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8 Best Credit Cards for Online Shopping – Reviews & Comparison

Advertiser Disclosure: This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

In a world where one can buy just about anything on the Web, “online shopping” is basically synonymous with “shopping” — minus the whole rigmarole of leaving the house, hitting the stores, and carting your purchases back home.

Despite online retail’s explosive growth of late, the universe of credit cards best suited to online shopping remains distinct from the universe of credit cards best suited to brick-and-mortar retail. Sure, some overlap exists, including among the cards on this list, but certain credit cards really shine in cyberspace.

Best Credit Cards for Online Shopping

The best credit cards for online shopping include a mix of retailer-specific credit cards and cash-back credit cards with flexible rewards programs that translate well to digital reality. Some also have enticing 0% APR promotions. Many excel on popular retail holidays, making our lists of the best credit cards to use on Amazon Prime Day and Black Friday and Cyber Monday.

If there’s a great deal of online shopping in your future, these credit cards can help you make the most of your spending dollars.

1. Citi® Double Cash Card

2% Cash Back When You Pay Your Balance in Full Each Month

Citi Double Cash Card Art 12 4 19

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The Citi® Double Cash Card earns cash back twice: once when you spend and once when you pay your bill making at least the minimum payment. When you pay your bill in full each month, you’ll earn 2% cash back on all eligible purchases, including purchases made online.

Beyond the 2% cash-back rate and a long 0% APR balance transfer promotion, Double Cash is a pretty basic cash-back card. But it’s a powerful online shopping aid nonetheless.

  • Sign-Up Bonus: None.
  • Earning Rewards: Earn 1% cash back on all eligible purchases and 1% cash back on all balances paid by your statement due date (provided you make the minimum payment each month). That’s 2% cash back when you pay your bill in full each month.
  • Redeeming Rewards: The best way to redeem is for statement credits or direct deposit to a linked bank account, beginning at $25 in accrued rewards.
  • Introductory APR: Enjoy a 0% introductory APR on balance transfers for 18 months from account opening. After that, variable regular APR applies. There’s no corresponding purchase promotion.
  • Key Fees: There’s no annual fee. Foreign transactions cost 3% of the transaction amount.
  • Other Perks: Get special event access, presale tickets, and more through Citi Entertainment.

Read our Citi Double Cash Card review for more information. Learn more about this card and find out how to apply here.

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2. Wells Fargo Cash Wise Visa® Credit Card

1.5% Cash Back on All Eligible Purchases; 0% APR on Purchases for 15 Months

Wells Fargo Cash Wise Card

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The Wells Fargo Cash Wise Visa® Credit Card is a straightforward cash-back credit card with a solid sign-up bonus and a flat, unlimited cash back rate (1.5%) on all eligible purchases. The introductory 0% APR promotion is a great help for online shoppers whose shopping lists are temporarily bigger than their budgets.

  • Sign-Up Bonus: Earn $150 bonus cash when you spend at least $500 on purchases within the first three months your account is open.
  • Earning Rewards: Earn unlimited 1.5% cash back on all eligible purchases, with no caps, restrictions, or rotating categories.
  • Redeeming Rewards: Redeem for statement credits, paper checks, or Wells Fargo bank account deposits after hitting $25 in accumulated rewards.
  • Introductory APR: Enjoy 0% APR on purchases and balance transfers for 15 months from account opening. Qualifying balance transfers must be made within 120 days of account opening.
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3%.
  • Other Perks: Enjoy extended warranties on purchased items with original warranties of 12 months or less — peace of mind for your online purchases.

Read our Wells Fargo Cash Wise Visa Credit Card review for more information. Learn more about this card and find out how to apply here.

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3. Chase Freedom Flex℠ Credit Card

5% Cash Back on Up to $1,500 Per Quarter in Eligible Bonus Category Purchases; 5% Cash Back on Travel Purchased Through Chase’s Online Portal

Chase Freedom Flex Credit Card

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The Chase Freedom Flex℠ Credit Card earns 5% cash back on up to $1,500 in quarterly spending in its famous 5% rotating bonus categories, which change four times each year. Popular online retailers come into the rotation once or twice per year, with Walmart.com, Target.com, and Amazon.com leading the way.

A great sign-up bonus sweetens the deal for new cardholders with big online shopping lists and bonus cash back opportunities on eligible online travel purchases keep things interesting for last-minute vacationers. A long 0% APR introductory promotion on purchases lets you defer interest for over a year.

  • Sign-Up Bonus: Earn a $200 cash bonus when you spend at least $500 on purchases within the first 3 months your account is open.
  • Earning Rewards: Earn 5% cash back on your first $1,500 in combined eligible purchases each quarter in bonus categories that rotate quarterly, qualifying Lyft purchases (through March 2022 only), and travel purchased through Chase’s Ultimate Rewards portal. Earn 3% cash back on dining (including takeout and eligible delivery services) and drugstore purchases. Earn unlimited 1% cash back on all other eligible purchases.
  • Redeeming Rewards: Redeem with no minimums for statement credits, bank account deposits, gift cards, travel, merchandise, and other items at the Chase Ultimate Rewards marketplace.
  • Introductory APR: Enjoy 0% APR on purchases for the first 15 months. After that, variable regular APR applies.
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3%.
  • Other Perks: This card comes with a nice lineup of shopping and travel benefits, including complimentary secondary loss and damage coverage for rental cars paid in full with the card and purchase protection on certain covered items.

Read our Chase Freedom Flex Credit Card review for more information. Learn more about this card and find out how to apply here.

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4. Chase Freedom Unlimited® Credit Card

Unlimited 1.5% Cash Back on Most Eligible Purchases; 5% Cash Back on Travel Purchased Through Chase’s Online Portal

Chase Freedom Unlimited Credit Card

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If you lack the patience for quarterly rotating bonus categories, Chase Freedom Unlimited® is more your speed. There’s no need to think much about how or where you’re spending. You’ll earn unlimited 1.5% cash back on most eligible purchases, including online shopping purchases, with no caps or limits on how much you can earn.

Like Freedom Flex, Freedom Unlimited offers bonus cash back on eligible online travel purchases. The same great sign-up bonus and introductory APR promotions apply here too.

  • Sign-Up Bonus: Earn a $200 bonus when you spend at least $500 on purchases within the first three months your account is open.
  • Earning Rewards: Earn unlimited 1.5% cash back on most eligible purchases. Earn 5% cash back on qualifying Lyft purchases (through March 2022 only), and travel purchased through Chase’s Ultimate Rewards portal. Earn 3% cash back on dining (including takeout and eligible delivery services) and drugstore purchases.
  • Redeeming Rewards: You can redeem with no minimums for bank account deposits, statement credits, gift cards, and noncash items like travel and general merchandise at the Chase Ultimate Rewards marketplace.
  • Introductory APR: Enjoy 0% APR on purchases for the first 15 months. After that, variable regular APR applies.
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3%.
  • Other Perks: Visa-backed shopping and travel benefits include complimentary secondary loss and damage coverage for rental cars and purchase protection on certain covered items.

Read our Chase Freedom Unlimited Credit Card review for more information. Learn more about this card and find out how to apply here.

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5. Deserve EDU Card

1% Cash Back on All Eligible Purchases; Free Year of Amazon Prime Student

Deserve Edu Card

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If you’re a U.S. or international student, you could qualify for the Deserve EDU Card, the best credit card around for online-shopping scholars. Don’t forget to take advantage of a free year of Amazon Prime Student at sign-up, plus other valuable shopping perks like extended warranties.

  • Sign-Up Bonus: None.
  • Earning Rewards: Automatically earn 1% cash back on all eligible purchases.
  • Redeeming Rewards: Rewards redeem automatically as statement credits in $25 increments.
  • Introductory APR: None.
  • Key Fees: There’s no annual fee or foreign transaction fee.
  • Other Perks: Get a free year of Amazon Prime Student (a $59 value) and enjoy extended warranties on qualifying purchases made with your card.

Read our Deserve EDU Card review for more information. Learn more about this card and find out how to apply here.

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6. U.S. Bank Cash+ Visa Signature Card

5% Cash Back Up to $2,000 in Purchases Per Quarter in 2 Categories of Your Choice

This offer is no longer available.

The U.S. Bank Cash+ Visa Signature Card promises 5% cash back on up to $2,000 in combined quarterly spending in the two bonus categories of your choosing. With more than a dozen bonus categories, including several with plenty of exposure to online retail, it’s easy to customize your rewards program to your personal spending patterns.

Also of note is a solid sign-up bonus with a low minimum spend threshold.

  • Sign-Up Bonus: Earn a $150 bonus when you apply online and spend at least $500 on purchases within the first 90 days your account is open.
  • Earning Rewards: Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter in two categories you choose. Eligible categories friendly to online shoppers include electronics stores, clothing stores, TV/Internet/streaming services, department stores, home utilities, and cellphone providers. Earn unlimited 2% cash back on one category of your choice and unlimited 1% cash back on all other eligible purchases.
  • Redeeming Rewards: Redeem with no minimums for statement credits to your Cash+ account, direct bank account deposits to a qualifying U.S. Bank account, or U.S. Bank gift cards.
  • Introductory APR: Enjoy 0% APR on balance transfers for the first 12 months. After that, variable regular APR applies.
  • Key Fees: There’s no annual fee. The foreign transaction fee is 2% to 3%, depending on denomination.
  • Other Perks: U.S. Bank deposit account holders enjoy low-cost overdraft protection.

Read our U.S. Bank Cash+ Visa Signature Card review for more information.

For rates and fees of the U.S. Bank Cash+™ Visa Signature® Card, please visit this webpage.


7. Amazon Prime Rewards Visa Signature Card

5% Cash Back on Amazon.com and Whole Foods Purchases

Amazon Rewards Visa Signature Card

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The Amazon Prime Rewards Visa Signature Card handsomely rewards purchases made at Amazon.com, North America’s biggest online retailer. If you’re willing and able to spend $119 per year for an Amazon Prime membership, you’ll earn 5% cash back at Amazon.com — plus 5% cash back at Whole Foods Market and 3% cash back on eligible restaurant, gas station, and drugstore purchases.

That’s not bad for a card with no annual fee.

  • Sign-up Bonus: For a limited time, get a $100 Amazon gift card instantly upon approval.
  • Earning Rewards: Earn 5% cash back on eligible Amazon.com and Whole Foods purchases with a valid Amazon Prime membership. Otherwise, earn 3% cash back on Amazon.com and Whole Foods purchases. Earn 2% cash back on purchases at restaurants, gas stations, and drugstores. All other eligible purchases earn 1% cash back.
  • Redeeming Rewards: Redeem in any amount for cash back via statement credit, bank account deposit, or credit against Amazon.com purchases.
  • Introductory APR: None.
  • Key Fees: There’s no annual fee, but cardholders must have an active Amazon Prime membership (which costs $119 per year) to earn 5% cash back on Amazon and Whole Foods purchases. There’s no foreign transaction fee.
  • Other Perks: Enjoy extended warranties on eligible purchases and reimbursement for stolen or damaged items the original retailer won’t refund.

Read our Amazon Prime Rewards Visa Signature Card review for more information. Learn more about this card and find out how to apply here.

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8. Target REDcard Credit Card

5% Off Target.com Purchases

target redcard credit card

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The Target REDcard Credit Card delivers instant 5% discounts on all Target and Target.com purchases. In other words, every $100 in purchases racked up on your REDcard costs you just $95 when the time comes to pay your bill.

  • Sign-Up Bonus: None.
  • Earning Rewards: Earn 5% off instantly when you use your REDcard at Target.com (and on in-store purchases at Target locations).
  • Redeeming Rewards: Rewards are applied instantly to your credit card statement.
  • Introductory APR: None.
  • Key Fees: There’s no annual fee
  • Other Perks: Enjoy exclusive discounts and benefits at Target and with participating Target partners.

Read our Target REDcard Credit Card review for more information. Learn more about this card and find out how to apply here.

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Final Word

Each of these credit cards boasts above-average rewards and potentially valuable cardholder perks. Any would be a fine addition to your online shopping arsenal. Before you apply, be sure to consider your chosen card’s strengths and weaknesses against those of the other contenders on this list.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Brian Martucci
Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.

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