The 9 Best Credit Cards for Clothes Shopping [2025]

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 apply 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 Circle™ Card 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.

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• Chase Freedom Unlimited^® — Best for Cash-back & Intro APR
• Citi Double Cash^® Card — Best for Cash-back & No Annual Fee
• Capital One Venture Rewards Credit Card — Best for Earning Miles on Every Purchase
• The Platinum Card^® from American Express — Best for Premium Perks & Amex Offers
• Blue Cash Everyday^® Card from American Express — Best for U.S. Online Retailers
• The Business Platinum Card^® from American Express — Best for Purchases Over $5,000
• The Blue Business^® Plus Credit Card from American Express — Best for Points With No Annual Fee
• Ink Business Unlimited^® Credit Card — Best for Cash-back With No Caps
• Capital One Spark Miles for Business — Best for Earning Miles

What To Look for in a Credit Card for Clothes Shopping

One of the things you’ll be tempted to do is apply for that shiny new store credit card issued from the likes of Comenity or Synchrony. You’ve almost certainly seen the promotional materials — apply for your store credit card today to save 15% off of your purchase!

You’ll need to resist every urge you have to apply 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!

Best Personal Cards

Card Summary

Freedom Unlimited Card (Top Pick – Best for Cash-back & Intro APR)

Terms Apply / Rates & Fees

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel^SM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

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.

Why We Like Chase Ultimate Rewards Points

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!

Double Cash Card (Best for Cash-back & No Annual Fee)

Citi Double Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

0% Intro APR for 18 months on balance transfers, then 18.24% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

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.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Citi Double Cash^® Card Travel Portal Special Offer
  Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.

Financial Snapshot

• APR: 0% Intro APR for 18 months on balance transfers, then 18.24% - 28.24% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

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.

Why We Like Citi ThankYou Rewards Points

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 Strata 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!

Capital One Venture Card (Best for Earning Miles on Every Purchase)

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Apply Now(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.99% - 29.24% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

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 welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: Purchases: 19.99% - 29.24% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

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 $120 Global Entry or 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.

Why We Like Capital One Miles

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.

Amex Platinum Card (Best for Premium Perks & Amex Offers)

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Offer Valuation*:

Up to $1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel^® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel^®.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• With American Express Global Lounge Collection^® eligible Card Members can enjoy access to over 1,400 airport lounges globally, including The Centurion^® Lounge, Unlimited Delta Sky Club^® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express^® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
• A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card^® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• $200 Uber Cash: Platinum Card^® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
• $199 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Use the dedicated CLEAR Lane to confirm your identity without taking out your passport or ID – this can mean shorter lines, less waiting. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card^®.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card^® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
• $695 annual fee.¤
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 175k 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 AmexTravel.com (up to $500,000 per calendar year). You’ll also get 5x points per $1 spent on prepaid hotels booked with AmexTravel.com.

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, 10 visits to Delta Sky Clubs (when flying Delta same-day) with the ability to unlock unlimited visits through spend, and Priority Pass lounges (enrollment required), a Global Entry or 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.

Why We Like Amex Membership Rewards Points

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 AmexTravel.com bookings, you can transfer your points to one of the most complete lists of Amex transfer 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!

Amex Blue Cash Everyday Card (Best for U.S. Online Retailers)

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This 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!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

This 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!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

Annual Fee

$0

APR

20.24%-29.24% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Card Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday^® Card. Enrollment required.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

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.

Best Business Cards

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 Summary

Amex Business Platinum Card (Best for Purchases Over $5,000)

LIMITED TIME TRAVEL OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 Membership Rewards^® points after you spend $20,000 on eligible purchases on your Business Platinum Card^® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card^® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.

150,000 points + $500 statement credit

UP's Offer Valuation*:

Up to $3,800

Annual Fee

$695

APR

18.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• 5x Membership Rewards points per $1 on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked through Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection (as of 10/2024).
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $695 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• Limited Time Travel Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 on eligible purchases on your Business Platinum Card^® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card^® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• NEW! Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• Earn 5X Membership Rewards^® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• $199 CLEAR^® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 points plus a $500 statement credit. (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, prepaid hotels, short-term rentals, and prepaid flight + hotel packages booked on AmexTravel.com. Furthermore, the Amex Business Platinum card comes with a 35% Pay with Points rebate whenever you 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, Hilton, CLEAR Plus, airline fees, and Global Entry or 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!

Amex Blue Business Plus Card (Best for Points With No Annual Fee)

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Offer Valuation*:

Up to $330

Annual Fee

No annual fee

APR

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

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 & fees).

Ink Business Unlimited Card (Best for Cash-back With No Caps)

Terms Apply / Rates & Fees

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

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.

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750

UP's Offer Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

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 17.49% - 23.49% thereafter

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

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 additional fees, primary car rental coverage, zero liability fraud protection, extended warranty, purchase protection, and more.

This card has no annual fee.

Capital One Spark Miles Card (Best for Earning Miles)

Capital One Spark Miles for Business

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Welcome Offer

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles

UP's Offer Valuation*:

$900

Annual Fee

$0 intro for the first year, $95 after that

APR

25.24% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

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.

 

Pros & Cons

Pros

• Unlimited 2x miles per dollar spent on all purchases
• 5x miles per dollar spent on hotels, vacation rentals, and rental cars purchased through Capital One’s travel booking site
• Up to a $120 Global Entry or TSA PreCheck credit

Cons

• Annual fee: $0 intro for the first year, $95 after that

Read Full Review

Card Highlights

• Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Unlimited 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One’s travel booking site
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles per dollar from their purchases

Financial Snapshot

• APR: 25.24% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

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’s travel booking site. 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 $120 Global Entry or TSA PreCheck application fee credit, free employee cards, and no foreign transaction fees.

Final Thoughts

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.

The information regarding the Target Circle™ Card 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 benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.