AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers. Offers for Bank of America cards mentioned in this post have been updated as of 05/29/2025
Online shopping is pretty much a fixture of everyday life. And it goes without saying that using the right credit card when you shop online can help you earn valuable points, miles, or cash back on every purchase. But which credit card should you use? Here's what should be at the front of your wallet.
Page Contents
Use a Card With a Welcome Bonus
Using a card that offers a new card member signup bonus will give you the best return on your online spending. The sum of points, miles, or cashback you can earn (per dollar spent) from this bonus will likely outweigh even the best online shopping spending categories.
If you're not already working towards a welcome bonus, here are some of the best signup offers available now.
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
- Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases
- Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging stations, cable, streaming services and local transit (including ride share) purchases
- Earn unlimited 1 mile for every $1 spent on all other eligible purchases
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
The Best Cash-Back Credit Cards for Online Shopping
For many shoppers, cash is king. Let's start by looking at some of the most rewarding cash-back credit cards for online spending. As the category name implies, your spending will be rewarded with cash back instead of points and miles. You can use these rewards to pay yourself back or put toward more online shopping.
And there are some fantastic cash-back credit cards ready to reward your online shopping. Here are some great options to consider:
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
- 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
- 1.5% cash back on all other eligible purchases
With “shopper” in its name, the U.S. Bank Shopper Cash Visa knows its target audience. You'll earn 6% cash back on your first $1,500 in combined purchases each quarter, valid at two retailers of your choice. Options include Apple, Amazon.com, Ikea, Walmart, Target, Best Buy, and more — 24 options in total.
You'll also earn 3% cash back on $1,500 of spending each quarter from a category of your choice — one of which is wholesale clubs.
Related: U.S. Bank Shopper Cash Visa Card Review
Prime Visa
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
- Rates & Fees
- Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Unlimited 2% back on local transit and commuting (including rideshare)
- Unlimited 2% back at restaurants and at gas stations
- Unlimited 1% back on all other purchases
If you frequently shop on Amazon, the Prime Visa is worth getting. This card earns an unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, plus 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). You'll also instantly receive a sizable $150 Amazon Gift Card upon approval. Best of all, the card charges a $0 annual fee.
Related: Best Credit Cards for Shopping on Amazon
U.S. Bank Cash+® Visa Signature® Card
- Earn a $200 bonus after spending $1,000 in eligible net purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on one everyday category (like gas or groceries), 1% cash back on all other eligible net purchases
- No annual fee
- 5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category (like gas or groceries)
- 1% cash back on all other eligible net purchases
The U.S. Bank Cash+ Visa allows you to choose two categories for earning 5% cash back (on $2,000 of spending) each quarter, plus a category for 2% cash back. Eligible U.S. Bank Cash+ Visa categories for 5% cash back include department stores, electronics stores, furniture stores, and select clothing stores.
Bank of America® Customized Cash Rewards credit card
- 6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy purchase, or home improvement/furnishing purchases, then 3% after the first year of card membership*
- 2% cash back at grocery stores and wholesale clubs*
- 1% cash back on all other purchases
- * You'll earn 6% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
The Bank of America Customized Cash Card is worth your digital swipes — assuming you pick “online shopping” as your chosen cash-back category. The card also earns 2% back at grocery stores and wholesale clubs, which brings us to an important caveat. You'll earn 6% and 2% cash back on the first $2,500 in combined spending from the 6% and 2% categories each quarter, then 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
It's worth remembering this caveat if you plan to spend more than $2,500 on online purchases within a quarter. And it's also worth pointing out that you could earn up to 10.5% back in this category if you qualify for Bank of America Preferred Rewards.
Related: How To Select Your Bank of America Customized Cash Card Bonus Category
Blue Cash Everyday® Card from American Express
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
As one of the best all-around cash-back credit cards, the Blue Cash Everyday is a powerhouse for online shopping. You'll earn 3% cash back with U.S. online retailers on up to $6,000 per year — then 1%. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
And with a $0 annual fee (Rates & Fees), this earning rate for online shopping is hard to beat, and this doesn't account for the card's other equally valuable earning categories.
Related: Comparing American Express Cash-Back Cards
The Best Flexible Rewards Credit Cards for Online Shopping
Rewarding your online shopping with a hefty sum of flexible rewards points is another option — and one of our favorites. If you've got travel goals, here are some of the top flexible rewards cards for your online shopping:
Capital One Venture Rewards Credit Card
- Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles on all other purchase
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $95 annual fee
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
Tapping into the world of Capital One miles, the Capital One Venture earns 2X miles per dollar on all purchases not made through Capital One Travel — which presents a great return on your online shopping if you value flexible rewards.
Related: Capital One Venture Rewards Credit Card Review
American Express® Gold Card
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
- 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
- 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
- 1X on other eligible purchases
While 1X Membership Rewards point per $1 spent on online shopping may make the inclusion of the Amex Gold seem odd, the card's little-talked-about perks make it worthy of your digital swipes.
Purchase protection on the Amex Gold will reimburse you for theft, loss, or accidental damage to eligible items within 90 days of purchase. To become eligible, all you have to do is pay for the items with your card.
Amex will reimburse cardholders for up to $10,000 per covered purchase and up to $50,000 annually — though coverage limits apply, and you won't be reimbursed for more than the amount charged to your card. These are incredible protections to keep in your back pocket as you make online purchases and earn valuable Membership Rewards points. It's the best of both worlds.
Related: Amex Gold Card Review
Best Cards for Everyday Spending
Can't maximize any of the above options? Consider one of these best cards for everyday spending.
Bank of America® Premium Rewards® credit card
- 2 points for every $1 spent on travel and dining purchases
- 1.5 points per $1 spent on all other purchases
If you bank with Bank of America or have retirement savings with Merrill, consider getting the Bank of America® Premium Rewards® credit card to maximize your cashback on everyday purchases. With this card, Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. .
However, that's just the base earnings. You can boost your earnings by up to 75% through the Bank of America Preferred Rewards program, boosting your return as high as 2.625% cashback on everyday purchases.
Related: Earn Up to 2.625% Cash Back on All Purchases With No Annual Fee
Wells Fargo Active Cash® Card
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Earn unlimited 2% cash rewards on purchases
The Active Cash Card (Rates & Fees) keeps it simple. You'll earn unlimited 2% cash rewards on purchases — for a $0 annual fee. This card is for you if you don't want to keep up with choice categories, earning categories, or redemption strategies.
Related: Wells Fargo Active Cash® Card Review
Chase Freedom Unlimited®
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
Aside from some higher earning categories for travel and dining-related spending, the Freedom Unlimited‘s main highlight is its standard 1.5% on all other purchases cash back on purchases. This is pretty good for a $0-annual-fee product, but there's more.
The current welcome offer on the card is a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. The Freedom Unlimited card is a fantastic choice if you value simplicity and want to take advantage of an incredible offer.
Related: Chase Freedom Unlimited Review
Citi Double Cash® Card
If you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 2% cash back on every purchase - 1% when you buy + 1% when you pay
- 0% intro APR on balance transfers for 18 months. After that, the (Variable) APR will be 18.24% - 28.24% based on your creditworthiness
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
- No annual fee
- Earn 2% cash back on every purchase—1% when you buy and 1% when you pay. Plus, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Citi cash rewards now also convert to ThankYou points at 1:1 ($10 = 100 ThankYou points).
The Citi Double Cash is a valuable wallet companion for online spending. You can cash out the ThankYou® Points you earn at 1¢ apiece, so you get 2% cash back as a baseline (earned as 1% when you buy plus 1% as you pay), or you can transfer the points earned to three airline transfer partners. And with $0 annual fee, the card is free to hold.
Related: Citi Double Cash Card Review
TD Double Up℠ Credit Card
- $150 Cash Back: Receive a $150 statement credit when you spend $1,000 within the first 90 days of opening your account.
- Enjoy unlimited 2% Cash Back on every eligible purchase.
- Enjoy Visa benefits like cell phone protection when you use your card to pay your monthly mobile bill.
- Zero annual fee.
- Only available to residents of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.
- Unlimited 2% Cash Back on every eligible purchase
If you're unfamiliar with TD Bank but like to earn cash back when you shop online, it's worth getting introduced to the TD Double Up℠ Credit Card. This product earns an unlimited 2% cash back on all eligible purchases. It's another card that keeps it simple, which is one of the biggest reasons why we like it.
However, the most notable restriction to getting this card is that it's only available to customers based in Connecticut, Delaware, the District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, and Virginia. If you aren't physically located in one of these states, you'll be unable to apply for TD Bank credit cards.
Related: TD Double Up Card Card Review
Use Shopping Portals To Boost Your Rewards
Many of the credit cards discussed in this post will handsomely reward your online spending. But what if we told you that you could earn even more rewards? Well, it's possible. Enter shopping portals.
Shopping portals are a convenient way to earn extra rewards on top of what you'll already receive when you pay by credit card. Whether you want to boost your cashback, earn more flexible rewards points, or spend your way to airline elite status, there's a shopping portal out there for you.
To earn these rewards, click through the portal before heading to the website where you want to make a purchase. Now, you'll earn whatever sites like Cashback Monitor or Rakuten offer, plus the rewards your credit card offers.
Final Thoughts
No matter how you want to reward yourself for all the online shopping you'll be doing this year — and in the years beyond — plenty of credit cards deserve a place in your wallet. Using one of the best cards for online shopping is one of the easiest ways to reward purchases you're already going to make.
What's your favorite credit card to use for online shopping? Let us know in the comments.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees), Prime Visa (Rates & Fees), Blue Cash Everyday® Card from American Express (Rates & Fees), American Express® Gold Card (Rates & Fees), and Chase Freedom Unlimited® (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.