Guide to choosing a credit card based on your shopping style

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Research » Guides » Cardholder Benefits » Guide to choosing a credit card based on your shopping style

Guide to choosing a credit card based on your shopping style

The content is accurate at the time of publication and is subject to change.
When you consider opening a first-time or additional credit card there are lots of things to consider. Your current credit score, the APR rate, interest charges, penalty fees and the rewards or benefits that the credit card company is offering you. While all of these things are important, in fact critical, to choosing the right credit card for you, don’t forget one of the most important things you use your credit card for is shopping. The following guide will walk you through common shopping styles and help you pick the right set of rewards and guidelines for you when choosing a card. Are you a brand loyalist? If you find yourself always buying the same brand jeans, shopping at the same set of stores or traveling on the same airline – you may want to look into the store credit card that the outlet you go to most offers. Usually store credit cards offer a large upfront discount when you sign up and then grant you annual perks like additional coupons at the store you frequent. It may also come with free upgrades or free shipping. This is a good option for a second or a third credit card. It’s rare that restaurants and other places take store credit cards. Are you a bargain hunter? If you choose your OJ by which is 2 cents cheaper instead of taste, if you are constantly cutting coupons or seeking out the best deal then you are most likely a bargain hunter. The best kind of credit card for this shopper type is one of the major card carriers or banks. A card that lets you shop at a variety of places and earn cash back on your bill or get discounts at a variety of stores. Remember just because you are saving money – you are still spending it. Don’t forget to pay your balance each month or all of those savings will turn into money you owe the credit card company. Some rewards cards even restrict discounts for cardholders that don’t pay their bills on time. Are you a saver? Do you always pay your bill on time? Do you only use your credit card in case of emergencies? If you are not using your credit card regularly you want to make sure that your card does not charge you any fees for not using it. Look for a card that rewards shoppers for paying the full balance on time. You will also want to check how long a card can go unused before you need to reactivate it. Are you a social shopper? Do you like telling your friends about what you buy and sharing coupons? Several major credit card companies, including America Express, have begun using social programs to reward their cardholders with special discounts to share. Consider signing up for a card that will let you interact on Facebook or Twitter in order to earn reward points. If it is something that comes naturally to you, you might as well earn reward points while you do it.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Add to Favorites:
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.

Related Research:

Autumn 2018: Best Rewards Credit Cards for Thanksgiving Shopping

Autumn 2018: Best Rewards Credit Cards for Thanksgiving Shopping

Posted: November 8, 2018

Thanksgiving is coming, and whether you are hosting a meal or coming as a guest, your spendings are going to accumulate faster than you can notice. A holiday feast is a costly matter – each year Americans spend around $50 on a Thanksgiving ... Continue reading
The Best Credit Card for Earning Cash: Discover it® Cash Back

The Best Credit Card for Earning Cash: Discover it® Cash Back

Posted: November 2, 2018

You’ll have hundreds of dollars in your pocket in no time because you’ll earn money back on every purchase you make with this card. There are no restrictions on the amount of cash back you can get, and Discover even matches every penny you ... Continue reading
Top 5 Cards for Travel from Our Partners: Autumn 2018 – Expert’s Choice

Top 5 Cards for Travel from Our Partners: Autumn 2018 – Expert’s Choice

Posted: October 10, 2018

Nights are drawing out, the wind is colder every day and you already feel the lightest breath of winter on your face - autumn is here. Holidays are over, kids are back to school and all you are left with are hefty holiday bills that you ... Continue reading
You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!