Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
American Express cards ranked by earn rate on online shopping spending.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Online Shopping, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Amex
Side-by-side view of the ranked picks.
| Card | Online Shopping Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Blue Cash Everyday Card from American ExpressAmex | 3% cash back | 3.0¢/$ | $0 | $42 | amex |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,149.50 | amex |
| Rakuten American Express CardFirst Electronic Bank | 1% cash back | 1.6¢/$ | $0 | — | amex |
| Hilton Honors American Express Surpass CardAmex | 4x Hilton Honors | 1.6¢/$ | $150 | $100 |
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Open in full search with filters →Amex
First Electronic Bank
| amex |
| Hilton Honors American Express CardAmex | 3x Hilton Honors | 1.2¢/$ | $0 | — | amex |
| American Express Gold CardAmex | 1x Membership Rewards | 1.5¢/$ | $325 | $212 | amex |
| Hilton Honors American Express Aspire CardAmex | 3x Hilton Honors | 1.2¢/$ | $550 | $504.50 | amex |
| Delta SkyMiles Gold American Express CardAmex | 1x SkyMiles | 1.0¢/$ | $150 | $170 | amex |
| Navy Federal More Rewards American Express®Navy Federal | 1x points | 1.0¢/$ | $0 | — | amex |
| TAP Miles&Go American Express®Cardless | 1x TAP Miles&Go | 1.0¢/$ | $79 | — | amex |
