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8 Best Credit Cards for Online Shopping – Reviews & Comparison


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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

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. 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 Card Art 1 28 21

The Chase Freedom Flex℠ Credit Card is a Mastercard credit card that 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.

And 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 three months your account is open. Plus, earn 5% cash back on grocery store purchases (excluding Target and Walmart purchases) on up to $12,000 spent in the first year.
  • Earning Rewards: Earn 5% cash back on your first $1,500 in combined eligible purchases each quarter in quarterly categories that change every three months, 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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3. 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

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. This Visa card pays 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, the Chase Freedom Unlimited card 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. Also, earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year, excluding grocery purchases at Target or Walmart.
  • 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% intro APR on purchases for the first 15 months. After that, regular variable 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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4. American Express® Gold Card

Earn 4x Points at Restaurants and U.S. Supermarkets, Up to $25,000 in Annual Category Purchases

Amex Gold Card Art 2 4 21

The American Express® Gold card is a very generous rewards card that earns 4% back (4x Membership Rewards points) on eligible restaurant and U.S. supermarket purchases, up to $25,000 in annual U.S. supermarket spending, and a 3% return on eligible airfare spending in the U.S. and abroad.

This includes supermarket and airfare purchases made online, of course.

  • Welcome Offer: Earn 60,000 Membership Rewards points after making $4,000 in purchases with your card within the first six months of card membership.
  • Rewards Rate: Earn 4 points per $1 spent on restaurant purchases, including delivery and takeout orders placed online. Also, earn 4 points per $1 spent on U.S. supermarket purchases, up to $25,000 in annual U.S. supermarket spending or 100,000 in total annual point earnings. Earn 3 points per $1 spent on eligible airfare purchased directly with the airline and at amextravel.com. All other eligible purchases earn 1 point per $1 spent.
  • Redemption: You can redeem your Membership Rewards points for statement credits, travel bookings, gift cards, Uber rides, gift cards, and general merchandise at the American Express Membership Rewards portal. Minimums generally begin at 1,000 points but can vary.
  • Introductory APR: None. For rates and fees of the American Express® Gold card, see its rates and fees page.
  • Key Fees: The annual fee is $250. There is no foreign transaction fee.
  • Other Perks: Enjoy a $100 annual airline fee credit that covers incidental fees with your choice of airline. Also, get $10 in dining credits per month, up to $120 per year, with select chains and apps (including Seamless). Enrollment is required to enjoy these benefits.

See our American Express Gold card review for more information. Learn more and find out how to apply for this card here.

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5. Blue Cash Preferred® Card from American Express

6% Cash Back at U.S. Supermarkets and Select Digital Media Services; 3% Cash Back at U.S. Gas Stations and Transit Providers; 1% Cash Back Everywhere Else

American Express Blue Cash Preferred Credit Card

The Blue Cash Preferred® Card from American Express really shines on U.S. supermarket purchases, including orders placed online — earning 6% cash back on all such transactions, up to $6,000 spent each year. After that, you’ll earn 1% back on all U.S. supermarket purchases. Cash back accrues as Reward Dollars that can be redeemed for statement credits.

This card also delivers 6% cash back on eligible digital streaming media providers (including online purchases) like Netflix and HBO.

Other real-world bonus categories include U.S. gas station and transit operator purchases, which both earn 3% cash back. Rideshare operators such as Lyft and Uber count as transit operators in American Express’s book.

Unfortunately, American Express doesn’t count the grocery sections of superstores like Walmart and wholesale clubs like Costco as “U.S. supermarkets,” so your spending won’t go as far in those places. But you’ll still take home a nice haul when you buy groceries online from your neighborhood purveyor.

  • Welcome Offer: Earn $300 back after you spend at least $3,000 on purchases within the first 6 months. Cash back accrues as Reward Dollars that can be redeemed for statement credits.
  • Cash-Back Rate: This card earns 6% cash back on select digital media and streaming services like Netflix and HBO, plus 6% cash back at U.S. supermarkets, up to $6,000 in spending per year. You’ll earn 3% cash back at U.S. gas stations and transit companies, including ridesharing apps, and 1% cash back on everything else. Cash back accrues as Reward Dollars that can be redeemed for statement credits.
  • Redemption: The minimum redemption is $25 for statement credits ($25 increments only). You can also redeem for gift cards and other items.
  • Introductory APR: Enjoy 0% APR on purchases for 12 months, after which variable regular APR applies (currently 13.99% to 23.99%). See this card’s rates and fees page.
  • Key Fees: The annual fee is $0 for the first year, then $95 each year after that. The foreign transaction fee is 2.7%.

See our American Express Blue Cash Preferred Card review for more information. Find out how you can apply for this card here.

Apply Now


6. Deserve EDU Card

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

Deserve Edu Card

If you’re a U.S. or international student, you could qualify for the Deserve EDU Card, a Mastercard product that just might be the best credit card around for scholars shopping online.

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.

Apply Now


7. Capital One Quicksilver Cash Rewards Credit Card

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

capital one quicksilver cash rewards credit card

The Capital One Quicksilver Cash Rewards Credit Card earns 1.5% cash back on all eligible purchases, including those made online, and imposes no restrictions on how much you can earn or how much you need to redeem. For that reason alone, it has a prime place on our list of the best cash-back credit cards.

A very long 0% APR introductory promotion on purchases (and balance transfers) and an enticing early spend bonus are both great news for online shoppers planning big buys.

  • Early Spend Bonus: Spend $500 on eligible purchases in the first three months to earn a one-time $200 cash bonus.
  • Earning Rewards: Earn unlimited 1.5% cash back on all eligible purchases. There are no caps or restrictions on how much you can earn.
  • Redeeming Rewards: Redeem your cash-back rewards in any amount for paper checks or statement credits against prior purchases.
  • Introductory APR: 0% introductory purchase and balance transfer APR for 15 months after account opening. After that, variable regular APR applies.
  • Key Fees: There’s no annual fee or foreign transaction fee.
  • Other Perks: This card comes with a nice lineup of purchase and travel protections at no additional cost.

See our Capital One Quicksilver Cash Rewards Credit Card review for more information. Learn more about this card and find out how to apply here.

Apply Now


8. Amazon Prime Rewards Visa Signature Card

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

Amazon Rewards Visa Signature Card

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 purchases and Whole Foods purchases with a valid Amazon Prime membership. Otherwise, cardholders who are not Amazon Prime members 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.

Apply Now


Final Word

Each of these credit cards boasts above-average rewards and potentially valuable cardholder perks. Any of these Visa, Mastercard, or American Express products 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 and make sure your credit score is strong enough to justify a formal credit card application. In a world where anyone with a credit card can buy just about anything online, credit card issuers tend to be choosy.

For rates and fees of the American Express® Gold Card, please visit this rates and fees page.

For rates and fees of the Blue Cash Preferred® Card from American Express, please visit this rates and fees page.

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