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8 Best Credit Cards for Online Shopping


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In a world the place one should buy absolutely anything on the Net, “on-line purchasing” is principally synonymous with “purchasing” — minus the entire rigmarole of leaving the home, hitting the shops, and carting your purchases again dwelling.

Regardless of on-line retail’s explosive progress of late, the universe of bank cards finest suited to on-line purchasing stays distinct from the universe of bank cards finest suited to brick-and-mortar retail.

Certain, some overlap exists, together with among the many playing cards on this record, however sure bank cards actually shine in our on-line world.

Finest Credit score Playing cards for On-line Buying

The very best bank cards for on-line purchasing embrace a mixture of retailer-specific bank cards and cash-back credit cards with versatile rewards packages that translate nicely to digital actuality. Some even have attractive 0% APR promotions.

Many excel on in style 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 an excessive amount of on-line purchasing in your future, these bank cards may also help you take advantage of your spending {dollars}.

1. Citi® Double Cash Card

2% Money Again When You Pay Your Stability in Full Every Month

Citi Double Cash Card Art 12 4 19

The Citi® Double Cash Card earns money again twice: as soon as whenever you spend and as soon as whenever you pay your invoice making a minimum of the minimal fee. While you pay your invoice in full every month, you’ll earn 2% money again on all eligible purchases, together with purchases made on-line.

Past the two% cash-back price and a protracted 0% APR stability switch promotion, Double Money is a reasonably fundamental cash-back card. However it’s a strong on-line purchasing help nonetheless.

  • Signal-Up Bonus: None.
  • Incomes Rewards: Earn 1% money again on all eligible purchases and 1% money again on all balances paid by your assertion due date (supplied you make the minimal fee every month). That’s 2% money again whenever you pay your invoice in full every month.
  • Redeeming Rewards: The easiest way to redeem is for assertion credit or direct deposit to a linked checking account, starting at $25 in accrued rewards.
  • Introductory APR: Take pleasure in a 0% introductory APR on stability transfers for 18 months from account opening. After that, variable common APR applies. There’s no corresponding buy promotion.
  • Key Charges: There’s no annual payment. Overseas transactions price 3% of the transaction quantity.
  • Different Perks: Get particular occasion entry, presale tickets, and extra via Citi Leisure.

Learn our Citi Double Cash Card review for extra info. Study extra about this card and learn the way to use here.

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2. Chase Freedom Flex℠ Credit Card

5% Money Again on As much as $1,500 Per Quarter in Eligible Bonus Class Purchases; 5% Money Again on Journey Bought By means of Chase’s On-line Portal

Chase Freedom Flex Card Art 1 28 21

The Chase Freedom Flex℠ Credit Card is a Mastercard bank card that earns 5% money again on as much as $1,500 in quarterly spending in its well-known 5% rotating bonus categories, which change 4 occasions annually.

Standard on-line retailers come into the rotation a couple of times per 12 months, with Walmart.com, Goal.com, and Amazon.com main the best way.

A terrific sign-up bonus sweetens the deal for brand new cardholders with huge on-line purchasing lists and bonus cash-back alternatives on eligible on-line journey purchases maintain issues fascinating for last-minute vacationers.

And a protracted 0% APR introductory promotion on purchases enables you to defer curiosity for over a 12 months.

  • Signal-Up Bonus: Earn a $200 money bonus whenever you spend a minimum of $500 on purchases throughout the first three months your account is open. Plus, earn 5% money again on grocery retailer purchases (excluding Goal and Walmart purchases) on as much as $12,000 spent within the first 12 months.
  • Incomes Rewards: Earn 5% money again in your first $1,500 in mixed eligible purchases every quarter in quarterly classes that change each three months, qualifying Lyft purchases (via March 2022 solely), and journey bought via Chase’s Final Rewards portal. Earn 3% money again on eating (together with takeout and eligible supply providers) and drugstore purchases. Earn limitless 1% money again on all different eligible purchases.
  • Redeeming Rewards: Redeem with no minimums for assertion credit, checking account deposits, present playing cards, journey, merchandise, and different gadgets on the Chase Final Rewards market.
  • Introductory APR: Take pleasure in 0% APR on purchases for the primary 15 months. After that, variable common APR applies.
  • Key Charges: There’s no annual payment. The overseas transaction payment is 3%.
  • Different Perks: This card comes with a pleasant lineup of purchasing and journey advantages, together with complimentary secondary loss and injury protection for rental vehicles paid in full with the cardboard and buy safety on sure lined gadgets.

Learn our Chase Freedom Flex Credit Card review for extra info. Study extra about this card and learn the way to use here.

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3. Chase Freedom Unlimited® Credit Card

Limitless 1.5% Money Again on Most Eligible Purchases; 5% Money Again on Journey Bought By means of Chase’s On-line Portal

Chase Freedom Unlimited Credit Card

In case you lack the persistence for quarterly rotating bonus classes, Chase Freedom Unlimited® is extra your pace. There’s no must assume a lot about how or the place you’re spending. This Visa card pays limitless 1.5% money again on most eligible purchases, together with on-line purchasing purchases, with no caps or limits on how a lot you may earn.

Like Freedom Flex, the Chase Freedom Limitless card gives bonus money again on eligible on-line journey purchases. The identical nice sign-up bonus and introductory APR promotions apply right here too.

  • Signal-Up Bonus: Earn a $200 bonus whenever you spend a minimum of $500 on purchases throughout the first three months your account is open. Additionally, earn 5% money again on grocery retailer purchases on as much as $12,000 spent within the first 12 months, excluding grocery purchases at Goal or Walmart.
  • Incomes Rewards: Earn limitless 1.5% money again on most eligible purchases. Earn 5% money again on qualifying Lyft purchases (via March 2022 solely), and journey bought via Chase’s Final Rewards portal. Earn 3% money again on eating (together with takeout and eligible supply providers) and drugstore purchases.
  • Redeeming Rewards: You possibly can redeem with no minimums for checking account deposits, assertion credit, present playing cards, and noncash gadgets like journey and normal merchandise on the Chase Final Rewards market.
  • Introductory APR: Take pleasure in 0% intro APR on purchases for the primary 15 months. After that, common variable APR applies.
  • Key Charges: There’s no annual payment. The overseas transaction payment is 3%.
  • Different Perks: Visa-backed purchasing and journey advantages embrace complimentary secondary loss and injury protection for rental vehicles and buy safety on sure lined gadgets.

Learn our Chase Freedom Unlimited Credit Card review for extra info. Study extra about this card and learn the way to use here.

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4. American Express® Gold Card

Earn 4x Factors at Eating places and U.S. Supermarkets, As much as $25,000 in Annual Class Purchases

Amex Gold Card Art 2 4 21

The American Express® Gold card is a really beneficiant rewards card that earns 4% again (4x Membership Rewards factors) on eligible restaurant and U.S. grocery store purchases, as much as $25,000 in annual U.S. grocery store spending, and a 3% return on eligible airfare spending within the U.S. and overseas.

This consists of grocery store and airfare purchases made on-line, after all.

  • Welcome Provide: Earn 60,000 Membership Rewards factors after making $4,000 in purchases along with your card throughout the first six months of card membership.
  • Rewards Price: Earn 4 factors per $1 spent on restaurant purchases, together with supply and takeout orders positioned on-line. Additionally, earn 4 factors per $1 spent on U.S. grocery store purchases, as much as $25,000 in annual U.S. grocery store spending or 100,000 in whole annual level earnings. Earn 3 factors per $1 spent on eligible airfare bought immediately with the airline and at amextravel.com. All different eligible purchases earn 1 level per $1 spent.
  • Redemption: You possibly can redeem your Membership Rewards factors for assertion credit, journey bookings, present playing cards, Uber rides, present playing cards, and normal merchandise on the American Categorical Membership Rewards portal. Minimums usually start at 1,000 factors however can fluctuate.
  • Introductory APR: None. For charges and costs of the American Categorical® Gold card, see its rates and fees page.
  • Key Charges: The annual payment is $250. There is no such thing as a overseas transaction payment.
  • Different Perks: Take pleasure in a $100 annual airline payment credit score that covers incidental charges along with your alternative of airline. Additionally, get $10 in eating credit per 30 days, as much as $120 per 12 months, with choose chains and apps (together with Seamless). Enrollment is required to take pleasure in these advantages.

See our American Express Gold card review for extra info. Study extra and learn the way to use for this card here.

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5. Blue Cash Preferred® Card from American Express

6% Money Again at U.S. Supermarkets and Choose Digital Media Providers; 3% Money Again at U.S. Fuel Stations and Transit Suppliers; 1% Money Again In every single place Else

American Express Blue Cash Preferred Credit Card

The Blue Cash Preferred® Card from American Express actually shines on U.S. grocery store purchases, together with orders positioned on-line — incomes 6% money again on all such transactions, as much as $6,000 spent annually. After that, you’ll earn 1% again on all U.S. grocery store purchases. Money again accrues as Reward {Dollars} that may be redeemed for assertion credit.

This card additionally delivers 6% money again on eligible digital streaming media suppliers (together with on-line purchases) like Netflix and HBO.

Different real-world bonus classes embrace U.S. gasoline station and transit operator purchases, which each earn 3% money again. Rideshare operators akin to Lyft and Uber rely as transit operators in American Categorical’s guide.

Sadly, American Categorical doesn’t rely the grocery sections of superstores like Walmart and wholesale golf equipment like Costco as “U.S. supermarkets,” so your spending gained’t go as far in these locations. However you’ll nonetheless take dwelling a pleasant haul whenever you purchase groceries on-line out of your neighborhood purveyor.

  • Welcome Provide: Earn 20% again on Amazon.com purchases in your card within the first six months of account opening, as much as a most of $200 again. Plus, earn $150 again after you spend a minimum of $3,000 on purchases throughout the first six months.
  • Money-Again Price: This card earns 6% money again on choose digital media and streaming providers like Netflix and HBO, plus 6% money again at U.S. supermarkets, as much as $6,000 in spending per 12 months. You’ll earn 3% money again at U.S. gasoline stations and transit firms, together with ridesharing apps, and 1% money again on every part else. Money again accrues as Reward {Dollars} that may be redeemed for assertion credit.
  • Redemption: The minimal redemption is $25 for assertion credit ($25 increments solely). It’s also possible to redeem for present playing cards and different gadgets.
  • Introductory APR: Take pleasure in 0% APR on purchases for 12 months, after which variable common APR applies (presently 13.99% to 23.99%). See this card’s rates and fees page.
  • Key Charges: The annual payment is $0 for the primary 12 months, then $95 annually after that. The overseas transaction payment is 2.7%.

See our American Express Blue Cash Preferred Card review for extra info. Discover out how one can apply for this card here.

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6. Deserve EDU Card

1% Money Again on All Eligible Purchases; Free Yr of Amazon Prime Scholar

Deserve Edu Card

In case you’re a U.S. or worldwide scholar, you might qualify for the Deserve EDU Card, a Mastercard product that simply is perhaps the very best bank card round for students purchasing on-line.

Don’t overlook to make the most of a free 12 months of Amazon Prime Scholar at sign-up, plus different precious purchasing perks like prolonged warranties.

  • Signal-Up Bonus: None.
  • Incomes Rewards: Mechanically earn 1% money again on all eligible purchases.
  • Redeeming Rewards: Rewards redeem mechanically as assertion credit in $25 increments.
  • Introductory APR: None.
  • Key Charges: There’s no annual payment or overseas transaction payment.
  • Different Perks: Get a free 12 months of Amazon Prime Scholar (a $59 worth) and revel in prolonged warranties on qualifying purchases made along with your card.

Learn our Deserve EDU Card review for extra info. Study extra about this card and learn the way to use here.

Apply Now


7. Capital One Quicksilver Cash Rewards Credit Card

1.5% Money Again 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% money again on all eligible purchases, together with these made on-line, and imposes no restrictions on how a lot you may earn or how a lot you should redeem. For that motive alone, it has a primary place on our record of the very best cash-back bank cards.

A really lengthy 0% APR introductory promotion on purchases and an attractive early spend bonus are each nice information for web shoppers planning huge buys.

  • Early Spend Bonus: Spend $500 on eligible purchases within the first three months to earn a one-time $200 money bonus.
  • Incomes Rewards: Earn limitless 1.5% money again on all eligible purchases. There are not any caps or restrictions on how a lot you may earn.
  • Redeeming Rewards: Redeem your cash-back rewards in any quantity for paper checks or assertion credit in opposition to prior purchases.
  • Introductory APR: 0% introductory buy APR for 15 months after account opening. After that, variable common APR applies.
  • Key Charges: There’s no annual payment or overseas transaction payment.
  • Different Perks: This card comes with a pleasant lineup of buy and journey protections at no further price.

See our Capital One Quicksilver Cash Rewards Credit Card review for extra info. Study extra about this card and learn the way to use here.

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8. Amazon Prime Rewards Visa Signature Card

5% Money Again on Amazon.com and Complete Meals Purchases

Amazon Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card handsomely rewards purchases made at Amazon.com, North America’s greatest on-line retailer.

In case you’re keen and in a position to spend $119 per 12 months for an Amazon Prime membership, you’ll earn 5% money again at Amazon.com — plus 5% money again at Complete Meals Market and three% money again on eligible restaurant, gasoline station, and drugstore purchases.

That’s not dangerous for a card with no annual payment.

  • Signal-up Bonus: For a restricted time, get a $100 Amazon present card immediately upon approval.
  • Incomes Rewards: Earn 5% money again on eligible Amazon purchases and Complete Meals purchases with a legitimate Amazon Prime membership. In any other case, cardholders who aren’t Amazon Prime members earn 3% money again on Amazon.com and Complete Meals purchases. Earn 2% money again on purchases at eating places, gasoline stations, and drugstores. All different eligible purchases earn 1% money again.
  • Redeeming Rewards: Redeem in any quantity for money again through assertion credit score, checking account deposit, or credit score in opposition to Amazon.com purchases.
  • Introductory APR: None.
  • Key Charges: There’s no annual payment, however cardholders will need to have an lively Amazon Prime membership (which prices $119 per 12 months) to earn 5% money again on Amazon and Complete Meals purchases. There’s no overseas transaction payment.
  • Different Perks: Take pleasure in prolonged warranties on eligible purchases and reimbursement for stolen or broken gadgets the unique retailer gained’t refund.

Learn our Amazon Prime Rewards Visa Signature Card review for extra info. Study extra about this card and learn the way to use here.

Apply Now


Ultimate Phrase

Every of those bank cards boasts above-average rewards and doubtlessly precious cardholder perks. Any of those Visa, Mastercard, or American Categorical merchandise could be a wonderful addition to your on-line purchasing arsenal.

Earlier than you apply, make sure you take into account your chosen card’s strengths and weaknesses in opposition to these of the opposite contenders on this record and ensure your credit score is powerful sufficient to justify a proper bank card software. In a world the place anybody with a bank card should buy absolutely anything on-line, bank card issuers are usually picky.

For charges and costs of the American Categorical® Gold Card, please go to this rates and fees page.

For charges and costs of the Blue Money Most popular® Card from American Categorical, please go to this rates and fees page.

Editorial Notice: The editorial content material on this web page is just not supplied by any financial institution, bank card issuer, airline, or resort chain, and has not been reviewed, authorized, or in any other case endorsed by any of those entities. Opinions expressed listed below are the creator’s alone, not these of the financial institution, bank card issuer, airline, or resort chain, and haven’t been reviewed, authorized, or in any other case endorsed by any of those entities.



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