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The first thing most of us associate credit cards with is shopping. Many credit cards come with rewards programs and 0% intro APR on purchases, which makes such cards not only convenient for shopping but allows cardholders to benefit from this. Still, one question remains relevant. What to look for and how to choose the best card for purchases when there are so many offers around? To solve this issue, we have carefully selected only first-rate cards like the Citi Rewards+® Card and the Walmart® Credit Card and compared them in the table below. All you need to do is to look through the main features and apply for a credit card that suits you better.
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credit card WITH REWARDS
2021
GREAT BONUS OFFER
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
GOOD REWARDS
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
” Expert's opinion
The Discover it® Cash Back is an ideal choice for those who want to get the maximum use of their credit card while shopping. Whether you prefer in-store or online shopping, this credit card will bring you unlimited 1% cash back on all purchases. What is more, Discover gives you the opportunity to expand your rewards with their 5% cash back at different places each quarter up to the quarterly maximum, each time you activate. Another reason to apply for the Discover it® Cash Back card is its exceptional sign-up bonus. Discover will match all the cash back new cardmembers have earned at the end of their first year. And the icing on the cake is the card's $0 annual fee!
How to put a
credit card TO
GOOD USE

A rewards program is the primary criterion for choosing a credit card for purchases. Points, cashback bonus or miles - that's what you can earn for buying things with your card. Good credit cards allow you to receive rewards on all purchases. In some cases, increased rewards for particular purchases or categories like grocery stores, restaurants, travel, gas, and others are additionally offered. It helps multiply your earnings and benefit even more. Besides ways of earning rewards, it is very important to understand where you can spend them later. There also may be different redemption options: cash, statement credits, travel purchases, gift cards and more. Choose a credit card with a rewards program that corresponds to your needs and spending habits.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.

Getting intro bonuses is the most enjoyable part of the rewards credit card use process. After all, it is always so nice and exciting to receive gifts. Conditions for obtaining a bonus may vary depending on the card. Some rewards credit cards require you to spend a certain amount in the first several months or in some other period, which is a good way to receive additional rewards for usual daily expenses. However, such type of bonus is not always as big. For instance, the Walmart® Credit Card will bring you 5% back in Walmart stores for the first 12 months when you use your card with Walmart Pay. Other cards may not offer a one-time bonus at all. Anyway, whichever shopping card you chose, try to gain from its sign-up bonus by any means.
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Intro 0% APR for purchases can help you save a considerable amount at the start. Especially when it comes to credit cards for purchases since you are supposed to buy a lot with them. Many cards now offer a 6, 12 or even 18 months introductory 0% purchase APR. Sometimes the same conditions apply to balance transfers. Make sure to find out if the chosen card can boast zero introductory period. It is also important to pay attention to what rate you are to expect after that period ends. But the best thing for you is to always keep in mind that paying the entire balance in full every month will save you from being charged any interests at all.
Intro APR on Purchases: 0% (6 months on Purchases)
Ongoing APR: 12.99% (V)
questions ABOUT
CREDIT CARDS
I've been thinking about applying for a cashback credit card that I can use to do my shopping with. I've been considering the Walmart credit card, but the APR is a little high. Are there any cards that you could recommend to me?
As far as store cards go, the Walmart credit card offers a fairly standard cashback system. It allows you to collect 3% back on Walmart purchases, 2% back on qualifying fuel purchases and 1% back on everything else....
Read moreWhat is the best credit card for rewards?
If it is your first rewards credit card, we would recommend applying for a no annual fee credit card with a fixed cash back rate on all purchases, without any changing categories and enrolments. Cash back rewards are...
Read moreI am currently interested in applying for the Walmart credit card, but I don't know what benefits I would receive by applying for it. Do you know what benefits are included with the Walmart credit card and you believe it is worth applying for?
The Walmart card provides a decent amount of shopping benefits. If you're lucky enough to apply for their card during a promotional offer period, you will be able to receive a discount on your first purchase or earn...
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