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Online shopping is a massive industry that grows larger every year. More than 90% of people who use the internet make at least the occasional online purchase. Of those purchases, a good portion are done with credit cards, which are quickly becoming shoppers' favorite payment method.
That amount of spending should be rewarded. With such a vast array of credit cards on the market, it can be hard to figure out the best credit cards for online shopping. So, we've put together a handy guide to help you find your perfect match.
Bank of America® Customized Cash Rewards credit card
Great for: Premium cash back in your categories of choice
On Bank of America's Secure Website.
On Bank of America's Secure Website.
Good/Excellent (670-850)
Intro APR 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. Balance transfers include a fee of 3% for 60 days from account opening, then 4%.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.24% - 28.24% (Variable)
Rewards 3% cash back in your choice category, 2% at grocery stores & wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all other purchases.
1% - 3% cash back
Annual Fee
$0
Welcome Offer $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200 cash rewards
This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 3% earnings in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America Preferred Rewards member, this card will be even more valuable for you. Read Full Review
Great for: 2% cash rewards on all eligible purchases
Good/Excellent (670-850)
Intro APR 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 15 months from account opening
Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Rewards Earn unlimited 2% cash rewards on purchases.
2% cash rewards
Annual Fee N/A
$0
Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewards
This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus and a generous intro APR offer. We simply haven’t come across this combination of top perks in one card before. Read Full Review
Great for: Bonus category cash back
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
17.24% - 28.24% Variable APR
Rewards Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
1% - 5% Cashback
Annual Fee
$0
Welcome Offer N/A
Discover will match all the cash back you’ve earned at the end of your first year.
We think this card has among the highest cash back potential for cards with no annual fee. The key is the Unlimited Cashback Match — Discover automatically matches all the cash back new cardholders have earned at the end of the first year. That cash back can seriously add up when you earn 5% cash back on rotating bonus categories (when you activate them, up to the quarterly maximum) and 1% on other purchases. Read Full Review
Great for: Amazon Prime members
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 27.49%, variable
Rewards Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases
1% - 5% back
Annual Fee
$0
Welcome Offer Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Get a $100 Amazon Gift Card
If you have an Amazon Prime account, do we have the card for you! This one is part of Chase's lineup, and earns a whopping 5% cash rewards on Amazon, Whole Foods, and Amazon Fresh purchases. Best of all, that cash back is available to you as soon as the next day -- so if you make frequent Amazon purchases and have a Prime membership, you'll easily save. Read Full Review
U.S. Bank Cash+® Visa Signature® Card
Great for: Bonus category cash back
Good/Excellent (670-850)
Intro APR 0% on purchases and balance transfers for the first 15 billing cycles on purchases billing cycles, and after that 19.49% - 29.74% (Variable).
Purchases: 0%, 15 billing cycles on purchases
Balance Transfers: 0%, 15 billing cycles
Regular APR
19.49% - 29.74% (Variable)
Rewards 5% cash back back on up to $2,000 of quarterly spending in two categories of choice and for travel booked directly in U.S. Bank's Rewards Travel Center, unlimited 2% back in one "everyday" category of choice, 1% back on other purchases
1% - 5% back
Annual Fee
$0
Welcome Offer Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
You get the power to choose not one, but two bonus 5% cash back categories every quarter with this U.S. Bank card. Plus, you get 5% on travel spending when you book through U.S. Bank. No annual fee, a generous welcome bonus, and 15 billing cycles of 0% APR on purchases and balance transfers round out the perks on this card.
Chase Sapphire Preferred® Card
Great for: Purchase protection and travel rewards
On Chase's Secure Website.
On Chase's Secure Website.
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.49%-28.49% Variable
Rewards Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Annual Fee N/A
$95
Welcome Offer Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
60,000 bonus points
The enormous welcome bonus (worth up to $750), bonus points for travel and dining, and $50 annual hotel credit alone make this card well worth the $95 annual fee. What really stands out are the rare travel protections such as trip delay reimbursement, lost luggage reimbursement, and trip cancellation/interruption insurance. It’s the only low annual fee card we’ve seen offer those protections. Read Full Review
Capital One Walmart Rewards® Mastercard®
Great for: Walmart shoppers
Good (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.48% or 29.99% (Variable)
Rewards 5% back on purchases online at Walmart, including Grocery Pickup and Deliver, 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, 1% back on other eligible purchases
1% - 5% back
Annual Fee
$0
Welcome Offer 5% back on in-store purchases for the first 12 months
5% back
A compelling offer for Walmart fans, but not a fit for anyone seeking a one-card wallet with versatile rewards.
Target RedCard
Great for: Target shoppers
Good (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
28.15%, variable
Rewards 5% discount on Target and Target.com purchases. 2% cash back on gas and dining purchases. 1% cash back on other purchases outside of Target.
1%-5% rewards
Annual Fee
$0
Welcome Offer
Save $50 on a future qualifying purchase over $50 when approved for a credit card.
Good for loyal Target shoppers who can make the most of the purchase discount and free shipping benefits. Target RedCard Credit Card cardholders can also earn rewards on all purchases toward a Target gift card. Otherwise, the card's features are limited for most other people.
As with most things in life, there's no single credit card that will be the best for everyone. Many factors go into choosing the best credit card for anything, including online shopping.
Of course, before you can start comparing credit card options, you need to figure out exactly what you need -- and want -- out of a card. Here are a few questions that may give you a better idea of what your new card should offer.
For many folks, the best card for a given purchase is the one that provides the most rewards. Few cards offer bonus rewards for all eligible online purchases. In fact, we only have one: the Bank of America® Customized Cash Rewards credit card.
However, you can find several cards that offer bonus rewards for certain types of online purchases. This could be regular cards with bonus points or cash back. Or it may be co-branded store credit cards with retailer rewards.
The Prime Visa, for instance, earns 5% cash back on Amazon purchases if you have a Prime account. The U.S. Bank Cash+® Visa Signature® Card lets you choose your own 5% cash back categories from a list that includes department stores and electronics stores.
A flat-rate rewards card can be a simple way to get decent rewards no matter where you shop. They offer the same rewards rate on your purchases, online and off. Some of these cards offer as much as 2% cash rewards on purchases, including the Wells Fargo Active Cash® Card.
Of course, you should consider more than how many rewards you'll earn. You should also think about the type of rewards you'll earn.
A cash rewards credit card typically has the simplest rewards to use. You can redeem them for a statement credit and call it a day. Cards that earn rewards points can be more complicated. The value you get out of your points will depend entirely on how you redeem them.
For example, redeeming rewards points for cash often gives you a low per-point value. Some travel rewards programs offer less than $0.01 per point for cash or gift card redemptions.
On the other hand, the best travel rewards credit cards earn points that can be transferred to an airline or hotel loyalty program. This can provide a per-point redemption value of $0.01 all the way up to $0.04 or even more.
Ready for some shopping? Check out The Ascent's Ikea credit card review.
Shopping online opens a world of commerce. With a few clicks, you can buy shortbread straight from Scotland. But there's a downside to this, too: foreign transaction fees.
When you make an online purchase in a foreign currency or that routes through a foreign bank, your credit card issuer may charge you an extra fee. This is called a foreign transaction fee, or FX fee. These fees can be 3% to 5% of your transaction amount.
The best way to avoid foreign transaction fees is to use a credit card that doesn't charge them. Travel cards are the least likely to charge FX fees. Discover and Capital One also forego FX fees on their credit cards.
In general, purchase protection is like short-term insurance for things you buy with your card. While specifics vary by policy, most offer at least 60 days of coverage against accidental damage or theft. If your purchase is stolen within the protection window, you can get a full refund from your card issuer.
Another useful credit card benefit is extended warranty coverage. This perk can double the manufacturer's warranty for eligible purchases. Think of it as a way to skip out on pricey store warranties without forking over extra cash.
Unfortunately, benefits like these are becoming rarer every year. Premium cards with high annual fees are the most likely to offer them. For example, American Express purchase protection is only available on Amex cards with an annual fee. However, Chase purchase protection is offered on most Chase cards, including the Chase Sapphire Reserve®.
One of the key tenets of smart credit card use is to always pay off your card in full before the due date. This is the best way to avoid pricey interest fees. The best way -- but not the only way.
If you're making a large online purchase, you may want more time to pay it off than a single billing cycle. With a 0% intro APR credit card, you can have 12 months or more to pay off your purchase without being charged interest.
These cards offer a reduced interest rate for the length of the introductory period. While you still have to make at least your minimum payment every month, you don't have to worry about accruing interest during that time.
Although choosing the right card is important, how you use your card may be just as important. Using the right card the wrong way can negate its strengths.
Many types of credit cards have rewards that can vary from time to time. This is especially relevant for cards with rotating or choose-your-own rewards structures.
For example, several popular rewards credit cards have bonus categories that change every quarter. While it may have been the best card for certain online purchases last month, that may not be the case this month. You'll also need to stay on top of your activations. If you fail to activate your bonus rewards, you may miss out on them entirely.
Another thing to keep track of is any rewards limits. Many high-value rewards cards have caps on how many bonus rewards you can earn. If your card only earns bonus rewards on $1,500 in bonus purchases per quarter, then using it beyond that may be a waste.
Even if your card doesn't typically change up its rewards, it can be worthwhile to check up on any special offers. It's not uncommon for rewards cards to have limited-time bonus categories appear from time to time.
Another place to find great rewards deals is in issuer shopping portals. The Amex Offers & Benefits portal, for instance, frequently has bonus rewards offers for partner retailers. This can give you extra points per dollar or for spending a certain amount.
Other portals may just give you a flat-rate discount. Chase cardholders can add discounts for partner retailers for things like 5% off your purchase.
Most of the time, you simply click a button to add the deal to your card. Then it is applied automatically when you use your card on an eligible purchase. Other times, you may need to use a provided link to make your purchase.
Credit card sign-up bonuses are the cornerstone of a good rewards strategy. The right bonus can be worth hundreds to thousands of dollars. The catch? You typically need to meet a minimum spending requirement on your new card within a set time period.
Given the lucrative nature of sign-up bonuses, there are cases where working towards a sign-up bonus is better than using the card with the highest rewards rate. It can be well worth it to lose out on 50 bonus points to earn a 10,000-point welcome bonus.
Using a credit card online can be a lot riskier than when you use it in person. Once you input your credit card data, it's out of your hands. And it's all too easy to be lured in by a fake website or other online scam.
On the plus side, your credit card offers a lot of built-in security. For one thing, your liability for fraudulent credit card charges is limited by law. If your credit card information -- but not your physical card -- is used to make unauthorized purchases, you aren't on the hook at all. (With a debit card, you need to report the fraudulent charges within 60 days of receiving your statement to avoid liability.)
That said, it can be a pain to cancel a card and deal with fraud claims. Following a few common-sense measures can go a long way toward protecting your card information while shopping online.
Just like shopping in person, always keep your receipts when shopping online. This can make it easier to address any issues that may arise. Always double check your credit card statements. Keep an eye out for any purchases that aren't familiar, and report anything suspicious to your issuer right away.
Card | Rating | Great For |
---|---|---|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Premium cash back in your categories of choice |
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: 2% cash rewards on all eligible purchases |
|
2024 Award Winner
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Bonus category cash back |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Amazon Prime members |
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Bonus category cash back |
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Purchase protection and travel rewards |
|
Rating image, 3.50 out of 5 stars.
3.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Walmart shoppers |
|
Rating image, 3.50 out of 5 stars.
3.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Target shoppers |
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
Our highest-rated credit cards have:
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
Any credit card that operates on a major card network (Visa, Mastercard, Discover, or American Express) can be used for online shopping. Even people with low credit scores can often get approved for a credit card.
If you have a high credit score -- above 670 -- most rewards cards will be open to you. Applicants with fair credit can look for starter or entry-level unsecured cards. If you need to build credit, try a secured credit card.
The best rewards card for online shopping is the one that provides the best rate on your specific purchases. Few cards are available that offer bonus rewards on all online purchases. But many cards offer bonus categories that cover many types of shopping.
Some rewards cards will have static bonus categories. Other cards may have rotating bonus categories that change each month or quarter. Rotating bonus categories can be useful if you do a lot of seasonal shopping.
If dealing with bonus categories is too much of a bother, a flat-rate rewards card can be a good tool. You'll earn the same rewards rate on your purchases, regardless of retailer or website.
Ideally, you can find a card that is useful both online and offline. However, it's perfectly fine to have separate cards for different types -- or methods -- of shopping.
Having a dedicated card for online shopping can be useful. Cards that offer bonus rewards for the online retailers you use frequently can be quite valuable. This may mean a specific rewards card or a store card.
Our Credit Cards Expert
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The Motley Fool owns shares of and recommends Mastercard and Visa.