-annual fee cards offer longer interest-free periods though, so for business owners financing expenses all at once upfront, 60 days interest free is not that attractive. If that’s not the case though, and instead there will be expenses purchased later than a year or more after getting the card that need financing, the 60 day interest free period starts to become useful. If you have a Prime membership you could apply for Amazon Business Prime American Express Card, and it goes up to 90 days.

Rewards are provided in point form and are redeemable as statement credit or to pay for eligible purchases at Amazon.com or Amazon.com/Business. Points are worth the normal amount of one cent each. 2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers covers most common credit card expenses when you combine it with Amazon for almost anything you need and Whole Foods Market for groceries. There’s no rewards on common expenses like drugstores and wholesale clubs, and travel, if that’s a common expense for you.

The 3% Back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market is great, considering Amazon is called “The Everything Store”. If you had a $129 Amazon Prime membership, you could get 5% back by applying for Amazon Business Prime American Express Card. There are some other store cards that offer 5% back though. TJX Rewards Platinum MasterCard gets 5% back at Marshalls, HomeGoods, Sierra (formerly Sierra Trading Post), and Homesense. And Target REDcard MasterCard, which gets 5% back at Target. However, neither of these cards have sign up bonuses. Amazon Business American Express cardholders get a free $100 Amazon gift card and a $100 statement credit if you spend $3000 in the first 90 days in the 2% and 1% categories. This is an important gotcha if you want the statement credit. Amazon Business, AWS, Amazon.com and Whole Foods Market won’t count.

If you are already spending a lot at Amazon or Whole Foods, or if you frequently need extra time to pay off purchases there, this card is a no-brainer.

Pros

$100 Amazon gift card upon approval
3% cash back or 60 days interest free on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market
No annual fee

Cons

Amazon Prime membership would earn 5% cash back with the Amazon Business Prime American Express Card
60 day interest free period is not competitive with cards who offer longer interest free periods for all purchases if you are financing purchases as soon as you open the card
No travel rewards

Why 5 Stars?

Regular APR

The interest rate is nothing special, 15.99% – 23.99%. It could be higher or lower in that range depending on your credit score and varies with the Prime rate.
4 Stars

Intro APR

No Intro APR on balance transfers or purchases is normal for most business cards, but it doesn’t do you any favors if you’re looking to finance a big expenses as soon as you get the card. However, the 60 day interest free option on Amazon Business, AWS, Amazon.com and Whole Foods Market purchases is nice to have to turn on whenever you need it.
4 Stars

Fees

No annual fee and no foreign transaction fee. Check.
5 Stars

Perks

The 3% back at Amazon Business, AWS, Amazon.com and Whole Foods Market is great, but if you had a Prime membership, you could get Amazon Business Prime American Express Card and get 5% back.
4 Stars

Overall

If you’re already spending a lot at Amazon or Whole Foods, you’ll immediately start to get a significant 3% discount on those purchases with Amazon Business American Express. Or, you can push some of them out for 60 days if you need a little breathing room to pay them off. This card has a definite purpose, but it’s not for travel and it wouldn’t be the primary spending card in most business owners’ wallets.
4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	No Balance Transfers
Cash Advance Fee	3% of the amount of each transaction or $5, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Amazon Business American Express

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PayPal Cashback Mastercard Review

Rating: 5 Stars

Bottom Line:
High Cash Back for Paypal Account Holders

Apply Now

Card Details

Regular APR:	21.99%, 25.99% or 28.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Get 2% cash back every day, every purchase, every time you use your card
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Get 2% cash back every day, every purchase, every time you use your card. No exceptions. No rotating categories to keep track of
Redeem Cash Rewards right to your PayPal balance** — start enjoying your rewards today! No redemption threshold

Is PayPal Cashback Mastercard worth it?

PayPal Cashback Mastercard is a solid card for Paypal account holders who appreciate cash back as a form of redemption. You get 2% cash back every day, every purchase, every time you use your card. 2% unlimited cash back is as high as the best credit cards go, like the Citi Double Cash.

Note there have been customer reports of below average customer service on the PayPal side. The card is also issued by Synchrony Bank, which ranked 10/11 in a 2018 study by JD Power on customer satisfaction among credit card issuers.

Pros

No redemption threshold: no minimum amount to redeem
Cash back gets posted to your PayPal balance, then you can deposit it in your bank account if you want

Cons

No foreign transaction fee
Issued by Synchrony Bank, which does not have the most up-to-date customer portal experience
Must have a PayPal account

Why 5 Stars?

Regular APR

The ongoing APR varies depending on your credit score, but the lowest it will be is above 20%. At worst, it could be 28.99%, which is very high.
4 Stars

Intro APR

There is no Intro APR for purchases or balance transfers.
4 Stars

Fees

There is no annual fee, no foreign transaction fee, no penalty APR, and no balance transfer fee. The cash advance fee is average at 3%.
5 Stars

Perks

2% unlimited cash back is as good as it gets. The competition have slightly different redemption schemes: With Citi Double Cash, you get 1% cash back when you make the purchase and 1% when you pay the bill. And with Fidelity Rewards Visa Signature Card, you only get 2% if you deposit into a Fidelity account.

With PayPal Cashback Mastercard, you deposit into your Paypal account, but once you take that step you can transfer the balance to your bank account.
5 Stars

Overall

The benefits aren’t great, but 2% unlimited cash back is excellent.
5 Stars

Fees

Foreign Transaction Fee	0%
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99% APR

Benefits

$0 Fraud Liability

Extended Warranty Program

Purchase Protection

Get Started with PayPal Cashback Mastercard

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