Chase Sapphire Reserve℠
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Question

Which Credit Card Is Best for Avid Shoppers?

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TPG reader Katie tweeted me to ask:

@thepointsguy—”I currently have the Chase Sapphire Preferred card, but I do a lot of shopping, so what other credit card(s) should I get?”

The Chase Sapphire Preferred is one of my favorite credit cards because you get double points on all travel and dining. The travel category includes all sorts of expenses you might not expect, like tolls and parking. It’s the perfect card to have if you travel a lot and dine out often, which is pretty much what I love to do!

If you already have this card and (like Katie) you love to shop, there are some other options. If you love high-end shopping, there isn’t one specific card that offers a good bonus. However, some cards will occasionally offer bonuses on department store shopping, like the Chase Freedom card or the Discover It card. Sometimes you can also get bonuses for shopping on Amazon.com.

Aside from the above cards that may offer you bonuses for shopping at specific retailers, I would suggest using the Starwood Preferred Guest Credit Card from American Express for your shopping expenses. In my most recent monthly valuations, I list Starpoints at 2.4 cents apiece, making them the most valuable points out there, especially if you value hotel stays and the flexibility to transfer to airlines. You can also redeem Starpoints for experiences, which I recently did when I took my dad to see a Knicks game in the SPG Luxury suite.

Basically I love the SPG program, and I also love Amex for shopping because they offer strong purchase protection and extended warranty programs. I’ve always had very positive experiences when it comes to Amex protecting my purchases. So, added protection plus highly valuable points makes shopping with the SPG Amex a win-win.

If you are a shopping addict, you have a lot of options when it comes to credit cards. Photo courtesy of Shutterstock.
If you like to shop, you have a lot of options when it comes to credit cards. Photo courtesy of Shutterstock.

Another tip is to make sure you do any online shopping through shopping portals. Many stores offer big bonuses, especially around the holidays, back to school, Mother’s Day, or just randomly. This holiday season we saw some retailers (like Neiman Marcus) offering up to 10 miles per dollar spent through portals. We’ve recently seen some gift and flower retailers offer up to 35 miles per dollar spent.

An easy way to maximize your earnings through shopping portals is by using EVReward, which tells you how much you can earn at a given retailer through all the major portals. This way, you’re double dipping and getting as many points or cash-back rewards as possible for your purchases.

Finally, you could simply get a card that offers a big sign-up bonus, like the 50,000 Ultimate Rewards points you get after spending $5,000 in the first three months on the Chase Ink Plus card. If you know you’re going to spend that amount anyway, the sign-up bonus should offer a greater overall return than you could get otherwise.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook, or send me an email at info@thepointsguy.com.

Starwood Preferred Guest® Credit Card from American Express

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  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • See Rates & Fees
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A 15.49%-19.49% Variable $0 introductory annual fee for the first year, then $95. 0% Excellent Credit