Best Credit Cards for Online Shopping
Ranked by effective value on e-commerce — earn rates, portal bonuses, and purchase protections.
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.
Top Pick
Bank of America Customized Cash Rewards Credit Card
Bank of America
3% cash back on Online Shopping
- +3% cash back on online shopping
- +$200 cash back bonus (~$200 value)
- +No annual fee
VISACore Rate
3.0¢
per dollar on online shopping
No annual fee
Welcome: $200 cash back
Runner-Up
AllModern Mastercard
Citi
2x points on Online Shopping
- +2x on online shopping
- +Free Shipping on Eligible Purchases — not counted in estimated value or ranking; eligible use has not been established
- +$40 discount bonus (~$40 value)
MASTERCARDCore Rate
2.0¢
per dollar on online shopping
No annual fee
Welcome: $40 discount
Also Great
Blue Cash Everyday Card from American Express
American Express
3% cash back on Online Shopping
- +3% cash back on online shopping
- +No annual fee. Other listed credits: $84 Disney Streaming Credit (up to $7/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +Amex Offers — not counted in estimated value or ranking; eligible use has not been established
AMEXCore Rate
3.0¢
per dollar on online shopping
No annual fee
Welcome: $200 cash back
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Applicable Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Bank of America Customized Cash Rewards Credit CardBank of America | 3% cash back Online Shopping | 3.0¢/$ | $0 | visa |
| AllModern MastercardCiti | 2x points Online Shopping | 2.0¢/$ | $0 | mastercard |
| Blue Cash Everyday Card from American ExpressAmerican Express | 3% cash back Online Shopping | 3.0¢/$ | $0 | amex |
| Birch Lane MastercardCiti | 2% cash back Online Shopping | 2.0¢/$ | $0 | mastercard |
| Joss & Main MastercardCiti | 2x points Online Shopping | 2.0¢/$ | $0 | mastercard |
| Hilton Honors American Express Surpass CardAmerican Express | 4x Hilton Honors Online Shopping | 1.6¢/$ | $150 | amex |
| Bilt Palladium CardCardless | 2x Bilt Rewards All Other | 4.0¢/$ | $495 | mastercard |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles All Other | 2.6¢/$ | $95 | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back All Other | 2.0¢/$ | $0 | visa |
| Citi Double Cash CardCiti | 2% cash back All Other | 2.0¢/$ | $0 | mastercard |
More Options
#4Birch Lane MastercardNo fee
2.0¢/$
#5Joss & Main MastercardNo fee
2.0¢/$
#6Hilton Honors American Express Surpass Card$150/yr
1.6¢/$
#7Bilt Palladium Card$495/yr
4.0¢/$
#8Capital One Venture Rewards Credit Card$95/yr
2.6¢/$
#9Fidelity Rewards Visa Signature CardNo fee
2.0¢/$
#10Citi Double Cash CardNo fee
2.0¢/$
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Open in full search with filters →Guides for this category
- Cash BackFlat-rate cash back versus category bonuses: a household spending comparisonA 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
- Welcome OffersHow credit card welcome offers work: 4 terms to check before you applyA welcome offer is worth its bonus minus the first-year fee, and only if you can meet the spend on purchases you already make. The 4 terms that decide it.
- Cash BackHow to choose a cash back card from your actual spendingA 3% card can earn less than a 2% card. Compare annual cash back on your real spending, apply caps and merchant rules, then subtract fees.