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 rewards 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.
What To Look for in a Credit Card for Clothes Shopping
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!
The 4 Best Personal Credit Cards for Clothes Shopping
1. Chase Freedom Unlimited® Card
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 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 secondary rental car coverage, purchase protection, extended warranty, zero liability protection, fraud protection, and much more.
The Freedom Unlimited card has no annual fee.
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 makes things fun. With Ultimate Rewards, you can transfer your points to airline and hotel 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!
2. Citi® Double Cash 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 on all purchases (1% when you make the purchase and 1% when you pay the bill, 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.
There’s no annual fee for this credit card.
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 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!
3. Capital One Venture Rewards Credit Card
The CapOne 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 CapOne Venture card is one of the flagship credit cards available.
The CapOne Venture card earns a straight-forward unlimited 2x Capital One miles on all 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.
The CapOne Venture card has an annual fee of $95.
Why We Like Capital One Miles
With the CapOne 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.
4. The Platinum Card® from American Express
The last personal card we’ll be discussing is the iconic Amex Platinum card. Currently, this is the #1 card for benefits in the world, 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, 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.
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 Amex Travel bookings, you can transfer your points to one of the most complete lists of 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!
Hot Tip: See our detailed guides for recommended credit cards for shopping specifically online or at department stores, Walmart, and Target.
The 4 Best Business Credit Cards for Clothes Shopping
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!
1. The Business Platinum Card® from American Express
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, 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!
2. The Blue Business® Plus Credit Card from American Express
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).
3. Ink Business Unlimited® Credit Card
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.
4. Capital One Spark Miles for Business
The very last credit card we’ll be talking about is the CapOne 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 CapOne 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, CapOne Venture card, and Amex Platinum card for personal clothes shopping.
And while the rewards are advertised as cash-back for a couple of these cards, you can always 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 CapOne 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™, Chase Freedom Unlimited® Card, Capital One Venture Rewards Card, and Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® 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.