Online shopping is quick, convenient, and often allows you to find great deals or unusual products. But if you're making the bulk of your purchases online, it makes sense to have a credit card that rewards this type of spending.
Luckily, there are tons of cards that give you extra points, cash back, or miles for online purchases. Plus, many credit card issuers allow you to redeem those rewards with online merchants as well. You just need to know which card to pick.
How to choose the best credit card for online shopping
It's essential to know how to save money shopping online if you prefer to get your items online rather than at brick-and-mortar or department stores, there are a few key features you should look for when selecting a credit card, including:
- The ability to earn bonuses for spending on the internet: While many cards offer extra rewards, cash back, or points for buying at U.S. supermarkets, local restaurants, or U.S. gas stations, these cards aren't ideal if most of your money goes to online stores. Be sure to look for a card that offers bonuses for the spending you actually do online and check for any spending caps they may have.
- Flexible rewards redemption: Some credit card rewards points are most valuable when redeemed for travel purchases or hotel stays. These wouldn't be ideal if you’re more of a homebody than a jet-setter. Look for a card with rewards you can redeem in a way that's best for you — such as points you can use to shop at your favorite online stores.
- Perks that benefit online shoppers: Some credit cards make it possible for you to score free shipping from hundreds of online stores. For example, the Citi World Elite cards offer a free ShopRunner membership to cardmembers that gets you free shipping and free returns at over 100 stores after activation. Others may provide extended warranties or assistance with returns that could be beneficial if you tend to deal with online stores that don’t provide the same level of customer support available from local merchants.
6 best personal cards for online shopping
|Card||Annual fee||Why it’s great for online shopping|
|Prime Visa||$0||Earn up to 5% cash back at Amazon and Whole Foods|
|Amazon Visa||$0||Earn up to 3% cash back at Amazon and Whole Foods|
|Bank of America® Customized Cash Rewards credit card||$0||Choose online shopping as a bonus rewards category to earn 3% on online purchases|
|Chase Freedom Unlimited®||$0||Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases
|Citi® Double Cash Card||$0||Earn up to 2% cash back on every purchase|
|Discover it® Cash Back||$0||Earn up to 5% cash back in quarterly categories, including Amazon.com and other major online retailers|
Amazon credit cards
Amazon actually offers two different credit cards that are ideal for online shoppers: The Prime Visa and the Amazon Visa. Both cards offer generous cash back on Amazon purchases, but there are some slight differences between them:
- The Prime Visa: It provides points that can be redeemed for Amazon purchases, statement credits, or merchandise. If you have an eligible Prime membership, you'll earn 5% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; 1% cash back on all other purchases.
- The Amazon Visa: It offers 3% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; and 1% cash back on all other purchases. You can only redeem your rewards at Amazon, but you don't need to be a Prime member to use this card.
The Prime Visa offers more generous cash back and greater flexibility in rewards redemption, which many may find preferable — as long as you don't mind paying for an annual Prime membership.
Because this card is really best for people who shop at Amazon often, chances are good that the Prime membership will be worth the fee anyway, since it comes with perks like free two-day shipping and access to Prime Video.
Keep in mindBoth cards have a $0 annual fee, which makes paying for Prime membership more reasonable.
Bank of America® Customized Cash Rewards credit card
The Bank of America® Customized Cash Rewards credit card comes with a $0 annual fee and the opportunity to earn 3% in the category of your choice once per billing cycle. Online shopping is one of those categories, so you can benefit from generous cash back whenever you shop on the web.
The Bank of America Customized Cash Rewards credit card offers 2% back on grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), so it’s somewhat comparable to Amazon's cards, which offer additional bonuses at drugstores.
Check out our Bank of America Customized Cash Rewards review.
There’s a caveat in that the bonus cash back you can earn online or at grocery stores is only available on the first $2,500 in combined purchases each quarter. If you commonly spend more than that, this card may not be optimal for your situation.
Keep in mindYou can boost your bonus cashback earnings by 25% to 75% if you maintain a certain minimum balance across Bank of America and Merrill Lynch accounts. The 25% bonus becomes available once your account balances hit $20,000, so those who already invest with Bank of America or Merrill may find this card provides an especially good value.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® allows you to earn a generous 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.
The Chase Freedom Unlimited also offers a 0% intro APR (annual percentage rate) for 15 months on purchases (then 20.49% - 29.24% Variable APR). So if you plan to make some big purchases online and want to benefit from no-interest financing, this card is likely the ideal choice for you.
Get more information in our Chase Freedom Unlimited review.
After the introductory APR expires, however, this card may not be as good as others that may earn a higher cashback rate for shopping on the web.
Citi® Double Cash Card
The Citi Double Cash Card is another great contender for online shopping because of the double cash back you earn on every purchase. You can 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
There aren't any caps on the cash back you can score with this Citi card, and you aren't restricted to getting bonus cash back at certain retailers. And like the other cards mentioned above, this card has a $0 annual fee.
Learn more in our Citi Double Cash Card review.
Important featureCiti features its Identity Theft Solutions program, which helps you get back on track if your personal information is compromised. Shopping online often comes with an inherent risk of data breaches, so this helps make this card especially attractive to those who buy on the web often.
Discover it® Cash Back
The Discover it® Cash Back is different from other cards on the list because it provides ample bonus cash back for certain online purchases — but only at specific times of the year. With the Discover it Cash Back, cardholders earn up to 5% cash back in various rotating categories each quarter. As of September 2023, bonus categories include gas stations and digital wallets.
While you have to activate the bonus cash back each quarter, you can get one of the best cashback rewards rates for online shopping with this card. Even better, you can automatically get an unlimited dollar-for-dollar match of any cash back you've earned at the end of your first year
Another big benefit to this card is that you can use your cash back directly at Amazon.com, which makes it easy for you to redeem your points at one of the most popular online merchants.
Find out more in our Discover It Cash Back card review.
3 best business cards for online shopping
It's not just individuals who shop online often — businesses do as well. Check out some of the best rewards credit cards to use if your business frequently makes web purchases.
|Card||Annual fee||Why it’s great for online shopping|
|The Blue Business® Plus Credit Card from American Express||$0 (Terms apply)||Earn 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that|
|Capital One Spark Cash Plus||$150||Earn up to 5% cash back on online purchases|
|Ink Business Unlimited® Credit Card||$0||Earn Unlimited 1.5% cash back on online purchases|
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express allows you to earn 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that. This means if you tend to shop online, you can score double points for all your web-based purchases.
This Amex card also comes with a $0 annual fee. New cardholders can use a 0% intro APR on purchases for 12 months after account opening, then 18.49% to 26.49% (variable) APR. That means you can buy online and pay off what you purchased over time without worrying about interest charges right away. Keep in mind that this card doesn't have the same intro offer for balance transfers.
Employee cards are available with no additional fee, as well. So you can sign up your staff members for their own cards so they can shop online and rack up rewards in your account even faster.
Check out our Amex Blue Business Plus review.
Capital One Spark Cash Plus
The Capital One Spark Cash Plus has an annual fee of $150, but it provides your company with plenty of perks for this low annual cost.
One of those benefits entails 2% cash back on every purchase, every day; plus 5% cash back on hotels and rental cars booked through Capital One Travel — including purchases made online. The cash back can be redeemed at any time, too, so you can put the money right back into your company. Plus, you can earn a $1,200 cash bonus after spending $30,000 in the first 3 months.
Free employee cards are another perk of the Spark Cash Plus, so you can get your staff shopping online or in stores without incurring additional costs. You also have the flexibility to pick your own payment due date, which means you can decide when to pay based on your company's cash flow.
Learn more in our Capital One Spark Cash Plus card review.
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card comes with a $0 annual fee. Plus, you can take advantage of a 0% intro APR on purchases for 12 months (then 18.49% - 24.49% Variable APR) from opening your account.
The chance to earn unlimited 1.5% cash back on every purchase makes this card especially attractive if your company spends a lot of money online. And you benefit from the flexibility of redeeming your points for travel, cash back, or merchandise through Chase Ultimate Rewards program.
This Chase card also comes with purchase protection — which covers new purchases for 120 days and pays up to $10,000 for damage or theft — as well as extended warranty protection, which extends eligible manufacturer warranties by one year. When dealing with online merchants, these added shopping protections can be a big benefit.
Get more information in our Ink Business Unlimited card review,
These cards top our list for lots of reasons, including:
- The potential to earn the maximum possible cash back for online shopping: Earning up to 5% cash back for purchases made on the web allows you to rack up rewards fast when you primarily buy things at dot-com stores instead of brick-and-mortar retail locales.
- No (or low) annual fees: If you plan to collect major rewards with your online spending, don’t throw away your earnings by paying a hefty annual fee. These cards are either free or inexpensive to own.
- Other features attractive to online consumers: Benefits such as identity theft support can help you to feel safer when shopping online, intro balance transfer or purchase APR, or offers for streaming services.
- Flexible rewards redemption methods: If you like to shop online, it likely makes sense to choose a card that allows you to redeem your rewards with web merchants or as cash.
Finding the best card for online shopping is worth the effort
If you're spending a lot of money on the internet, it's worth taking the time to research which credit card providers will offer the best rewards for your online shopping. Finding the right card based on your shopping habits and credit score offers an easy way to start making your online spending work for you.