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best card for fashion to figure online

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
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Results from

$6,000

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1

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Online Shopping
2x × 1.9¢/pt = 3.1¢ per dollar

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.1¢
    per dollar on online shopping
    $395/yr($315 in credits)
    Annual rewards$188.70
    + Credits$315
    \u2212 Annual fee$395
    Net annual value$108.70
    Blue Cash Everyday Card from American Express
    2

    Blue Cash Everyday Card from American Express

    Amex

    3x Cashback on Online Shopping
    3x × 1.0¢/pt = 2.5¢ per dollar

    Why this card

    1. 1.3x on online shopping — points worth 1.0¢ each ($150/yr on $6,000 spend)

    No annual fee

    AMEX
    Core Rate
    2.5¢
    per dollar on online shopping
    No annual fee($60 in credits)
    Annual rewards$150
    + Credits$60
    Net annual value$210

    Bonus rate on first $6,000/annual, then base rate

    No image
    3

    The Platinum Card from American Express

    Amex

    1x Membership Rewards on Online Shopping
    1x × 1.8¢/pt = 1.5¢ per dollar

    Why this card

    1. 1.$150/yr Lululemon Credit
    2. 2.$78/yr Walmart+ Membership Credit

    $1,224.50 in credits fully offsets the $895 fee

    AMEX
    1.5¢
    per dollar on online shopping
    $895/yr($1,224.50 in credits)
    Annual rewards$91.80
    + Credits$1,224.50
    \u2212 Annual fee$895
    Net annual value$421.30
    U.S. Bank Cash+® Visa Signature® Card
    4

    U.S. Bank Cash+® Visa Signature® Card

    Usbank

    5% cash back on Online Shopping

    Why this card

    1. 1.5% cash back on online shopping ($150/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    2.5¢
    per dollar on online shopping
    No annual fee
    Annual rewards$150
    Net annual value$150

    Bonus rate on first $2,000/quarterly, then base rate

    Citi Strata Elite℠ Card
    5

    Citi Strata Elite℠ Card

    Citi

    1.5x ThankYou Points on Online Shopping
    1.5x × 1.5¢/pt = 1.9¢ per dollar

    Why this card

    1. 1.Travel and Shopping Protection

    $762.50 in credits fully offsets the $595 fee

    MASTERCARD
    1.9¢
    per dollar on online shopping
    $595/yr($762.50 in credits)
    Annual rewards$114.75
    + Credits$762.50
    \u2212 Annual fee$595
    Net annual value$282.25
    Capital One VentureOne Rewards Credit Card
    6

    Capital One VentureOne Rewards Credit Card

    Capital One

    1.25x Venture Miles on Online Shopping
    1.25x × 1.9¢/pt = 2.0¢ per dollar

    Why this card

      No annual fee

      MASTERCARD
      2.0¢
      per dollar on online shopping
      No annual fee
      Annual rewards$117.94
      Net annual value$117.94
      Bank of America® Unlimited Cash Rewards for Students
      7

      Bank of America® Unlimited Cash Rewards for Students

      Bank Of America

      2% cash back on Online Shopping

      Why this card

        No annual fee

        VISA
        1.7¢
        per dollar on online shopping
        No annual fee($8 in credits)
        Annual rewards$102
        + Credits$8
        Net annual value$110
        Chase Sapphire Reserve
        8

        Chase Sapphire Reserve

        Chase

        1x Ultimate Rewards on Online Shopping
        1x × 1.8¢/pt = 1.5¢ per dollar

        Why this card

          $968 in credits fully offsets the $795 fee

          VISA
          1.5¢
          per dollar on online shopping
          $795/yr($968 in credits)
          Annual rewards$91.80
          + Credits$968
          \u2212 Annual fee$795
          Net annual value$264.80
          Fidelity Rewards Visa Signature Card
          9

          Fidelity Rewards Visa Signature Card

          Elan Financial

          2% cash back on Online Shopping

          Why this card

            No annual fee

            VISA
            1.7¢
            per dollar on online shopping
            No annual fee($8 in credits)
            Annual rewards$102
            + Credits$8
            Net annual value$110
            No image
            10

            TD Double Up Credit Card

            Td Bank

            2% cash back on Online Shopping

            Why this card

              No annual fee

              VISA
              1.7¢
              per dollar on online shopping
              No annual fee($8 in credits)
              Annual rewards$102
              + Credits$8
              Net annual value$110
              Navy Federal Flagship Rewards® Card
              11

              Navy Federal Flagship Rewards® Card

              Navy Federal

              2x Navy Federal Nrewards on Online Shopping
              2x × 1.0¢/pt = 1.7¢ per dollar

              Why this card

                No annual fee

                VISA
                1.7¢
                per dollar on online shopping
                No annual fee($8 in credits)
                Annual rewards$102
                + Credits$8
                Net annual value$110
                U.S. Bank Smartly Visa Signature Card
                12

                U.S. Bank Smartly Visa Signature Card

                Usbank

                2% cash back on Online Shopping

                Why this card

                  No annual fee

                  VISA
                  1.7¢
                  per dollar on online shopping
                  No annual fee($8 in credits)
                  Annual rewards$102
                  + Credits$8
                  Net annual value$110
                  Wells Fargo Active Cash Card
                  13

                  Wells Fargo Active Cash Card

                  Wells Fargo

                  2% cash back on Online Shopping

                  Why this card

                    No annual fee

                    VISA
                    1.7¢
                    per dollar on online shopping
                    No annual fee($8 in credits)
                    Annual rewards$102
                    + Credits$8
                    Net annual value$110
                    No image
                    14

                    Verizon Visa Card

                    Synchrony

                    2% cash back on Online Shopping

                    Why this card

                      No annual fee

                      VISA
                      1.7¢
                      per dollar on online shopping
                      No annual fee($8 in credits)
                      Annual rewards$102
                      + Credits$8
                      Net annual value$110
                      Synchrony Premier Mastercard
                      15

                      Synchrony Premier Mastercard

                      Synchrony

                      2% cash back on Online Shopping

                      Why this card

                        No annual fee

                        MASTERCARD
                        1.7¢
                        per dollar on online shopping
                        No annual fee
                        Annual rewards$102
                        Net annual value$102
                        No image
                        16

                        One Key+ Card

                        Wells Fargo

                        2% cash back on Online Shopping

                        Why this card

                          No annual fee

                          MASTERCARD
                          1.7¢
                          per dollar on online shopping
                          No annual fee
                          Annual rewards$102
                          Net annual value$102
                          Bilt Blue Card
                          17

                          Bilt Blue Card

                          Cardless

                          1x Bilt Rewards on Online Shopping
                          1x × 2.0¢/pt = 1.7¢ per dollar

                          Why this card

                            No annual fee

                            MASTERCARD
                            1.7¢
                            per dollar on online shopping
                            No annual fee
                            Annual rewards$102
                            Net annual value$102
                            Bank of America Unlimited Cash Rewards Credit Card
                            18

                            Bank of America Unlimited Cash Rewards Credit Card

                            Bank Of America

                            2% cash back on Online Shopping

                            Why this card

                              No annual fee

                              VISA
                              1.7¢
                              per dollar on online shopping
                              No annual fee($8 in credits)
                              Annual rewards$102
                              + Credits$8
                              Net annual value$110
                              No image
                              19

                              SoFi Credit Card

                              Sofi

                              2% cash back on Online Shopping

                              Why this card

                                No annual fee

                                MASTERCARD
                                1.7¢
                                per dollar on online shopping
                                No annual fee
                                Annual rewards$102
                                Net annual value$102
                                No image
                                20

                                Jasper Cash Back Mastercard

                                Webbank

                                2% cash back on Online Shopping

                                Why this card

                                  No annual fee

                                  MASTERCARD
                                  1.7¢
                                  per dollar on online shopping
                                  No annual fee
                                  Annual rewards$102
                                  Net annual value$102
                                  Citi Double Cash Card
                                  21

                                  Citi Double Cash Card

                                  Citi

                                  2% cash back on Online Shopping

                                  Why this card

                                    No annual fee

                                    MASTERCARD
                                    1.7¢
                                    per dollar on online shopping
                                    No annual fee
                                    Annual rewards$102
                                    Net annual value$102
                                    No image
                                    22

                                    Bilt Palladium Card

                                    Cardless

                                    1x Bilt Rewards on Online Shopping
                                    1x × 2.0¢/pt = 1.7¢ per dollar

                                    Why this card

                                    1. 1.$100/yr $200 of Bilt Cash

                                    $200 in credits offset the $495 fee

                                    MASTERCARD
                                    1.7¢
                                    per dollar on online shopping
                                    $495/yr($200 in credits)
                                    Annual rewards$102
                                    + Credits$200
                                    \u2212 Annual fee$495
                                    Net annual value-$193
                                    Bilt Obsidian Card
                                    23

                                    Bilt Obsidian Card

                                    Cardless

                                    1x Bilt Rewards on Online Shopping
                                    1x × 2.0¢/pt = 1.7¢ per dollar
                                    MASTERCARD
                                    1.7¢
                                    per dollar on online shopping
                                    $95/yr
                                    Annual rewards$102
                                    \u2212 Annual fee$95
                                    Net annual value$7
                                    Rakuten American Express Card
                                    24

                                    Rakuten American Express Card

                                    First Electronic Bank

                                    1% cash back on Online Shopping

                                    Convertible Cash Back — 1.0–2.0¢/$

                                    This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                                    Why this card

                                    1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                                    No annual fee

                                    AMEX
                                    Convertible
                                    1.0–2.0¢
                                    per dollar on online shopping
                                    depending on redemption
                                    No annual fee
                                    Annual rewards$79.90
                                    Net annual value$79.90
                                    Chase Sapphire Preferred Card
                                    25

                                    Chase Sapphire Preferred Card

                                    Chase

                                    1x Ultimate Rewards on Online Shopping
                                    1x × 1.8¢/pt = 1.5¢ per dollar

                                    Why this card

                                      $93 in credits offset the $95 fee

                                      VISA
                                      1.5¢
                                      per dollar on online shopping
                                      $95/yr($93 in credits)
                                      Annual rewards$91.80
                                      + Credits$93
                                      \u2212 Annual fee$95
                                      Net annual value$89.80
                                      Bank of America® Customized Cash Rewards for Students
                                      26

                                      Bank of America® Customized Cash Rewards for Students

                                      Bank Of America

                                      3x points on Online Shopping

                                      Why this card

                                      1. 1.3x on online shopping ($90/yr on $6,000 spend)

                                      No annual fee

                                      VISA
                                      Core Rate
                                      1.5¢
                                      per dollar on online shopping
                                      No annual fee($8 in credits)
                                      Annual rewards$90
                                      + Credits$8
                                      Net annual value$98

                                      Bonus rate on first $2,500/quarterly, then base rate

                                      Bank of America Customized Cash Rewards Credit Card
                                      27

                                      Bank of America Customized Cash Rewards Credit Card

                                      Bank Of America

                                      3x Bank Of America Points on Online Shopping
                                      3x × 1.0¢/pt = 1.5¢ per dollar

                                      Why this card

                                      1. 1.3x on online shopping — points worth 1.0¢ each ($90/yr on $6,000 spend)

                                      No annual fee

                                      VISA
                                      Core Rate
                                      1.5¢
                                      per dollar on online shopping
                                      No annual fee($8 in credits)
                                      Annual rewards$90
                                      + Credits$8
                                      Net annual value$98

                                      Bonus rate on first $2,500/quarterly, then base rate

                                      Capital One Quicksilver Student Cash Rewards Credit Card
                                      28

                                      Capital One Quicksilver Student Cash Rewards Credit Card

                                      Capital One

                                      1.5% cash back on Online Shopping

                                      Why this card

                                        No annual fee

                                        MASTERCARD
                                        1.3¢
                                        per dollar on online shopping
                                        No annual fee($119.88 in credits)
                                        Annual rewards$76.50
                                        + Credits$119.88
                                        Net annual value$196.38
                                        Birch Lane Mastercard
                                        29

                                        Birch Lane Mastercard

                                        Citi

                                        2% cash back on Online Shopping

                                        Why this card

                                        1. 1.2% cash back on online shopping ($60/yr on $6,000 spend)
                                        2. 2.$40/yr $40 Off First Order
                                        3. 3.Free Shipping on Eligible Purchases

                                        No annual fee

                                        MASTERCARD
                                        Core Rate
                                        1.0¢
                                        per dollar on online shopping
                                        No annual fee
                                        Annual rewards$60
                                        Net annual value$60
                                        Citi Strata Premier Card
                                        30

                                        Citi Strata Premier Card

                                        Citi

                                        1x ThankYou Points on Online Shopping
                                        1x × 1.5¢/pt = 1.3¢ per dollar

                                        Why this card

                                        1. 1.$30/yr Instacart+ Savings

                                        $50 in credits offset the $95 fee

                                        MASTERCARD
                                        1.3¢
                                        per dollar on online shopping
                                        $95/yr($50 in credits)
                                        Annual rewards$76.50
                                        + Credits$50
                                        \u2212 Annual fee$95
                                        Net annual value$31.50

                                        Results from

                                        $6,000

                                        Scoring mode

                                        Options

                                        Point valuation

                                        Booking

                                        Rewards

                                        Programs

                                        Networks

                                        Refine results

                                        No annual fee only?

                                        Avoid Amex network?

                                        Already have a premium card?

                                        Resolved as:Online Shopping
                                        Merchant: Fashion to Figure
                                        +1 more
                                        Cached
                                        70%
                                        Not right? Try:
                                        52 matches2613ms
                                        No image
                                        1

                                        Capital One Venture X Rewards Credit Card

                                        Capital One

                                        2x Venture Miles on Online Shopping
                                        2x × 1.9¢/pt = 3.1¢ per dollar

                                        Why this card

                                          $315 in credits offset the $395 fee

                                          VISA
                                          3.1¢
                                          per dollar on online shopping
                                          $395/yr($315 in credits)
                                          Annual rewards$188.70
                                          + Credits$315
                                          \u2212 Annual fee$395
                                          Net annual value$108.70
                                          Blue Cash Everyday Card from American Express
                                          2

                                          Blue Cash Everyday Card from American Express

                                          Amex

                                          3x Cashback on Online Shopping
                                          3x × 1.0¢/pt = 2.5¢ per dollar

                                          Why this card

                                          1. 1.3x on online shopping — points worth 1.0¢ each ($150/yr on $6,000 spend)

                                          No annual fee

                                          AMEX
                                          Core Rate
                                          2.5¢
                                          per dollar on online shopping
                                          No annual fee($60 in credits)
                                          Annual rewards$150
                                          + Credits$60
                                          Net annual value$210

                                          Bonus rate on first $6,000/annual, then base rate

                                          No image
                                          3

                                          The Platinum Card from American Express

                                          Amex

                                          1x Membership Rewards on Online Shopping
                                          1x × 1.8¢/pt = 1.5¢ per dollar

                                          Why this card

                                          1. 1.$150/yr Lululemon Credit
                                          2. 2.$78/yr Walmart+ Membership Credit

                                          $1,224.50 in credits fully offsets the $895 fee

                                          AMEX
                                          1.5¢
                                          per dollar on online shopping
                                          $895/yr($1,224.50 in credits)
                                          Annual rewards$91.80
                                          + Credits$1,224.50
                                          \u2212 Annual fee$895
                                          Net annual value$421.30
                                          U.S. Bank Cash+® Visa Signature® Card
                                          4

                                          U.S. Bank Cash+® Visa Signature® Card

                                          Usbank

                                          5% cash back on Online Shopping

                                          Why this card

                                          1. 1.5% cash back on online shopping ($150/yr on $6,000 spend)

                                          No annual fee

                                          VISA
                                          Core Rate
                                          2.5¢
                                          per dollar on online shopping
                                          No annual fee
                                          Annual rewards$150
                                          Net annual value$150

                                          Bonus rate on first $2,000/quarterly, then base rate

                                          Citi Strata Elite℠ Card
                                          5

                                          Citi Strata Elite℠ Card

                                          Citi

                                          1.5x ThankYou Points on Online Shopping
                                          1.5x × 1.5¢/pt = 1.9¢ per dollar

                                          Why this card

                                          1. 1.Travel and Shopping Protection

                                          $762.50 in credits fully offsets the $595 fee

                                          MASTERCARD
                                          1.9¢
                                          per dollar on online shopping
                                          $595/yr($762.50 in credits)
                                          Annual rewards$114.75
                                          + Credits$762.50
                                          \u2212 Annual fee$595
                                          Net annual value$282.25
                                          Capital One VentureOne Rewards Credit Card
                                          6

                                          Capital One VentureOne Rewards Credit Card

                                          Capital One

                                          1.25x Venture Miles on Online Shopping
                                          1.25x × 1.9¢/pt = 2.0¢ per dollar

                                          Why this card

                                            No annual fee

                                            MASTERCARD
                                            2.0¢
                                            per dollar on online shopping
                                            No annual fee
                                            Annual rewards$117.94
                                            Net annual value$117.94
                                            Bank of America® Unlimited Cash Rewards for Students
                                            7

                                            Bank of America® Unlimited Cash Rewards for Students

                                            Bank Of America

                                            2% cash back on Online Shopping

                                            Why this card

                                              No annual fee

                                              VISA
                                              1.7¢
                                              per dollar on online shopping
                                              No annual fee($8 in credits)
                                              Annual rewards$102
                                              + Credits$8
                                              Net annual value$110
                                              Chase Sapphire Reserve
                                              8

                                              Chase Sapphire Reserve

                                              Chase

                                              1x Ultimate Rewards on Online Shopping
                                              1x × 1.8¢/pt = 1.5¢ per dollar

                                              Why this card

                                                $968 in credits fully offsets the $795 fee

                                                VISA
                                                1.5¢
                                                per dollar on online shopping
                                                $795/yr($968 in credits)
                                                Annual rewards$91.80
                                                + Credits$968
                                                \u2212 Annual fee$795
                                                Net annual value$264.80
                                                Fidelity Rewards Visa Signature Card
                                                9

                                                Fidelity Rewards Visa Signature Card

                                                Elan Financial

                                                2% cash back on Online Shopping

                                                Why this card

                                                  No annual fee

                                                  VISA
                                                  1.7¢
                                                  per dollar on online shopping
                                                  No annual fee($8 in credits)
                                                  Annual rewards$102
                                                  + Credits$8
                                                  Net annual value$110
                                                  No image
                                                  10

                                                  TD Double Up Credit Card

                                                  Td Bank

                                                  2% cash back on Online Shopping

                                                  Why this card

                                                    No annual fee

                                                    VISA
                                                    1.7¢
                                                    per dollar on online shopping
                                                    No annual fee($8 in credits)
                                                    Annual rewards$102
                                                    + Credits$8
                                                    Net annual value$110
                                                    Navy Federal Flagship Rewards® Card
                                                    11

                                                    Navy Federal Flagship Rewards® Card

                                                    Navy Federal

                                                    2x Navy Federal Nrewards on Online Shopping
                                                    2x × 1.0¢/pt = 1.7¢ per dollar

                                                    Why this card

                                                      No annual fee

                                                      VISA
                                                      1.7¢
                                                      per dollar on online shopping
                                                      No annual fee($8 in credits)
                                                      Annual rewards$102
                                                      + Credits$8
                                                      Net annual value$110
                                                      U.S. Bank Smartly Visa Signature Card
                                                      12

                                                      U.S. Bank Smartly Visa Signature Card

                                                      Usbank

                                                      2% cash back on Online Shopping

                                                      Why this card

                                                        No annual fee

                                                        VISA
                                                        1.7¢
                                                        per dollar on online shopping
                                                        No annual fee($8 in credits)
                                                        Annual rewards$102
                                                        + Credits$8
                                                        Net annual value$110
                                                        Wells Fargo Active Cash Card
                                                        13

                                                        Wells Fargo Active Cash Card

                                                        Wells Fargo

                                                        2% cash back on Online Shopping

                                                        Why this card

                                                          No annual fee

                                                          VISA
                                                          1.7¢
                                                          per dollar on online shopping
                                                          No annual fee($8 in credits)
                                                          Annual rewards$102
                                                          + Credits$8
                                                          Net annual value$110
                                                          No image
                                                          14

                                                          Verizon Visa Card

                                                          Synchrony

                                                          2% cash back on Online Shopping

                                                          Why this card

                                                            No annual fee

                                                            VISA
                                                            1.7¢
                                                            per dollar on online shopping
                                                            No annual fee($8 in credits)
                                                            Annual rewards$102
                                                            + Credits$8
                                                            Net annual value$110
                                                            Synchrony Premier Mastercard
                                                            15

                                                            Synchrony Premier Mastercard

                                                            Synchrony

                                                            2% cash back on Online Shopping

                                                            Why this card

                                                              No annual fee

                                                              MASTERCARD
                                                              1.7¢
                                                              per dollar on online shopping
                                                              No annual fee
                                                              Annual rewards$102
                                                              Net annual value$102
                                                              No image
                                                              16

                                                              One Key+ Card

                                                              Wells Fargo

                                                              2% cash back on Online Shopping

                                                              Why this card

                                                                No annual fee

                                                                MASTERCARD
                                                                1.7¢
                                                                per dollar on online shopping
                                                                No annual fee
                                                                Annual rewards$102
                                                                Net annual value$102
                                                                Bilt Blue Card
                                                                17

                                                                Bilt Blue Card

                                                                Cardless

                                                                1x Bilt Rewards on Online Shopping
                                                                1x × 2.0¢/pt = 1.7¢ per dollar

                                                                Why this card

                                                                  No annual fee

                                                                  MASTERCARD
                                                                  1.7¢
                                                                  per dollar on online shopping
                                                                  No annual fee
                                                                  Annual rewards$102
                                                                  Net annual value$102
                                                                  Bank of America Unlimited Cash Rewards Credit Card
                                                                  18

                                                                  Bank of America Unlimited Cash Rewards Credit Card

                                                                  Bank Of America

                                                                  2% cash back on Online Shopping

                                                                  Why this card

                                                                    No annual fee

                                                                    VISA
                                                                    1.7¢
                                                                    per dollar on online shopping
                                                                    No annual fee($8 in credits)
                                                                    Annual rewards$102
                                                                    + Credits$8
                                                                    Net annual value$110
                                                                    No image
                                                                    19

                                                                    SoFi Credit Card

                                                                    Sofi

                                                                    2% cash back on Online Shopping

                                                                    Why this card

                                                                      No annual fee

                                                                      MASTERCARD
                                                                      1.7¢
                                                                      per dollar on online shopping
                                                                      No annual fee
                                                                      Annual rewards$102
                                                                      Net annual value$102
                                                                      No image
                                                                      20

                                                                      Jasper Cash Back Mastercard

                                                                      Webbank

                                                                      2% cash back on Online Shopping

                                                                      Why this card

                                                                        No annual fee

                                                                        MASTERCARD
                                                                        1.7¢
                                                                        per dollar on online shopping
                                                                        No annual fee
                                                                        Annual rewards$102
                                                                        Net annual value$102
                                                                        Citi Double Cash Card
                                                                        21

                                                                        Citi Double Cash Card

                                                                        Citi

                                                                        2% cash back on Online Shopping

                                                                        Why this card

                                                                          No annual fee

                                                                          MASTERCARD
                                                                          1.7¢
                                                                          per dollar on online shopping
                                                                          No annual fee
                                                                          Annual rewards$102
                                                                          Net annual value$102
                                                                          No image
                                                                          22

                                                                          Bilt Palladium Card

                                                                          Cardless

                                                                          1x Bilt Rewards on Online Shopping
                                                                          1x × 2.0¢/pt = 1.7¢ per dollar

                                                                          Why this card

                                                                          1. 1.$100/yr $200 of Bilt Cash

                                                                          $200 in credits offset the $495 fee

                                                                          MASTERCARD
                                                                          1.7¢
                                                                          per dollar on online shopping
                                                                          $495/yr($200 in credits)
                                                                          Annual rewards$102
                                                                          + Credits$200
                                                                          \u2212 Annual fee$495
                                                                          Net annual value-$193
                                                                          Bilt Obsidian Card
                                                                          23

                                                                          Bilt Obsidian Card

                                                                          Cardless

                                                                          1x Bilt Rewards on Online Shopping
                                                                          1x × 2.0¢/pt = 1.7¢ per dollar
                                                                          MASTERCARD
                                                                          1.7¢
                                                                          per dollar on online shopping
                                                                          $95/yr
                                                                          Annual rewards$102
                                                                          \u2212 Annual fee$95
                                                                          Net annual value$7
                                                                          Rakuten American Express Card
                                                                          24

                                                                          Rakuten American Express Card

                                                                          First Electronic Bank

                                                                          1% cash back on Online Shopping

                                                                          Convertible Cash Back — 1.0–2.0¢/$

                                                                          This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                                                                          Why this card

                                                                          1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                                                                          No annual fee

                                                                          AMEX
                                                                          Convertible
                                                                          1.0–2.0¢
                                                                          per dollar on online shopping
                                                                          depending on redemption
                                                                          No annual fee
                                                                          Annual rewards$79.90
                                                                          Net annual value$79.90
                                                                          Chase Sapphire Preferred Card
                                                                          25

                                                                          Chase Sapphire Preferred Card

                                                                          Chase

                                                                          1x Ultimate Rewards on Online Shopping
                                                                          1x × 1.8¢/pt = 1.5¢ per dollar

                                                                          Why this card

                                                                            $93 in credits offset the $95 fee

                                                                            VISA
                                                                            1.5¢
                                                                            per dollar on online shopping
                                                                            $95/yr($93 in credits)
                                                                            Annual rewards$91.80
                                                                            + Credits$93
                                                                            \u2212 Annual fee$95
                                                                            Net annual value$89.80
                                                                            Bank of America® Customized Cash Rewards for Students
                                                                            26

                                                                            Bank of America® Customized Cash Rewards for Students

                                                                            Bank Of America

                                                                            3x points on Online Shopping

                                                                            Why this card

                                                                            1. 1.3x on online shopping ($90/yr on $6,000 spend)

                                                                            No annual fee

                                                                            VISA
                                                                            Core Rate
                                                                            1.5¢
                                                                            per dollar on online shopping
                                                                            No annual fee($8 in credits)
                                                                            Annual rewards$90
                                                                            + Credits$8
                                                                            Net annual value$98

                                                                            Bonus rate on first $2,500/quarterly, then base rate

                                                                            Bank of America Customized Cash Rewards Credit Card
                                                                            27

                                                                            Bank of America Customized Cash Rewards Credit Card

                                                                            Bank Of America

                                                                            3x Bank Of America Points on Online Shopping
                                                                            3x × 1.0¢/pt = 1.5¢ per dollar

                                                                            Why this card

                                                                            1. 1.3x on online shopping — points worth 1.0¢ each ($90/yr on $6,000 spend)

                                                                            No annual fee

                                                                            VISA
                                                                            Core Rate
                                                                            1.5¢
                                                                            per dollar on online shopping
                                                                            No annual fee($8 in credits)
                                                                            Annual rewards$90
                                                                            + Credits$8
                                                                            Net annual value$98

                                                                            Bonus rate on first $2,500/quarterly, then base rate

                                                                            Capital One Quicksilver Student Cash Rewards Credit Card
                                                                            28

                                                                            Capital One Quicksilver Student Cash Rewards Credit Card

                                                                            Capital One

                                                                            1.5% cash back on Online Shopping

                                                                            Why this card

                                                                              No annual fee

                                                                              MASTERCARD
                                                                              1.3¢
                                                                              per dollar on online shopping
                                                                              No annual fee($119.88 in credits)
                                                                              Annual rewards$76.50
                                                                              + Credits$119.88
                                                                              Net annual value$196.38
                                                                              Birch Lane Mastercard
                                                                              29

                                                                              Birch Lane Mastercard

                                                                              Citi

                                                                              2% cash back on Online Shopping

                                                                              Why this card

                                                                              1. 1.2% cash back on online shopping ($60/yr on $6,000 spend)
                                                                              2. 2.$40/yr $40 Off First Order
                                                                              3. 3.Free Shipping on Eligible Purchases

                                                                              No annual fee

                                                                              MASTERCARD
                                                                              Core Rate
                                                                              1.0¢
                                                                              per dollar on online shopping
                                                                              No annual fee
                                                                              Annual rewards$60
                                                                              Net annual value$60
                                                                              Citi Strata Premier Card
                                                                              30

                                                                              Citi Strata Premier Card

                                                                              Citi

                                                                              1x ThankYou Points on Online Shopping
                                                                              1x × 1.5¢/pt = 1.3¢ per dollar

                                                                              Why this card

                                                                              1. 1.$30/yr Instacart+ Savings

                                                                              $50 in credits offset the $95 fee

                                                                              MASTERCARD
                                                                              1.3¢
                                                                              per dollar on online shopping
                                                                              $95/yr($50 in credits)
                                                                              Annual rewards$76.50
                                                                              + Credits$50
                                                                              \u2212 Annual fee$95
                                                                              Net annual value$31.50

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                                                                              1

                                                                              Capital One Venture X Rewards Credit Card

                                                                              Capital One

                                                                              2x Venture Miles on Online Shopping
                                                                              2x × 1.9¢/pt = 3.1¢ per dollar

                                                                              Why this card

                                                                                $315 in credits offset the $395 fee

                                                                                VISA
                                                                                3.1¢
                                                                                per dollar on online shopping
                                                                                $395/yr($315 in credits)
                                                                                Annual rewards$188.70
                                                                                + Credits$315
                                                                                \u2212 Annual fee$395
                                                                                Net annual value$108.70
                                                                                Blue Cash Everyday Card from American Express
                                                                                2

                                                                                Blue Cash Everyday Card from American Express

                                                                                Amex

                                                                                3x Cashback on Online Shopping
                                                                                3x × 1.0¢/pt = 2.5¢ per dollar

                                                                                Why this card

                                                                                1. 1.3x on online shopping — points worth 1.0¢ each ($150/yr on $6,000 spend)

                                                                                No annual fee

                                                                                AMEX
                                                                                Core Rate
                                                                                2.5¢
                                                                                per dollar on online shopping
                                                                                No annual fee($60 in credits)
                                                                                Annual rewards$150
                                                                                + Credits$60
                                                                                Net annual value$210

                                                                                Bonus rate on first $6,000/annual, then base rate

                                                                                No image
                                                                                3

                                                                                The Platinum Card from American Express

                                                                                Amex

                                                                                1x Membership Rewards on Online Shopping
                                                                                1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                Why this card

                                                                                1. 1.$150/yr Lululemon Credit
                                                                                2. 2.$78/yr Walmart+ Membership Credit

                                                                                $1,224.50 in credits fully offsets the $895 fee

                                                                                AMEX
                                                                                1.5¢
                                                                                per dollar on online shopping
                                                                                $895/yr($1,224.50 in credits)
                                                                                Annual rewards$91.80
                                                                                + Credits$1,224.50
                                                                                \u2212 Annual fee$895
                                                                                Net annual value$421.30
                                                                                U.S. Bank Cash+® Visa Signature® Card
                                                                                4

                                                                                U.S. Bank Cash+® Visa Signature® Card

                                                                                Usbank

                                                                                5% cash back on Online Shopping

                                                                                Why this card

                                                                                1. 1.5% cash back on online shopping ($150/yr on $6,000 spend)

                                                                                No annual fee

                                                                                VISA
                                                                                Core Rate
                                                                                2.5¢
                                                                                per dollar on online shopping
                                                                                No annual fee
                                                                                Annual rewards$150
                                                                                Net annual value$150

                                                                                Bonus rate on first $2,000/quarterly, then base rate

                                                                                Citi Strata Elite℠ Card
                                                                                5

                                                                                Citi Strata Elite℠ Card

                                                                                Citi

                                                                                1.5x ThankYou Points on Online Shopping
                                                                                1.5x × 1.5¢/pt = 1.9¢ per dollar

                                                                                Why this card

                                                                                1. 1.Travel and Shopping Protection

                                                                                $762.50 in credits fully offsets the $595 fee

                                                                                MASTERCARD
                                                                                1.9¢
                                                                                per dollar on online shopping
                                                                                $595/yr($762.50 in credits)
                                                                                Annual rewards$114.75
                                                                                + Credits$762.50
                                                                                \u2212 Annual fee$595
                                                                                Net annual value$282.25
                                                                                Capital One VentureOne Rewards Credit Card
                                                                                6

                                                                                Capital One VentureOne Rewards Credit Card

                                                                                Capital One

                                                                                1.25x Venture Miles on Online Shopping
                                                                                1.25x × 1.9¢/pt = 2.0¢ per dollar

                                                                                Why this card

                                                                                  No annual fee

                                                                                  MASTERCARD
                                                                                  2.0¢
                                                                                  per dollar on online shopping
                                                                                  No annual fee
                                                                                  Annual rewards$117.94
                                                                                  Net annual value$117.94
                                                                                  Bank of America® Unlimited Cash Rewards for Students
                                                                                  7

                                                                                  Bank of America® Unlimited Cash Rewards for Students

                                                                                  Bank Of America

                                                                                  2% cash back on Online Shopping

                                                                                  Why this card

                                                                                    No annual fee

                                                                                    VISA
                                                                                    1.7¢
                                                                                    per dollar on online shopping
                                                                                    No annual fee($8 in credits)
                                                                                    Annual rewards$102
                                                                                    + Credits$8
                                                                                    Net annual value$110
                                                                                    Chase Sapphire Reserve
                                                                                    8

                                                                                    Chase Sapphire Reserve

                                                                                    Chase

                                                                                    1x Ultimate Rewards on Online Shopping
                                                                                    1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                    Why this card

                                                                                      $968 in credits fully offsets the $795 fee

                                                                                      VISA
                                                                                      1.5¢
                                                                                      per dollar on online shopping
                                                                                      $795/yr($968 in credits)
                                                                                      Annual rewards$91.80
                                                                                      + Credits$968
                                                                                      \u2212 Annual fee$795
                                                                                      Net annual value$264.80
                                                                                      Fidelity Rewards Visa Signature Card
                                                                                      9

                                                                                      Fidelity Rewards Visa Signature Card

                                                                                      Elan Financial

                                                                                      2% cash back on Online Shopping

                                                                                      Why this card

                                                                                        No annual fee

                                                                                        VISA
                                                                                        1.7¢
                                                                                        per dollar on online shopping
                                                                                        No annual fee($8 in credits)
                                                                                        Annual rewards$102
                                                                                        + Credits$8
                                                                                        Net annual value$110
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                                                                                        10

                                                                                        TD Double Up Credit Card

                                                                                        Td Bank

                                                                                        2% cash back on Online Shopping

                                                                                        Why this card

                                                                                          No annual fee

                                                                                          VISA
                                                                                          1.7¢
                                                                                          per dollar on online shopping
                                                                                          No annual fee($8 in credits)
                                                                                          Annual rewards$102
                                                                                          + Credits$8
                                                                                          Net annual value$110
                                                                                          Navy Federal Flagship Rewards® Card
                                                                                          11

                                                                                          Navy Federal Flagship Rewards® Card

                                                                                          Navy Federal

                                                                                          2x Navy Federal Nrewards on Online Shopping
                                                                                          2x × 1.0¢/pt = 1.7¢ per dollar

                                                                                          Why this card

                                                                                            No annual fee

                                                                                            VISA
                                                                                            1.7¢
                                                                                            per dollar on online shopping
                                                                                            No annual fee($8 in credits)
                                                                                            Annual rewards$102
                                                                                            + Credits$8
                                                                                            Net annual value$110
                                                                                            U.S. Bank Smartly Visa Signature Card
                                                                                            12

                                                                                            U.S. Bank Smartly Visa Signature Card

                                                                                            Usbank

                                                                                            2% cash back on Online Shopping

                                                                                            Why this card

                                                                                              No annual fee

                                                                                              VISA
                                                                                              1.7¢
                                                                                              per dollar on online shopping
                                                                                              No annual fee($8 in credits)
                                                                                              Annual rewards$102
                                                                                              + Credits$8
                                                                                              Net annual value$110
                                                                                              Wells Fargo Active Cash Card
                                                                                              13

                                                                                              Wells Fargo Active Cash Card

                                                                                              Wells Fargo

                                                                                              2% cash back on Online Shopping

                                                                                              Why this card

                                                                                                No annual fee

                                                                                                VISA
                                                                                                1.7¢
                                                                                                per dollar on online shopping
                                                                                                No annual fee($8 in credits)
                                                                                                Annual rewards$102
                                                                                                + Credits$8
                                                                                                Net annual value$110
                                                                                                No image
                                                                                                14

                                                                                                Verizon Visa Card

                                                                                                Synchrony

                                                                                                2% cash back on Online Shopping

                                                                                                Why this card

                                                                                                  No annual fee

                                                                                                  VISA
                                                                                                  1.7¢
                                                                                                  per dollar on online shopping
                                                                                                  No annual fee($8 in credits)
                                                                                                  Annual rewards$102
                                                                                                  + Credits$8
                                                                                                  Net annual value$110
                                                                                                  Synchrony Premier Mastercard
                                                                                                  15

                                                                                                  Synchrony Premier Mastercard

                                                                                                  Synchrony

                                                                                                  2% cash back on Online Shopping

                                                                                                  Why this card

                                                                                                    No annual fee

                                                                                                    MASTERCARD
                                                                                                    1.7¢
                                                                                                    per dollar on online shopping
                                                                                                    No annual fee
                                                                                                    Annual rewards$102
                                                                                                    Net annual value$102
                                                                                                    No image
                                                                                                    16

                                                                                                    One Key+ Card

                                                                                                    Wells Fargo

                                                                                                    2% cash back on Online Shopping

                                                                                                    Why this card

                                                                                                      No annual fee

                                                                                                      MASTERCARD
                                                                                                      1.7¢
                                                                                                      per dollar on online shopping
                                                                                                      No annual fee
                                                                                                      Annual rewards$102
                                                                                                      Net annual value$102
                                                                                                      Bilt Blue Card
                                                                                                      17

                                                                                                      Bilt Blue Card

                                                                                                      Cardless

                                                                                                      1x Bilt Rewards on Online Shopping
                                                                                                      1x × 2.0¢/pt = 1.7¢ per dollar

                                                                                                      Why this card

                                                                                                        No annual fee

                                                                                                        MASTERCARD
                                                                                                        1.7¢
                                                                                                        per dollar on online shopping
                                                                                                        No annual fee
                                                                                                        Annual rewards$102
                                                                                                        Net annual value$102
                                                                                                        Bank of America Unlimited Cash Rewards Credit Card
                                                                                                        18

                                                                                                        Bank of America Unlimited Cash Rewards Credit Card

                                                                                                        Bank Of America

                                                                                                        2% cash back on Online Shopping

                                                                                                        Why this card

                                                                                                          No annual fee

                                                                                                          VISA
                                                                                                          1.7¢
                                                                                                          per dollar on online shopping
                                                                                                          No annual fee($8 in credits)
                                                                                                          Annual rewards$102
                                                                                                          + Credits$8
                                                                                                          Net annual value$110
                                                                                                          No image
                                                                                                          19

                                                                                                          SoFi Credit Card

                                                                                                          Sofi

                                                                                                          2% cash back on Online Shopping

                                                                                                          Why this card

                                                                                                            No annual fee

                                                                                                            MASTERCARD
                                                                                                            1.7¢
                                                                                                            per dollar on online shopping
                                                                                                            No annual fee
                                                                                                            Annual rewards$102
                                                                                                            Net annual value$102
                                                                                                            No image
                                                                                                            20

                                                                                                            Jasper Cash Back Mastercard

                                                                                                            Webbank

                                                                                                            2% cash back on Online Shopping

                                                                                                            Why this card

                                                                                                              No annual fee

                                                                                                              MASTERCARD
                                                                                                              1.7¢
                                                                                                              per dollar on online shopping
                                                                                                              No annual fee
                                                                                                              Annual rewards$102
                                                                                                              Net annual value$102
                                                                                                              Citi Double Cash Card
                                                                                                              21

                                                                                                              Citi Double Cash Card

                                                                                                              Citi

                                                                                                              2% cash back on Online Shopping

                                                                                                              Why this card

                                                                                                                No annual fee

                                                                                                                MASTERCARD
                                                                                                                1.7¢
                                                                                                                per dollar on online shopping
                                                                                                                No annual fee
                                                                                                                Annual rewards$102
                                                                                                                Net annual value$102
                                                                                                                No image
                                                                                                                22

                                                                                                                Bilt Palladium Card

                                                                                                                Cardless

                                                                                                                1x Bilt Rewards on Online Shopping
                                                                                                                1x × 2.0¢/pt = 1.7¢ per dollar

                                                                                                                Why this card

                                                                                                                1. 1.$100/yr $200 of Bilt Cash

                                                                                                                $200 in credits offset the $495 fee

                                                                                                                MASTERCARD
                                                                                                                1.7¢
                                                                                                                per dollar on online shopping
                                                                                                                $495/yr($200 in credits)
                                                                                                                Annual rewards$102
                                                                                                                + Credits$200
                                                                                                                \u2212 Annual fee$495
                                                                                                                Net annual value-$193
                                                                                                                Bilt Obsidian Card
                                                                                                                23

                                                                                                                Bilt Obsidian Card

                                                                                                                Cardless

                                                                                                                1x Bilt Rewards on Online Shopping
                                                                                                                1x × 2.0¢/pt = 1.7¢ per dollar
                                                                                                                MASTERCARD
                                                                                                                1.7¢
                                                                                                                per dollar on online shopping
                                                                                                                $95/yr
                                                                                                                Annual rewards$102
                                                                                                                \u2212 Annual fee$95
                                                                                                                Net annual value$7
                                                                                                                Rakuten American Express Card
                                                                                                                24

                                                                                                                Rakuten American Express Card

                                                                                                                First Electronic Bank

                                                                                                                1% cash back on Online Shopping

                                                                                                                Convertible Cash Back — 1.0–2.0¢/$

                                                                                                                This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                                                                                                                Why this card

                                                                                                                1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                                                                                                                No annual fee

                                                                                                                AMEX
                                                                                                                Convertible
                                                                                                                1.0–2.0¢
                                                                                                                per dollar on online shopping
                                                                                                                depending on redemption
                                                                                                                No annual fee
                                                                                                                Annual rewards$79.90
                                                                                                                Net annual value$79.90
                                                                                                                Chase Sapphire Preferred Card
                                                                                                                25

                                                                                                                Chase Sapphire Preferred Card

                                                                                                                Chase

                                                                                                                1x Ultimate Rewards on Online Shopping
                                                                                                                1x × 1.8¢/pt = 1.5¢ per dollar

                                                                                                                Why this card

                                                                                                                  $93 in credits offset the $95 fee

                                                                                                                  VISA
                                                                                                                  1.5¢
                                                                                                                  per dollar on online shopping
                                                                                                                  $95/yr($93 in credits)
                                                                                                                  Annual rewards$91.80
                                                                                                                  + Credits$93
                                                                                                                  \u2212 Annual fee$95
                                                                                                                  Net annual value$89.80
                                                                                                                  Bank of America® Customized Cash Rewards for Students
                                                                                                                  26

                                                                                                                  Bank of America® Customized Cash Rewards for Students

                                                                                                                  Bank Of America

                                                                                                                  3x points on Online Shopping

                                                                                                                  Why this card

                                                                                                                  1. 1.3x on online shopping ($90/yr on $6,000 spend)

                                                                                                                  No annual fee

                                                                                                                  VISA
                                                                                                                  Core Rate
                                                                                                                  1.5¢
                                                                                                                  per dollar on online shopping
                                                                                                                  No annual fee($8 in credits)
                                                                                                                  Annual rewards$90
                                                                                                                  + Credits$8
                                                                                                                  Net annual value$98

                                                                                                                  Bonus rate on first $2,500/quarterly, then base rate

                                                                                                                  Bank of America Customized Cash Rewards Credit Card
                                                                                                                  27

                                                                                                                  Bank of America Customized Cash Rewards Credit Card

                                                                                                                  Bank Of America

                                                                                                                  3x Bank Of America Points on Online Shopping
                                                                                                                  3x × 1.0¢/pt = 1.5¢ per dollar

                                                                                                                  Why this card

                                                                                                                  1. 1.3x on online shopping — points worth 1.0¢ each ($90/yr on $6,000 spend)

                                                                                                                  No annual fee

                                                                                                                  VISA
                                                                                                                  Core Rate
                                                                                                                  1.5¢
                                                                                                                  per dollar on online shopping
                                                                                                                  No annual fee($8 in credits)
                                                                                                                  Annual rewards$90
                                                                                                                  + Credits$8
                                                                                                                  Net annual value$98

                                                                                                                  Bonus rate on first $2,500/quarterly, then base rate

                                                                                                                  Capital One Quicksilver Student Cash Rewards Credit Card
                                                                                                                  28

                                                                                                                  Capital One Quicksilver Student Cash Rewards Credit Card

                                                                                                                  Capital One

                                                                                                                  1.5% cash back on Online Shopping

                                                                                                                  Why this card

                                                                                                                    No annual fee

                                                                                                                    MASTERCARD
                                                                                                                    1.3¢
                                                                                                                    per dollar on online shopping
                                                                                                                    No annual fee($119.88 in credits)
                                                                                                                    Annual rewards$76.50
                                                                                                                    + Credits$119.88
                                                                                                                    Net annual value$196.38
                                                                                                                    Birch Lane Mastercard
                                                                                                                    29

                                                                                                                    Birch Lane Mastercard

                                                                                                                    Citi

                                                                                                                    2% cash back on Online Shopping

                                                                                                                    Why this card

                                                                                                                    1. 1.2% cash back on online shopping ($60/yr on $6,000 spend)
                                                                                                                    2. 2.$40/yr $40 Off First Order
                                                                                                                    3. 3.Free Shipping on Eligible Purchases

                                                                                                                    No annual fee

                                                                                                                    MASTERCARD
                                                                                                                    Core Rate
                                                                                                                    1.0¢
                                                                                                                    per dollar on online shopping
                                                                                                                    No annual fee
                                                                                                                    Annual rewards$60
                                                                                                                    Net annual value$60
                                                                                                                    Citi Strata Premier Card
                                                                                                                    30

                                                                                                                    Citi Strata Premier Card

                                                                                                                    Citi

                                                                                                                    1x ThankYou Points on Online Shopping
                                                                                                                    1x × 1.5¢/pt = 1.3¢ per dollar

                                                                                                                    Why this card

                                                                                                                    1. 1.$30/yr Instacart+ Savings

                                                                                                                    $50 in credits offset the $95 fee

                                                                                                                    MASTERCARD
                                                                                                                    1.3¢
                                                                                                                    per dollar on online shopping
                                                                                                                    $95/yr($50 in credits)
                                                                                                                    Annual rewards$76.50
                                                                                                                    + Credits$50
                                                                                                                    \u2212 Annual fee$95
                                                                                                                    Net annual value$31.50