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.
Cash back cards ranked by effective return rate on online shopping purchases.
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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Online Shopping, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bank Of America
Side-by-side view of the ranked picks.
| Card | Online Shopping Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Susan G. Komen® Customized Cash RewardsBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Blue Cash Everyday Card from American ExpressAmex | 3% cash back | 3.0¢/$ | $0 | $42 |
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Bank Of America
Citi
| amex |
| Bank of America® Customized Cash Rewards for StudentsBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Bank of America® Customized Cash Rewards SecuredBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | — | visa |
| SoFi Credit CardSofi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| TD Double Up Credit CardTd Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
