Best Credit Cards for Back to School Shopping
By this time of the summer, many parents are ready for the school year to start. Unfortunately, the costs associated with back to school can be daunting. According to the 2018 creditcardshouse.com Back-to-School Shopping Survey, 33% of parents plan to spend between over $200 per child on back-to-school items this year.
If you know you will spend the big bucks this year, it can make sense to get a little something back. The right credit card can help you earn points or cash back on all of your school purchases this year. These are some of the best credit cards for back to school shopping:
Capital One® VentureOne® Rewards
If you are a frequent traveler, you can boost your travel rewards when you complete your back to school shopping with the Capital One® VentureOne® Rewards. This card offers a one-time bonus of 20,000 miles when you spend $1,000 on purchases within 3 months of account opening. That’s equal to $200 in travel redemptions. Use this card for all your back to school purchases and there is a good chance that you can meet the requirement quickly.
This card also comes with a 0% APR on purchase for 12 months, making your expenditures more manageable (19.24% - 29.24% variable APR after that). There is no annual fee, and you can use your rewards toward next year’s summer vacation.
Amex EveryDay® Credit Card from American Express
Editorial Note: The information related to Amex EveryDay® Credit Card from American Express has been collected by Credit Cards House and has not been reviewed or provided by the issuer of this card.
Enjoy tiered rewards with the Amex EveryDay® Credit Card from American Express, a Credit Cards House advertiser. If you know you will be visiting at least 20 stores during your back to school shopping spree, you can earn 20% more points on your purchases. The tiered rewards offer 2x points on supermarkets, and one point per dollar on all other purchases. However, you do receive 10,000 points when you make $1,000 in purchases during the first three months. This is equivalent to about $180 if each point is valued at 1.8 cents.
You can also get 15 months with 0% APR for purchases and balance transfers. There is no balance transfer fee for transfers made within 60 days of card membership. After the intro period, a variable rate, currently 14.99% to 25.99%, based on your creditworthiness and other factors, applies.
You can redeem your rewards for travel, making this a great card for back to school shopping and then using points to help pay for spring break later.
Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
If you are looking for a simple cash back card with a good bonus, the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months might be the one for you. First of all, you get a $150 cash back bonus when you spend $500 within 3 months of approval. Put your back to school purchases on this card and you can come pretty close to meeting your requirement quickly. You don’t have to worry about rotating categories, and you get 1.5% cash back on all of your purchases. There is also a 0% APR on your purchases for the first 15 months (19.24% - 29.24% variable APR after that).
Citi® Double Cash Card
Spend money on your school purchases and receive 2% cash back with the Citi® Double Cash Card from Citi, a Credit Cards House advertiser. You get 1% cash back on all of your purchases, and another 1% cash back when you pay those purchases off. No need to worry about rotating categories, spending caps, and no annual fee. The card also comes with Citi’s Price Rewind, which scans retailers for a lower price on your purchases. If it finds a lower price within 60 days of your purchases, you may receive a reimbursement.
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.