The 9 Best Credit Cards for Clothes Shopping [2024]

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 Summary

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

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!

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

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

Learn More(at our partner’s secure site)

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

APR

19.24% – 29.24% Variable

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.

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 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 Card (Best for Earning Miles on Every Purchase)

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.

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.

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

Terms Apply / Rates & Fees

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

Learn More(at Amex’s secure site)

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

UP’s Bonus Valuation*:

$1,760

Good to Excellent (670-850)

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, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with American Express Travel
• Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees (rates and fees)

Cons

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

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card^®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• 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 with American Express Travel when you pay with 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, SiriusXM, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card^®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card^®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR^® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card^®. Learn more.
• $100 Global Entry Credit: Receive either a $100 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.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card^®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Financial Snapshot

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

Card Categories

Rewards Center

American Express Membership Rewards

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 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, 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 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!

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

Terms Apply / Rates & Fees

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!

Learn More(at Amex’s secure site)

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!

APR

19.24%-29.99% Variable,0% on purchases for 15 months

Good to Excellent (670-850)

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.
• Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% 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.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday^® Card.
• Terms Apply.

Financial Snapshot

• APR: 19.24%-29.99% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

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 Summary

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

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!

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

Terms Apply / Rates & Fees

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

Learn More(at Amex’s secure site)

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

UP’s Bonus Valuation*:

$330

APR

18.49% – 26.49% Variable,0% on purchases for 12 months from date of account opening

Good to Excellent (670-840)

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.

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, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards^® 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.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• No Annual Fee
• Terms Apply

Financial Snapshot

• APR: 18.49% – 26.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

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).

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

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.

Learn More(at Chase’s secure site)

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.

UP’s Bonus Valuation*:

$750

APR

0% intro APR on purchases for 12 months; variable 18.49% – 24.49% thereafter

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 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 additional 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 Card (Best for Earning Miles)

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 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.)

UP’s Bonus Valuation*:

$900

Annual Fee

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

Good to Excellent (670-850)

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.

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, 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.
Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.