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One of the areas of credit card rewards that’s fraught with misinformation is clothes shopping.
With thousands of different companies to shop at, thousands of different store credit cards you can sign up for, and countless types of reward structures, it’s getting increasingly difficult to filter out the noise from the good information.
Luckily, we at Upgraded Points live and breathe credit cards and rewards, so we’re always going to be striving to give you the best, most accurate information.
Sure, you might find value in the Target RedCard™ if you only shop at Target stores, but what if you visit a variety of different clothing stores?
In this guide, we’ll show you how to find the best credit card for your shopping needs, as well as recommend our favorite credit cards for clothes shopping, both personal and business cards.
One of the things you’ll be tempted to do is sign up for that shiny new store credit card issued from the likes of Comenity or Synchrony. You’ve almost certainly seen the promotional materials — sign up for your store credit card today to save 15% off of your purchase!
You’ll need to resist every urge you have to sign up for a store credit card because the rewards and savings they offer are rarely worthwhile! If they give rewards, the points are often almost worthless.
The bad news is that there isn’t a specific credit card that offers huge rewards on clothes shopping as a broad category — so what you’ll want to do is look for a credit card that rewards you the most on everyday purchases.
Let’s take a look at all of our best credit cards for clothes shopping, starting with personal cards!
| Card | Welcome Offer and Annual Fee | Clothes Shopping Benefits |
| Chase Freedom Unlimited® |
|
|
| Citi® Double Cash Card |
| 2% cash-back on all purchases (1% when you make a purchase and 1% when you pay, earned as ThankYou Points) |
| Capital One Venture Rewards Credit Card |
| 2x miles on all non-bonus purchases |
| The Platinum Card® from American Express |
|
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| Blue Cash Everyday® Card from American Express |
| 3% cash-back on U.S. online retail purchases, on up to $6,000 per year, then 1%. |
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
It’s no surprise that our favorite credit card for clothes shopping is the Freedom Unlimited card. Because it earns 1.5% cash-back on all non-bonus purchases regardless of the category, we’re big fans of using this card for broad shopping purposes.
And while you might be wondering why we’re writing about a card that earns 1.5% cash-back, the secret is in knowing that you can convert your cash-back to Ultimate Rewards points with the right credit cards.
Specifically, if you hold the Freedom Unlimited card and the Chase Sapphire Preferred® Card, the Chase Sapphire Reserve®, or the Ink Business Preferred® Credit Card, you can convert your cash-back to Ultimate Rewards points at a 1% to 1x ratio.
This means that your 1.5%, 3%, and 5% cash-back structures are equal to a 1.5x, 3x, and 5x Ultimate Rewards points earning structure, meaning that your clothes shopping purchases would translate into a 3% return on spending based on our points and miles valuations.
You’ll also find useful benefits like travel insurance, secondary rental car coverage, purchase protection, extended warranty, zero liability protection, fraud protection, and much more.
The Freedom Unlimited card, by itself, does not earn Ultimate Rewards points.
However, if you pair the Freedom Unlimited card with a card like the Chase Sapphire Preferred card, Chase Sapphire Reserve card, or Ink Business Preferred card, you can convert your rewards to Ultimate Rewards points.
But it’s what you can do with your Ultimate Rewards points that make things fun. With Ultimate Rewards, you can transfer your points to the Chase transfer partners to book luxury travel like business and first class flights!
Of course, you can similarly redeem your points for cash-back, gift cards, travel booked through the Chase travel portal, or Shop at Amazon.
For these reasons, converting your cash-back to Ultimate Rewards points dramatically increases the value of your rewards to around 2 cents per point!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
The Citi® Double Cash Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
The Double Cash card is a sleeper credit card — that’s to say that most people write off this card as a “lame cash-back credit card.” But in reality, it offers some of the best rewards on everyday purchases out there, including clothes shopping.
When you spend on the Double Cash card, you will earn 2% cash-back (1% when you make a purchase and 1% when you pay, earned as ThankYou Points), and your rewards accrual comes with no caps on rewards.
This is extraordinary because you can potentially convert your points to fully transferable points, making this the only card that can earn 2x flexible rewards points with no caps on all purchases! Standard card benefits include fraud protection, zero liability for unauthorized purchases, a late fee pass, flexible pay dates, and access to Citi Private Pass for event tickets.
We mentioned that while the Double Cash card earns Citi ThankYou Rewards points with limited uses, you can actually expand the flexibility of your Citi ThankYou points and transfer them to a suite of airline partners if you have a qualifying ThankYou Rewards credit card.
Normally, you can redeem your Double Cash card’s points for cash-back, transfers to limited partners, checks, direct deposit, gift cards, and the like.
But if you also have the Citi Premier® Card, you can, in a similar fashion to the Freedom Unlimited card with Ultimate Rewards, convert your cash-back rewards to 2x transferable points and transfer them to airline travel partners for incredible value.
We value ThankYou Rewards Points at around 1.7 cents apiece, making your Double Cash card’s rewards jump up to a 3.4% return on spending!
Terms Apply / Rates & FeesGet 2x miles plus some of the most flexible redemptions offered by a travel credit card!
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.
The Capital One Venture card offers fantastic travel rewards and benefits within Capital One’s ecosystem.
In the past, Capital One’s rewards program, Capital One Miles, was limited to cash-back and fixed-value redemptions, but with transferable partnerships being added, the Capital One Venture card is one of the flagship credit cards available.
The Capital One Venture card earns a straight-forward unlimited 2x Capital One miles on all non-bonus purchases with no caps.
Then, enjoy travel benefits like a $100 Global Entry/TSA PreCheck application fee credit, secondary rental car insurance, lost luggage insurance, roadside dispatch, and travel assistance.
And as you shop, you’ll rest easy with purchase security, extended warranty, zero fraud liability, and no foreign transaction fees.
With the Capital One Venture card earning 2x miles on each purchase, it’s easy to see why this card can be so rewarding.
Capital One Miles is a flexible rewards currency, which means you can transfer your miles to airline and hotel travel partners for some amazing value.
But if you want to get the most value from your Capital One miles, you’ll want to take advantage of the transfer partners for flights like Lufthansa first class and SWISS business class.
Just remember that not all of Capital One’s transfer partners come with a 1:1 ratio — most will be 1:1, but others will be 2:1.5 or even 2:1, so keep that in mind.
Terms Apply / Rates & FeesThis card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
The iconic Amex Platinum card is currently a top card for benefits, and certainly our favorite Amex card. That’s because, in addition to tremendous rewards, you’ll get some unique travel and lifestyle perks.
While the Amex Platinum card earns 1x points per $1 on clothes shopping, you can often take advantage of enrolling in Amex Offers to get bonus points at various merchants like TUMI, Versace, or Gucci. Simply enroll your card in an offer and pay with your enrolled American Express card.
Not only that, you’ll earn 5x points per $1 spent on flights purchased directly with the airline or on American Express Travel (up to $500,000 per calendar year). You’ll also get 5x points per $1 spent on prepaid hotels booked with American Express Travel.
Additionally, you’ll get a long list of statement credits, including credits for prepaid hotels, digital entertainment, airline fees, Uber Cash, Equinox, CLEAR Plus, Walmart+, and Saks Fifth Avenue. Note that enrollment may be required, so make sure you activate the credit through your American Express account!
You will also get amazing benefits like access to Fine Hotels & Resorts and The Hotel Collection, the American Express Global Lounge Collection including Centurion Lounges, Delta Sky Clubs, and Priority Pass lounges, a Global Entry/TSA PreCheck application fee credit, and complimentary hotel and rental car elite status.
So if you’re looking for an impeccable travel rewards card that will help support your shopping needs, even if you spend big on clothes, the Amex Platinum card is the best choice.
One of the things we didn’t mention is the value of Amex points. Amex Membership Rewards points, or Amex points for short, are our most valuable transferable points.
That’s because, in addition to standard redemptions like statement credits, gift cards, Amazon purchases, and Amex Travel bookings, you can transfer your points to one of the most complete lists of Amex travel partners to redeem your points for phenomenal value.
And if you routinely spend on groceries and restaurants, you can pair the Amex Platinum card with the American Express® Gold Card and earn points even faster!
Terms Apply / Rates & FeesThis cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
The Amex Blue Cash Everyday card is a great option if you’re planning to buy clothes online. While it will only earn 1% cash-back when you’re shopping in a physical store, it will earn 3% cash-back when you shop with U.S. online retailers (up to $6,000 in purchases each year).
Additionally, this card earns 3% cash-back at U.S. gas stations and at U.S. supermarkets (up to $6,000 in spending in each category yearly), so it’s a great option for everyday purchases.
The cash-back earned on this card comes in the form of Reward Dollars which can’t be converted into American Express Membership Rewards points, so this card only works for those looking for simple cash-back.
Hot Tip: See our detailed guides for recommended credit cards for shopping specifically online or at department stores, Walmart, and Target.
If you’re routinely shopping at clothing stores for your business, you’ll want to get a business card that fits your needs instead of using your personal card.
Let’s see what the best options are!
| Card | Welcome Bonus and Annual Fee | Clothes Shopping Benefits |
| The Business Platinum Card® from American Express |
| 1.5x points on purchases of $5,000 or more (up to $2 million in purchases per calendar year) |
| The Blue Business® Plus Credit Card from American Express |
| 2x points on everyday business purchases (up to $50,000 per calendar year, then 1x) |
| Ink Business Unlimited® Credit Card |
|
|
| Capital One Spark Miles for Business |
|
|
Terms Apply / Rates & FeesThis card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
The Amex Business Platinum card is arguably the best ultra-premium business card in existence. In addition to having a huge list of benefits, you can rack up some serious points with this card.
You’ll notice the card earns 1.5x on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year). This is a huge bonus because if you shop at high-end clothing stores and typically purchase more than $5,000 at a time, you can earn 1.5x points per dollar!
The card also earns 5x points per $1 spent on flights and prepaid hotels booked on AmexTravel.com. Furthermore, the Amex Business Platinum card comes with a 35% Pay with Points rebate whenever your use Amex points to pay for all or part of a flight on your selected qualifying airline via AmexTravel.com, up to 1,000,000 points per calendar year. This can come in handy if you’re looking for revenue bookings instead of award travel.
Plus, the Amex Business Platinum card gets you value-added benefits like statement credits for Dell purchases, CLEAR Plus, airline fees, and Global Entry/TSA PreCheck. Similarly to the Amex Platinum card, you’ll also have some unmatched travel benefits like access to the Amex Global Lounge Collection, complimentary hotel and rental car elite status, access to Amex Fine Hotels & Resorts and The Hotel Collection, secondary rental car insurance, baggage insurance, and travel accident insurance. Enrollment may be required, so ensure you’re getting the most out of your card!
Terms Apply / Rates & FeesEarn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
The Amex Blue Business Plus card is unequivocally the best business credit card for relatively low spenders because you can maximize business purchases without bonus categories.
This credit card boasts 2x Membership Rewards points per $1 spent on everyday business purchases (up to $50,000 per calendar year). After you max out the 2x points, you’ll earn 1x points.
You’ll also find benefits like no extra fees for employee cards, purchase protection, extended warranty, and access to the Amex Membership Rewards program – all without an annual fee (see rates and fees).
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
The Ink Business Unlimited card is one of the best business credit cards with maximum rewards and without bonus categories or a huge annual fee.
You’ll encounter a surprisingly large welcome bonus, especially for a no-annual-fee credit card. On an ongoing basis, enjoy 1.5% cash-back on all business purchases with no caps, which can also be converted to Ultimate Rewards points if you have a card like the Ink Business Preferred card, Chase Sapphire Preferred card, or Chase Sapphire Reserve card.
That means your 1.5% cash-back can become 1.5x points with paired cards, worth a 3% return on spend!
After that, the card offers benefits like unlimited employee cards with no fees, primary car rental coverage, zero liability fraud protection, extended warranty, purchase protection, and more.
This card has no annual fee.
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.
The very last credit card we’ll be talking about is the Capital One Spark Miles card because it allows business owners to earn 2x Capital One miles on every purchase with no blackouts, seat restrictions, or minimum to redeem.
But it doesn’t end there because you can access a welcome bonus, as well as 5x Capital One miles earned with hotel and rental car bookings made through Capital One Travel. You can also get roadside assistance.
Some of the card’s shopping-related benefits include purchase protection, extended warranty, and zero fraud liability.
The Capital One Spark Miles card also gets you a $100 Global Entry/TSA PreCheck application fee credit, free employee cards, and no foreign transaction fees.
Overall, there are countless different credit cards you can use to maximize your clothes shopping routine.
We’re big fans of the Freedom Unlimited card, Double Cash card, Capital One Venture card, Amex Platinum card, and Amex Blue Cash Everyday card for personal clothes shopping.
And while the rewards are advertised as cash-back for a couple of these cards, you can often convert them to transferable points with the right credit card pairing.
For business owners making a lot of clothing transactions, consider the Amex Business Platinum card, Amex Blue Business Plus card, Ink Business Unlimited card, or Capital One Spark Miles card.
The Amex Platinum card and the Amex Business Platinum cards are unequivocally the best for travel perks, as well as being the only cards with no preset spending limit, which comes in handy when you’re making large purchases.
The information regarding the Target RedCard™ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
In our opinion, the best personal credit cards for clothes shopping are the Freedom Unlimited card, Double Cash card, Capital One Venture card, Amex Platinum card, and Amex Blue Cash Everyday card.
Our favorite business credit cards for clothes shopping are the Amex Business Platinum card, Amex Blue Business Plus card, Ink Business Unlimited card, and Capital One Spark Miles card.
Our favorite credit cards for luxury shopping are the Amex Platinum card and the Amex Business Platinum card, thanks to the absence of a traditional credit limit. Instead, there’s no preset spending limit. Also, the Amex Business Platinum card gets you an extra 50% points bonus (up to an additional 1 million points per calendar year) for all purchases above $5,000.
The best luxury credit cards are the Amex Platinum card, the Amex Business Platinum card, the Chase Sapphire Reserve card, the Capital One Venture X Rewards Credit Card, and more.
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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.
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