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Credit Card Applications » Questions » User Questions » Cash Back Rewards » My credit card gives me cash back on all my purchases, and I use it all the time when I’m ...

My credit card gives me cash back on all my purchases, and I use it all the time when I’m buying things online. If I’m going to use the Stein Mart online shopping site, however, should I get a Stein Mart credit card first?

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Leo Zhu

Any kind of credit card can be used online; however not all cards offer the same perks. Looking at some different types of cards is a great idea. Whether you want to use a cash back card, a card that offers points, or possibly a travel card that rewards users with frequent flyer miles and hotel reward points, using your card for online shopping is a good way to rack up rewards. A particular store credit card may not always give you the biggest rewards for shopping online, so be sure to read the terms and conditions carefully before applying. Every time you apply for a credit card, it causes a hard inquiry on your credit report. That can take a toll after a while. That doesn’t mean you shouldn’t apply for a credit card; it just means you should be selective when applying. Make sure the card you’re applying for is really the best card for you.

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Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
For Excellent/Good Credit
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
For Fair Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit

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