If you’re on the hunt for the best credit card for all your shopping sprees at department stores, you’re in luck — this blog post has got you covered!
We’ve picked out the top credit cards that can help you earn maximum rewards. Check them out!
Best for Everyday Spending: Chase Freedom Unlimited® (review)
Best for Shopping Abroad: Capital One Venture Rewards Credit Card (review)
Best for Simplicity: Capital One Quicksilver Cash Rewards Credit Card (review)
1. Chase Freedom Unlimited®
Best for Everyday Spending
The Chase Freedom Unlimited® (review) sets itself apart with 1.5% back on non-bonus purchases, plus higher rewards in select categories including dining and travel. This flexible rewards card becomes even more valuable when paired with a premium Chase card, allowing you to transfer your rewards to travel partners.
Welcome Bonus: bonus_miles_full
Earning Cash Back: 5% back on travel purchased through Chase Travel℠; 3% back on dining at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; 1.5% back on all other purchases
CaBenefits: Purchase protection, extended warranty, trip cancellation and interruption insurance, secondary rental car insurance, and 0% intro APR for 15 months from account opening on purchases and balance transfers, after that reg_apr,reg_apr_type APR applies;
2. U.S. Bank Cash+® Visa Signature® Card
Best for Family Expenses
- Earn a $200 Bonus After Spending $1,000 in the First 120 Days.
- 5% Cash Back on the First $2,000 in Spending Each Quarter in Two Categories that You Choose
- 2% Cash Back on one category like Gas Stations and EV Charging Stations, Grocery Stores, or Restaurants
- No Annual Fee
The U.S. Bank Cash+® Visa Signature® Card is a no-annual-fee card offering 5% cash back on:
- Your first $2,000 in combined purchases each quarter in two categories that you choose.
- Prepaid air, hotel, and car rental reservations booked directly in Rewards Travel Center.
You have the option to choose two of the following to earn 5% cash back: (1) Fast Food, (2) TV, Internet, and Streaming, (3) Cell Phone Providers, (4) Home Utilities, (5) Department Stores, (6) Electronic Stores, (7) Sporting Good Stores, (8) Movie Theaters, (9) Gyms/Fitness Centers, (10) Furniture Stores, (11) Ground Transportation, and (12) Select Clothing Stores.
You also have the option of choosing to earn 2% cash back for either: (1) grocery stores and grocery delivery, (2) restaurants, or (3) gas stations and EV charging stations.
All other eligible purchases will earn 1% cash back.
3. Capital One Venture Rewards Credit Card
Best for Shopping Abroad
- Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
- 5x Miles on Hotels, Vacation Rentals, and Rental Cars via Capital One Travel
- 2x Miles Everywhere Else
- Global Entry or TSA Pre-Check Credit
- Hertz 5-Star Elite Status
- Rental Car Insurance and Extended Warranty
- $95 Annual Fee
The Capital One Venture Rewards Credit Card (review) offers 2x miles on every purchase and flexible redemption options through transfer partners or travel statement credits. This card shines with its straightforward rewards structure and useful travel benefits, making it a solid choice for both beginners and experienced travelers.
Welcome Bonus: Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Earning Rewards: 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel; 2x miles on all other eligible purchases.
Card Benefits: Global Entry or TSA PreCheck Credit, no foreign transaction fees, secondary rental car insurance, extended warranty, and lost luggage reimbursement.
Transfer Partners: Accor (2 to 1), Aeromexico, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Emirates, Etihad, Finnair, I Prefer Hotels (1 to 2), Japan Airlines(2 to 1.5), JetBlue (5 to 3), Qantas, Qatar, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Red, and Wyndham Rewards.
4. Capital One Quicksilver Cash Rewards Credit Card
Best for Simplicity
The Capital One Quicksilver Cash Rewards Credit Card (review) keeps rewards simple with unlimited 1.5% cash back on all purchases and includes useful benefits like no foreign transaction fees. The card works best for people seeking a low-maintenance rewards experience, though its earning rate falls behind more specialized cash back cards.
Welcome Bonus: bonus_miles_full
Earning Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel; 1.5% cash back on all other eligible purchases.
Card Benefits: No foreign transaction fees, extended warranty, travel accident insurance, and a 0% intro APR for 15 months from account opening on purchases, then a reg_apr,reg_apr_type APR .
5. Citi Custom Cash℠ Card
Best for Flexible Rewards
The Citi Custom Cash℠ Card offers a unique rewards structure that automatically earns 5x points in your highest spending category each billing cycle, up to $500 in purchases. You’ll maximize your rewards with this flexible no-annual-fee card that adapts to your spending habits across ten useful bonus categories including restaurants, travel, groceries, and gas stations.
Welcome Bonus: bonus_miles_full
Earn Rewards: 5% cash back for your top category each billing cycle up to $500 in the following categories: restaurants, gas stations, grocery stores, select travel (airlines, hotels, cruise lines and travel agencies), select transit (car rentals, parking, EV charging, tolls, etc.), select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.; 1% cash back on all other eligible purchases.
Card Benefits: Access to Citi Entertainment, contactless payment, a free check of your FICO credit score, and 0% intro APR for 15 months on purchases and balance transfer, after that, a reg_apr,reg_apr_type APR applies.
6. Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card (review) delivers both everyday value with unlimited 2x miles on purchases and premium comfort through comprehensive airport lounge access for you upon enrollment. You’ll also receive $300 in annual travel credits plus 10,000 anniversary bonus miles, creating substantial ongoing value.
Welcome Bonus: bonus_miles_full
Earning Rewards: 10x miles on hotels and rental cars and 5x miles on flights and vacation rentals booked through Capital One Travel; 2x miles on all other purchases.
Card Benefits: $300 annual credit for bookings through Capital One Travel, 10,000 bonus miles every account anniversary, airport lounge access (Capital One and Priority Pass) upon enrollment, Global Entry / TSA PreCheck credit, Hertz President’s Circle elite status, primary rental car insurance, trip delay insurance, trip cancellation insurance, and cell phone protection.
Transfer Partners: Accor (2 to 1), Aeromexico, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Emirates, Etihad, Finnair, I Prefer Hotels (1 to 2), Japan Airlines(2 to 1.5), JetBlue (5 to 3), Qantas, Qatar, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Red, and Wyndham Rewards.
7. Chase Freedom Flex℠
The Chase Freedom Flex℠ (review) rewards cardholders with 5x points in rotating quarterly categories and includes solid benefits like cell phone protection and purchase coverage. While the rotating categories require activation each quarter, this card offers significant value for those willing to track and maximize the bonus categories.
Welcome Bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months.
Earn Rewards: 5% back in quarterly bonus categories; 5% back on travel purchased through Chase Travel℠; 3% back on dining at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; 1% back on all other purchases.
Card Benefits: Cell phone protection, purchase protection, extended warranty, trip cancellation and interruption insurance, secondary rental car insurance, and 0% intro APR for 15 months from account opening on purchases and balance transfers, after that a reg_apr,reg_apr_type APR applies.
