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Best credit cards for online shopping

As our shopping habits go increasingly digital, make sure you are using the credit card that maximizes your rewards and provides the protections and features only the best credit cards can offer.
Brooklyn Lowery, CardRatings Senior Manager Last Updated, July 20, 2021

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. How we make money.

If we've learned anything from the COVID-19 pandemic, it's all the tips and tricks for having everything possible delivered directly to your door rather than venturing out to the stores to buy it. Even before the pandemic, online shopping had begun dominating the retail landscape, but that trend certainly accelerated beginning in mid-March 2020.

But are you using the best credit card for online shopping? It's possible that the card you use when you check out at the grocery store isn't the best one for grocery delivery, or that you could be rewarded specifically for "online shopping."


Maybe you want a simple card to break out every time you make an online purchase – whether you're paying a utility bill or buying toilet paper; or maybe you're open to having several cards you use strategically to max out your rewards depending on the type of purchase you're making. Whatever your goal, we have options for you. So settle back on your sofa, and let's get you set up to make all that online shopping really rewarding.


About Our Ratings

Why We Like It: The Citi® Double Cash Card - 18 month BT offer effectively offers you 2% cash back on all your purchases (1% when you buy, 1% when you pay your balance), so that means that everytime you head online to shop or pay a bill or book a trip, you'll be racking up cash back. (Citi is a CardRatings advertiser). Plus, you can save money with 18 monthes introductory 0% APR on balance transfers (then, 13.99% – 23.99% (Variable)).

The Bonus:There's no traditional bonus, but the intro 0% APR on balance transfers for 18 months could certainly comein handy and you could think of it as a kind of bonus. After the intro, the APR becomes 13.99% – 23.99% (Variable)). There's a balance transfer fee of 3% of each balance transfer; $5 minimum..

The Rewards: Earn 1% when you make your purchse and 1% cash back as you pay your balance, for an effective 2% cash back on every purchases (just be sure you're paying at least the minimum amount due each month, on time, to earn your rewards).

The Annual Fee: $0

Credit Needed: Excellent, Good


  • This card incentivizes paying off your balace, which is a great reminder to pay your balance each month.
  • Even cards that offer bonuses on online spending sometimes limit that to retail only or particular merchants; with this card, you'll earn top rewards whether you're paying an medical bill or buying a new pair of blue jeans.
  • There's no annual fee and a lot of simplicity here to make this card valuable.


  • Remember that the intro 0% APR period doesn't apply to purchases.
  • Two percent total cash back is perfectly respectable, but it's also not the best out there. If you're willing to employ multiple cards and some strategy, you can earn substantially more on your online purchases using cards tailored to particular purchases.
  • If you're online shopping includes purchases from foreign merchants in foreign currencies, you'll be disappointed to find this card charges foreign transaction fees.

Read our full Citi® Double Cash Card - 18 month BT offer review.

2020 Scores 2019 Scores
Overall Score 88.2 88.3
Rewards Program Satisfaction 8.7 8.9
Customer Service 8.9 8.6
Website/App Usability 8.7 8.5
Likelihood of Continuing to Use 9.4 9.2
Recommend to a Friend/Colleague 8.7 8.9

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: It is demoralizing to make a purchase only to see that item go on sale or for the price to drop a few weeks or months later. This card helps save you that disappointment by offering price protection through Paribus, a service that automatically monitors your online purchases from numerous retailers and works to get you money back if a price drops. You don't technically have to pay with a credit card to take advntage of this service, but

The Bonus: Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within three months from account opening, equal to $600 in travel.

The Rewards: Earn an unlimited two miles per $1 on every purchase, every day.

The Annual Fee: $95

Credit Needed: Excellent, Good


  • Redeem your miles for statement credit to cover eligible travel purchases or transfer them to one of several hotel or airline loyalty programs.
  • Since we're talking about the best cards for online shopping, it's worth noting that you can redeem your miles for purchases via
  • In addition to the Paribus price protection on your online purchases, Capital One also offers Wikibuy to help find the best prices when shopping online. (Note, neither Paribus or Wikibuy require you to have a Capital One card in order to utilize the services.)


  • This card does charge an annual fee, so you'll need to ensure it's a good fit and that you can more than offset that fee with the rewards you earn.

Read our full Capital One Venture Rewards Credit Card review.

2020 Scores 2019 Scores
Overall Score 81.6 84.4
Rewards Program Satisfaction 7.9 8.2
Customer Service 8.3 8.4
Website/App Usability 8.5 8.4
Likelihood of Continuing to Use 8.8 9.1
Recommend to a Friend/Colleague 8.1 8.6

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: The American Express® Gold Card offers excellent rewards on purchases with U.S. supermarkets, plus excellent purchase protection, covering eligible purchases against accidental damage or if they're lost or stolen within 90 days of purchase. There's also an extra year added to the manufacturer's warranty of five years or less (terms apply; American Express is a CardRatings advertiser).

The Bonus: Earn 60,000 Membership Rewards® points after spending $4,000 on new purchases within six months of account opening.

The Rewards: Earn four Membership Rewards® points per $1 spent at restaurants including takeout and delivery; four points at U.S. supermarkets (on up to $25,000 per year in purchases, then one point); three points per $1 on flights booked directly with airlines or through; and one Membership Rewards® point per $1 on all other eligible purchases. 

The Annual Fee: $250

Credit Needed: Good, Excellent


  • A shopper's dream: AmEx will extend the original manufacturer's warranty up to one additional years on U.S. warranties of five years or less, provided, of course, that you've made the purchase with an eligible card.
  • You'll also get purchase protection. If you anything you buy with your card is broken, stolen or damaged within the first 90 days, it'll be replaced, up to $10,000 per item and $50,000 per calendar year.
  • There are no foreign transaction fees, which makes traveling internationally – or shopping with overseas merchants in a foreign currency – cheaper.


  • The annual fee is a bit higher than average. Just make sure you'll more than offset the fee with the rewards you earn; it likely won't be difficult to do.
  • Unlike typical credit cards, this card allows you to carry a balance for certain charges, but not all. That could be a good thing, though; if you use the card right, you won't pay interest. But it's helpful to know and possibly a bummer for anybody who wants to take a little more time than a month to pay the card back.

Read our full review of the American Express® Gold Card.

2020 Scores 2019 Scores
Overall Score 88.9 84.6
Rewards Program Satisfaction 8.8 8.3
Customer Service 9.1 8.7
Website/App Usability 8.9 8.2
Likelihood of Continuing to Use 9.2 8.8
Recommend to a Friend/Colleague 8.7 8.4

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: The Blue Cash Everyday® Card from American Express offers a no-annual-fee option for excellent rewards at U.S. supermarkets, U.S. gas stations and select U.S. department stores. Obviously, it's the department stores and maybe the supermarket rewards that put that card on the our best cards for online shopping list.

The Bonus: Earn 20% back on purchases made on the card in the first six months of card membership, up to $150 back. Plus, earn $100 back after you spend $2,000 in purchases on your new card within the same time frame. You will receive cash back in the form of statement credits.

The Rewards: Earn 3% cash back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%); earn 2% back at U.S. gas stations and at select U.S. department stores; and earn 1% back on your other eligible purchases. Your cash back accumulates as Reward Dollars that can be redeemed for statement credit.

The Annual Fee: $0.

Credit Needed: Good, Excellent


  • If you're an avid online shopper, or you enjoy donning your mask and going to department stores – the 2% cash back rewards specifically for those purchases could be lucrative.
  • As introductions go, this one's memorable. You'll enjoy an intro 0% APR period lasting 15 months on purchases (then,13.99% - 23.99% Variable).
  • There are no spending caps in the 2% or 1% cash back category, so shop to your heart's content and know you're racking up cash back.


  • The rewards for U.S. supermarket purchases are capped annually at $6,000, and then the rewards rate drops to 1%. If you think you'll spend far more, and the way grocery prices are, you well may, you might want to find a rewards card without the caps.
  • Thinking of traveling abroad? Keep the foreign transaction fee in mind: 2.7% of each transaction after conversion to US dollars..

Read our full Blue Cash Everyday® Card from American Express review.

2020 Scores 2019 Scores
Overall Score 86.3 Did not survey
Rewards Program Satisfaction 8.5 n/a
Customer Service 8.8 n/a
Website/App Usability 8.6 n/a
Likelihood of Continuing to Use 9.3 n/a
Recommend to a Friend/Colleague 8.6 n/a

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: There are certainly seasons when you probably do more online shopping than other times, which is why the ability to select "online shopping" as your top earning cateogry one month, but then "travel" or "dining" the next month is so valuale. Furthermore, earning 3% cash back in your choice category means that anywhere you shop online will earn you that top cash back (note that this is for retail establishments and things like medical bills, education/tuition payments and some other non-retail payments do not qualify as "online shopping").

The Bonus:  Earn a $200 online cash bonus after spending $1,000 on purchases within the first 90 days of card membership.

The Rewards: Earn 3% cash back in a category of your choice from the following six categories: online shopping, gas (the default category), travel, dining, drug stores or home improvement/furnishings. Earn 2% cash back on grocery store and wholesale club purchases (3% and 2% cash back is on the first combined $2,500 spending in your choice category/grocery/wholesale club purchases each quarter, then 1%). Earn 1% back on your other purchases. Bank of America Preferred Rewards clients earn 25%-75% more cash back on purchases depending on your tier, which is based based on average three-month balances across eligible accounts).

The Annual Fee: $0

Credit Needed: Excellent/Good


  • Appealing rewards bonus for online shop-a-holics: You'll receive $200 online cash rewards bonus after spending $1,000 on purchases in the first three months of opening the account.
  • This card is a top card for online shopping because it gives you the option to select "online shopping" as your highest earning category, but there are other options too. And, as an online shopper, we know you appreciate options.
  • We're always happy when there is no annual fee.
  • The rewards categories are already lucrative, but Preferred Rewards clients stand to earn even more: If you're just a Gold tier member (that's the lowest tier), you could be earning 3.75% back on your online purchases (up to the cap).


  • Sure you can earn 3% on your online shopping purchases, but the $2,500 quarterly combined spending caps in your choice category/grocery/wholesale club purchases are a bit of a downer. We'd rather see no spending caps or a higher spending cap.
  • The Preferred Rewards client tiers are certainly nice, but the bar to become a Preferred Rewards client is fairly high – it starts with an average three months balance of $20,000 across all your eligible accounts.

Read our full review of the Bank of America® Customized Cash Rewards credit card.

2020 Scores 2019 Scores
Overall Score 88.1 84.1
Rewards Program Satisfaction 8.9 8.5
Customer Service 8.9 8.4
Website/App Usability 8.8 8.4
Likelihood of Continuing to Use 9.2 8.8
Recommend to a Friend/Colleague 8.5 8.2

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: The no-annual-fee Ink Business Cash® Credit Card means your business can earn up to 5% cash back on purchases of office supplies, including if you shop via your favorite office supply store's website.

The Bonus: Earn a $750 cash back bonus after spending $7,500 on purchases in the first three months from account opening.

The Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases each account year at office supply stores (including purchases via the store's website, and things like computers, printers and more) and on phone, internet and cable services. Earn 2% cash back on the first $25,000 spent in combined purchases yearly at gas stations and restaurants; and earn an unlimited 1% cash back on your other purchases.

The Annual Fee: $0; add additional employee cards at no cost.

Credit Needed: Excellent, Good


  • It's a great card for buying office supplies online (or offline, or anything you buy for your business) and your cash back accumulates as Chase Ultimate Rewards® points, a highly valued travel rewards currency.
  • There's no annual fee to worry about offsetting.
  • Buy something you need to take your business to the next level and enjoy a intro 0% APR for the first 12 months on purchases (then, 13.24% - 19.24% Variable)).


  • Foreign transaction fees make this card not a great choice if your business travel takes you abroad or if you frequently buy items online from merchants in a foreign currency.
  • That $25,000 cap on combined spending to earn the top rewards is a bit low. If your business, for instance, needs to replace a number of computers or other electronics, you'll quickly eat through that cap.

Read our full Ink Business Cash® Credit Card review.

2020 Scores 2019 Scores
Overall Score 77.1 83.2
Rewards Program Satisfaction 7.7 8.1
Customer Service 7.7 8.5
Website/App Usability 7.7 8.5
Likelihood of Continuing to Use 7.9 8.7
Recommend to a Friend/Colleague 7.8 8.3

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: Besides this card offering 5% back on up to $1,500 spent in quarterly rotating categories (quarterly activation required), it also offers you a non-traditional welcome bonus opportunity that is as lucrative as you're able to make it.

  • INTRO OFFER: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at checkout.
  • #1 Most Trusted Credit Card according to Investor's Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
See More


  • The possibility of a VERY lucrative welcome bonus opportunity really can't be stated enough. Discover will MATCH the cash back you earn during your first year as a cardholder.
  • There's no annual fee to offset, so all the rewards you earn when you shop online, or offline, are yours to keep.
  • Straight cash back is nice, but, keeping with the online shopping theme, know that you can redeem your rewards directly for purchases at


  • If you're not a fan of keeping track of categories and quarters, you may want another card. Remember, too, that you'll need to activate each quarter to earn the 5% on rotating categories up to the quarterly maximum. It's easy to do via your account online, but is another thing to remember.
  • Discover, while regularly expanding its network, is not as widely accepted as Visa, Mastercard or even American Express. It's worth keeping in mind, particularly if you live or travel off the beaten path.

Read our full Discover it® Cash Back review.

2020 Scores 2019 Scores
Overall Score 87.7 88.7
Rewards Program Satisfaction 8.8 8.8
Customer Service 8.8 8.9
Website/App Usability 8.6 8.7
Likelihood of Continuing to Use 9.2 9.3
Recommend to a Friend/Colleague 8.6 8.8

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


Amazon Prime Rewards Visa Signature Card

(This card is not currently available on CardRatings)

About Our Ratings

Why We Like It: If you're shopping online, there's a pretty good chance you find yourself at sometimes. If you're there A LOT, well, a card that rewards that loyalty could be an excellent addition to your wallet. Sure other cards sometimes offer top rewards for your Amazon and/or Whole Foods purchases, but this one offers those top rewards all the time as well as some additional perks for your loyalty.

The Bonus: Cardholders receive a $150 Amazon gift card immediately upon approval, so there's no minimum spend to worry about.

The Rewards: Earn 5% back on purchases with or through Whole Foods Market; 2% back at restaurants, gas stations and drugstores; and 1% back on all your other purchases. Rewards can be redeemed for Amazon purchases, for statement credit or for a direct deposit to an eligible checking or savings account.

The Annual Fee: There isn't an annual fee for the card, but you do need to be an Amazon Prime Rewards member, which comes with a $119 per year membership fee.

Credit Needed: Good/Excellent


  • There's no better card out there to always, every time earn 5% back on your Amazon and Whole Foods Market purchases. There are other cards that offer that amount during certain quarterly bonuses, but if this is your primary online shopping destination, this card is tough to beat.
  • You could even use this card when traveling internationally. There's no foreign transaction fee.
  • Amazon often runs additional promotions and discounts for cardholders, such as extra percentages off your purchases on Prime Day.


  • Technically, there's no annual fee, but you have to be an Amazon Prime member to apply for the card, and so that's essentially an annual fee ($119 annually; $59 for students). But if you're an Amazon devotee, you probably don't care.
  • There's no introductory low or 0% APR period.

Read our full Amazon Prime Rewards Visa Signature Card review.

We have not polled this card yet, but would love to hear your thoughts on it if you are a cardholder. Comment below or email us at to share more about your experience.


Security and protecting your identity are top of mind for many people these days, as they should be. An increasingly digital world provides so many opportunities for your identity and your money to be compromised. Luckily, an increasingly digital world also means that there are many ways – and new ones all the time – to keep yourself safe.

Credit cards offer protections that shopping with cash, checks or debit cards cannot. Some of those protections are regulation related, like rules around how a bank has to handle the fraud if your credit card is stolen, while others are strictly practical, as in there's no replacing it if you lose or have stolen a wallet-full of cash.

In general, shopping online with a credit card is among the most secure ways you can interact in the seemingly endless world of online retail. Many issuers these days are even offering temporary card numbers specifically for your online purchases so that you don't have to ever put your permanent account number into a website. Plus, online payment services such as PayPal, mean that you can enter your payment information once and not have the need to even take your card out of the safety of your wallet in order to make a purchase in the future.

All that being said, there are some steps you should take to ensure that your credit card and personal information remain safe when you shop online:

1. Shop from reputable websites only. Know the brand you're buying from. If you've never seen the website before, spend a few minutes Googling for reviews or reports to the Better Business Bureau about the site. It's very difficult for a site to remain review-free on the web; if other people have had trouble with the site, you're almost guaranteed to find out that information with a quick internet search. You may still decide to go ahead with your purchase, but you'll be fully informed when you do.

2. Consider carefully to whom you hand your card for making an online purchase. Maybe you expected your roommate to use your card just once to buy that one pair of shoes and then pay you back. But many retailers offer you the option of saving your payment information to an account in order to make future purchases simpler. If your friend did that, they essentially have access to your account whenever they want... even if you and your roommate have a falling out.

3.  Never give your info over the phone if someone calls you. If you place an order online and soon after receive a phone call telling you they need your credit card info again in order to complete your purchase, be leery. If that's true, you can hang up and call the company back yourself. That way you know who you've called and you can verify whether they need your info. This is a good lesson whether shopping online or not – never give out personal information to a stranger who calls you on the phone, no matter what they tell you they need it for.

4. Take advantage of the safety features built into your card. If your card offers you the option of paying with a temporary card number or any other features to make your purchase more secure, take them up on it! You have nothing to lose by using these safety features and potentially a lot to gain by avoiding fraud and identity theft.

Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. CardRatings website analytics from Jan. 1, 2020-Aug. 31, 2020 were used to determine a selection of the most popular cards and additional cards were added to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted.

Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.

To see the rates and fees for the American Express cards featured in this post, please visit the following links: American Express® Gold Card (See Rates and Fees); Blue Cash Everyday® Card from American Express (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. does not review every company or every offer available on the market.


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