Whether you’re updating your wardrobe for a new season or invest in best sport for travel, there’s always a good reason to buy new clothes. But it can add up. A typical American household spends about $1,500 a year on clothing, according to research.
Sadly, there is no “clothing” bonus category on any Our favorite credit cardsso we have to be creative to maximize our earnings from these purchases.
Below, we’ve rounded up our favorite strategies for earning rewards on all of your clothing purchases, so you can feel good about your monetization strategy on page purchases. new outfit.
Best credit cards for shopping
Compare the best credit cards for shopping
Since most of your clothing purchases won’t fall into bonus earning category For your favorite credit card, you’ll want to use a high-margin card for all your purchases.
However, sometimes a card with rotating quarterly portfolio will include stores where you can buy clothes, so we recommend checking those out as well.
Here are our favorites:
| Credit | income rate | welcome bonus | Annual fee |
|---|---|---|---|
| Capital One Venture Rewards Credit Card | 5 miles per dollar on hotels and rental cars booked through Capital One Travel, 2 miles per dollar spent on all purchases. | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. | $95. |
| Chasing Freedom Unlimited® | Cashback 5% on travel purchases through Chase Ultimate Rewards, 3% on restaurant and drugstore purchases, 1.5% on all other purchases. | Earn an extra 1.5% cashback on all purchases in the first year of account opening (up to $20,000 spend). | $0. |
| Citi® Double Cash Card | 2% cashback (1% when you buy, 1% at checkout) on all purchases with no limit on cashback earnings. | Do not have. | $0. |
| Blue Cash Everyday® Card from American Express | 3% cashback on US supermarket, gas, and online retail purchases (on up to $6,000 spent per category); 1% off all other purchases. | Earn $200 in cash back after you spend $2,000 on purchases on your new card within the first six months of becoming a card member. Cashbacks are received as Rewards Dollars which can be redeemed for statement credits. | $0 (see rates and fees). |
| Chase Freedom Flex℠ | 5% cashback on quarterly bonus categories (on purchases up to $1,500), 5% on purchases through Chase Ultimate Rewards, 3% on purchases at restaurants and pharmacies, 1% on purchases other goods. | Earn $200 cash back after spending $500 within the first three months of account opening. | $0. |
| Amazon Prime Rewards Visa Signature | 5% cash back on Amazon and Whole Foods purchases, 2% cash back on restaurant and gas station purchases, 1% cash back on all other purchases. | Get a $100 Amazon gift card instantly once approved. | $0. |
*Bonus value is an estimated value in TPG not the card issuer.
Amazon Prime Rewards Visa Signature card information has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Capital One Venture Rewards Credit Card
Welcome Bonus: Earn 75,000 bonus miles after spending $4,000 in the first 3 months of account opening. TPG . value this bonus is at $1,388.
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Annual fee: $95.
Why we like it: With this card you will earn unlimited 2 miles per dollar per purchase. And Capital One mile is easy to redeem, as you can apply your mileage to travel purchases on your card. When you use this card to pay for your new look, you can feel great knowing you’ll be able to use your rewards to pay for your next adventure.
For more details, check out our full review of the Venture Rewards Card.
Register here: Capital One Venture Rewards Credit Card
Chasing Freedom Unlimited®
Welcome Bonus: Earn an extra 1.5% cashback (or 1.5 points per dollar) on all purchases up to $20,000 spent in the first year.
Annual fee: $0.
Why we like it: Freedom Unlimited earn back 5% on travel booked through the Chase portal3% on pharmacy and dining purchases, and 1.5% on all other purchases.
This monetization structure alone makes this card superior to cards that only earn 1 point per dollar on your clothing purchases, but it really shines if you also have Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. If you do, you can transfer your points to that account and redeem them with all of Chase’s travel partners.
For more details, check out our Full review of Freedom Unlimited.
Register here: Chasing Freedom Unlimited®
Citi® Double Cash Card
Welcome Bonus: do not apply
Annual fee: $0.
Why we like it: Double Cash earns 2% cash back on all purchases (1% when you buy and 1% when you check out), so you’ll earn a solid cashback on all your spending without have to worry about where you are shopping.
For more details, check out our Citi Double Cash full review.
Register here: Citi® Double Cash Card
Blue Cash Everyday® Card from American Express
Welcome Bonus: Earn $200 in cash back after you spend $2,000 on purchases on your new card within the first 6 months of becoming a card member.
Annual fee: $0 (see rates and fees).
Why we like it: This card earns an impressive 3% cash back on US online retail purchases (up to $6,000 per year on purchases, then 1%), so it gives you highest profit when shopping online without falling into any other card bonus category.
It also earns 3% at supermarkets and at gas stations in the United States (with up to $6,000 in purchases per year per category, then 1%), making it a hit card. Great access to most of your daily spending.
Cashbacks are received as Rewards Dollars which can be redeemed for statement credits.
For more details, check out our full review of Amex Blue Cash Daily.
Register here: Blue Cash Everyday® Card from American Express
Chase Freedom Flex℠
Welcome Bonus: Earn $200 in cash back after spending $500 on purchases in the first three months of account opening.
Annual fee: $0.
Why we like it: This card earns 5% back on spin quarterly portfolio (up to $1,500 spent, then 1%) after activation. In the first quarter of 2023, Target is one of the bonus categories, so you can earn 5% back on buying your clothes there. Previously, PayPal was also an alternate category, allowing you to earn money on clothes and anything else you buy when paying with PayPal.
And even if you don’t buy clothes from any of the locations in the quarterly categories, you can usually purchase gift cards for your favorite clothing stores from a store in one of the categories. reward. An example of this might be buying an H&M gift card from a stationery store or supermarket when one of them is a rotating category.
For more details, check out our Freedom Flex full review.
Register here: Chase Freedom Flex℠
Amazon Prime Rewards Visa Signature
Welcome Bonus: Get a $100 Amazon gift card instantly once approved.
Annual fee: $0, but must have a Prime membership ($139 annually).
Why we like it: Is there anything we can’t get from Amazon? It’s hard to believe that you can find a new favorite piece of clothing from the same place that supplies you with toothpaste and toothpaste. packing block, but more and more people are finding that to be the case. If you’re among them, use this card to earn 5% cash back on all Amazon purchases, clothing, etc.
You’ll also earn 5% back at Whole Foods Market and 2% back at restaurants and gas stations.
For more details, check out our full review of Amazon Prime Rewards Visa Signature.
purchase protection
If you are planning to do some big shopping or buy expensive items, you can consider purchase protection a card that offers in addition to a welcome bonus and a monetization structure.
Should I take a store credit card?
In short, probably not. We are not usually a fan of credit card storage because they rarely measure our favorite cashback card. However, there some exceptions. Just make sure you do your research And don’t fall for a tempting offer while you’re in the checkout line.
Other ways to earn money buying clothes
Buy a gift card
If you have a credit card to earn rewards when shopping at grocery or office supply stores, check out the gift cards available at stores around you. You can buy gift cards for stores like Gap or TJ Maxx, then use them to buy clothes and earn bonus points.
Use the shopping portal
Always check your favorites shopping portal when shopping online to earn more money on your clothes.
Check the seller’s offer
Many frequent cards have merchant supply for clothing stores. Make sure to regularly check the offers on all your cards and add any that you think you might be able to use. Then, use a card with the offer and shop where you can earn back before the offer expires.
We recommend using notes on your phone to keep track of which card offers are on, so you can easily refer to them when you’re ready to purchase.
bottom line
Buying clothes can be a big expense, so make sure you earn as many rewards as you can for buying those items. Use one of these best credit cards to buy clothes, buy gift cards at places that help you earn extra rewards, and always use the shopping portal to shop online. That way, you can ensure that your rewards balance looks as sparkling as your new outfit.
Related readings:
For daily Amex Blue Cash rates and fees, click This.
Additional reporting by Mike Cetera and Liz Hund.
