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© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy
online shopping no foreign transaction fee

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
  • Cookie Policy

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+1 more
Cached
70%
Scores include 1% Rakuten Shopping portal stacking on all cards
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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
    No image
    2

    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 has limited international acceptance — carry a Visa/Mastercard backup

    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
    Bank of America® Unlimited Cash Rewards for Students
    3

    Bank of America® Unlimited Cash Rewards for Students

    Bank Of America

    2% cash back on Online Shopping

    Why this card

    1. 1.$200/yr $200 Cash Rewards Bonus
    2. 2.$150/yr 0% Intro APR for 15 Billing Cycles

    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
    Rakuten American Express Card
    4

    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.Amex Offers
    2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value
    3. 3.2% via Rakuten Shopping (1% portal + 1% card bonus)

    No annual fee

    Amex has limited international acceptance — carry a Visa/Mastercard backup

    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
    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.$357/yr Citigold® Private Client Relationship Credit
    2. 2.$150/yr Up to $200 Annual Splurge Credit℠
    3. 3.$100/yr Up to $200 Annual Blacklane® Credit
    4. 4.Travel and Shopping Protection

    $165 in credits offset the $595 fee

    MASTERCARD
    1.9¢
    per dollar on online shopping
    $595/yr($165 in credits)
    Annual rewards$114.75
    + Credits$165
    \u2212 Annual fee$595
    Net annual value-$315.25
    Bilt Blue Card
    6

    Bilt Blue Card

    Cardless

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

    Why this card

    1. 1.$50/yr 10% Intro APR for 12 Months

    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
    7

    Bank of America Unlimited Cash Rewards Credit Card

    Bank Of America

    2% cash back on Online Shopping

    Why this card

    1. 1.$40/yr 0% Intro APR for 15 Months
    2. 2.$30/yr Balance Transfer Capability with Low Intro Fee

    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
    Capital One VentureOne Rewards Credit Card
    8

    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
      Susan G. Komen® Customized Cash Rewards
      9

      Susan G. Komen® Customized Cash Rewards

      Bank Of America

      3x points on Online Shopping

      Why this card

      1. 1.3x on online shopping ($90/yr on $6,000 spend)
      2. 2.$100/yr 0% Intro APR for 15 Billing Cycles

      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

      U.S. Bank Smartly Visa Signature Card
      10

      U.S. Bank Smartly Visa Signature Card

      Usbank

      2% cash back on Online Shopping

      Why this card

      1. 1.$25/yr Flexible redemption

      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
      11

      Firstcard Secured Credit Builder Card

      Firstcard

      1.5% cash back on Online Shopping

      Why this card

      1. 1.$50/yr Credit Building Without Credit Check

      No annual fee

      VISA
      1.3¢
      per dollar on online shopping
      No annual fee
      Annual rewards$76.50
      Net annual value$76.50
      Chase Sapphire Reserve
      12

      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
        Bank of America® Customized Cash Rewards Secured
        13

        Bank of America® Customized Cash Rewards Secured

        Bank Of America

        3x points on Online Shopping

        Why this card

        1. 1.3x on online shopping ($90/yr on $6,000 spend)
        2. 2.Security Deposit Refund Opportunity
        3. 3.Credit Bureau Reporting
        4. 4.FICO® Score Monitoring
        5. 5.Balance Connect Overdraft Protection

        No annual fee

        VISA
        Core Rate
        1.5¢
        per dollar on online shopping
        No annual fee
        Annual rewards$90
        Net annual value$90

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

        Navy Federal Flagship Rewards® Card
        14

        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
          Wells Fargo Active Cash Card
          15

          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
            16

            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
              Fidelity Rewards Visa Signature Card
              17

              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
                Synchrony Premier Mastercard
                18

                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
                  19

                  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
                    Bank of America Customized Cash Rewards Credit Card
                    20

                    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)
                    2. 2.$40/yr 0% Intro APR for 15 Months

                    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

                    Bilt Obsidian Card
                    21

                    Bilt Obsidian Card

                    Cardless

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

                    Why this card

                    1. 1.$20/yr 10% Intro APR on Purchases
                    MASTERCARD
                    1.7¢
                    per dollar on online shopping
                    $95/yr
                    Annual rewards$102
                    \u2212 Annual fee$95
                    Net annual value$7
                    No image
                    22

                    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
                      Blue Cash Everyday Card from American Express
                      23

                      Blue Cash Everyday Card from American Express

                      Amex

                      3x Cashback 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

                      Amex has limited international acceptance — carry a Visa/Mastercard backup

                      AMEX
                      Core Rate
                      1.5¢
                      per dollar on online shopping
                      No annual fee($60 in credits)
                      Annual rewards$90
                      + Credits$60
                      Net annual value$150

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

                      No image
                      24

                      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
                        25

                        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
                          26

                          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
                            27

                            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
                            Chase Sapphire Preferred Card
                            28

                            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
                              AllModern Mastercard
                              29

                              AllModern Mastercard

                              Citi

                              2x points on Online Shopping

                              Why this card

                              1. 1.2x 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
                              Capital One Quicksilver Student Cash Rewards Credit Card
                              30

                              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

                                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+1 more
                                Cached
                                70%
                                Scores include 1% Rakuten Shopping portal stacking on all cards
                                Not right? Try:
                                51 matches1511ms
                                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
                                  No image
                                  2

                                  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 has limited international acceptance — carry a Visa/Mastercard backup

                                  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
                                  Bank of America® Unlimited Cash Rewards for Students
                                  3

                                  Bank of America® Unlimited Cash Rewards for Students

                                  Bank Of America

                                  2% cash back on Online Shopping

                                  Why this card

                                  1. 1.$200/yr $200 Cash Rewards Bonus
                                  2. 2.$150/yr 0% Intro APR for 15 Billing Cycles

                                  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
                                  Rakuten American Express Card
                                  4

                                  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.Amex Offers
                                  2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value
                                  3. 3.2% via Rakuten Shopping (1% portal + 1% card bonus)

                                  No annual fee

                                  Amex has limited international acceptance — carry a Visa/Mastercard backup

                                  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
                                  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.$357/yr Citigold® Private Client Relationship Credit
                                  2. 2.$150/yr Up to $200 Annual Splurge Credit℠
                                  3. 3.$100/yr Up to $200 Annual Blacklane® Credit
                                  4. 4.Travel and Shopping Protection

                                  $165 in credits offset the $595 fee

                                  MASTERCARD
                                  1.9¢
                                  per dollar on online shopping
                                  $595/yr($165 in credits)
                                  Annual rewards$114.75
                                  + Credits$165
                                  \u2212 Annual fee$595
                                  Net annual value-$315.25
                                  Bilt Blue Card
                                  6

                                  Bilt Blue Card

                                  Cardless

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

                                  Why this card

                                  1. 1.$50/yr 10% Intro APR for 12 Months

                                  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
                                  7

                                  Bank of America Unlimited Cash Rewards Credit Card

                                  Bank Of America

                                  2% cash back on Online Shopping

                                  Why this card

                                  1. 1.$40/yr 0% Intro APR for 15 Months
                                  2. 2.$30/yr Balance Transfer Capability with Low Intro Fee

                                  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
                                  Capital One VentureOne Rewards Credit Card
                                  8

                                  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
                                    Susan G. Komen® Customized Cash Rewards
                                    9

                                    Susan G. Komen® Customized Cash Rewards

                                    Bank Of America

                                    3x points on Online Shopping

                                    Why this card

                                    1. 1.3x on online shopping ($90/yr on $6,000 spend)
                                    2. 2.$100/yr 0% Intro APR for 15 Billing Cycles

                                    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

                                    U.S. Bank Smartly Visa Signature Card
                                    10

                                    U.S. Bank Smartly Visa Signature Card

                                    Usbank

                                    2% cash back on Online Shopping

                                    Why this card

                                    1. 1.$25/yr Flexible redemption

                                    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
                                    11

                                    Firstcard Secured Credit Builder Card

                                    Firstcard

                                    1.5% cash back on Online Shopping

                                    Why this card

                                    1. 1.$50/yr Credit Building Without Credit Check

                                    No annual fee

                                    VISA
                                    1.3¢
                                    per dollar on online shopping
                                    No annual fee
                                    Annual rewards$76.50
                                    Net annual value$76.50
                                    Chase Sapphire Reserve
                                    12

                                    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
                                      Bank of America® Customized Cash Rewards Secured
                                      13

                                      Bank of America® Customized Cash Rewards Secured

                                      Bank Of America

                                      3x points on Online Shopping

                                      Why this card

                                      1. 1.3x on online shopping ($90/yr on $6,000 spend)
                                      2. 2.Security Deposit Refund Opportunity
                                      3. 3.Credit Bureau Reporting
                                      4. 4.FICO® Score Monitoring
                                      5. 5.Balance Connect Overdraft Protection

                                      No annual fee

                                      VISA
                                      Core Rate
                                      1.5¢
                                      per dollar on online shopping
                                      No annual fee
                                      Annual rewards$90
                                      Net annual value$90

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

                                      Navy Federal Flagship Rewards® Card
                                      14

                                      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
                                        Wells Fargo Active Cash Card
                                        15

                                        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
                                          16

                                          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
                                            Fidelity Rewards Visa Signature Card
                                            17

                                            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
                                              Synchrony Premier Mastercard
                                              18

                                              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
                                                19

                                                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
                                                  Bank of America Customized Cash Rewards Credit Card
                                                  20

                                                  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)
                                                  2. 2.$40/yr 0% Intro APR for 15 Months

                                                  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

                                                  Bilt Obsidian Card
                                                  21

                                                  Bilt Obsidian Card

                                                  Cardless

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

                                                  Why this card

                                                  1. 1.$20/yr 10% Intro APR on Purchases
                                                  MASTERCARD
                                                  1.7¢
                                                  per dollar on online shopping
                                                  $95/yr
                                                  Annual rewards$102
                                                  \u2212 Annual fee$95
                                                  Net annual value$7
                                                  No image
                                                  22

                                                  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
                                                    Blue Cash Everyday Card from American Express
                                                    23

                                                    Blue Cash Everyday Card from American Express

                                                    Amex

                                                    3x Cashback 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

                                                    Amex has limited international acceptance — carry a Visa/Mastercard backup

                                                    AMEX
                                                    Core Rate
                                                    1.5¢
                                                    per dollar on online shopping
                                                    No annual fee($60 in credits)
                                                    Annual rewards$90
                                                    + Credits$60
                                                    Net annual value$150

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

                                                    No image
                                                    24

                                                    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
                                                      25

                                                      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
                                                        26

                                                        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
                                                          27

                                                          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
                                                          Chase Sapphire Preferred Card
                                                          28

                                                          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
                                                            AllModern Mastercard
                                                            29

                                                            AllModern Mastercard

                                                            Citi

                                                            2x points on Online Shopping

                                                            Why this card

                                                            1. 1.2x 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
                                                            Capital One Quicksilver Student Cash Rewards Credit Card
                                                            30

                                                            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

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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
                                                                No image
                                                                2

                                                                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 has limited international acceptance — carry a Visa/Mastercard backup

                                                                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
                                                                Bank of America® Unlimited Cash Rewards for Students
                                                                3

                                                                Bank of America® Unlimited Cash Rewards for Students

                                                                Bank Of America

                                                                2% cash back on Online Shopping

                                                                Why this card

                                                                1. 1.$200/yr $200 Cash Rewards Bonus
                                                                2. 2.$150/yr 0% Intro APR for 15 Billing Cycles

                                                                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
                                                                Rakuten American Express Card
                                                                4

                                                                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.Amex Offers
                                                                2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value
                                                                3. 3.2% via Rakuten Shopping (1% portal + 1% card bonus)

                                                                No annual fee

                                                                Amex has limited international acceptance — carry a Visa/Mastercard backup

                                                                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
                                                                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.$357/yr Citigold® Private Client Relationship Credit
                                                                2. 2.$150/yr Up to $200 Annual Splurge Credit℠
                                                                3. 3.$100/yr Up to $200 Annual Blacklane® Credit
                                                                4. 4.Travel and Shopping Protection

                                                                $165 in credits offset the $595 fee

                                                                MASTERCARD
                                                                1.9¢
                                                                per dollar on online shopping
                                                                $595/yr($165 in credits)
                                                                Annual rewards$114.75
                                                                + Credits$165
                                                                \u2212 Annual fee$595
                                                                Net annual value-$315.25
                                                                Bilt Blue Card
                                                                6

                                                                Bilt Blue Card

                                                                Cardless

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

                                                                Why this card

                                                                1. 1.$50/yr 10% Intro APR for 12 Months

                                                                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
                                                                7

                                                                Bank of America Unlimited Cash Rewards Credit Card

                                                                Bank Of America

                                                                2% cash back on Online Shopping

                                                                Why this card

                                                                1. 1.$40/yr 0% Intro APR for 15 Months
                                                                2. 2.$30/yr Balance Transfer Capability with Low Intro Fee

                                                                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
                                                                Capital One VentureOne Rewards Credit Card
                                                                8

                                                                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
                                                                  Susan G. Komen® Customized Cash Rewards
                                                                  9

                                                                  Susan G. Komen® Customized Cash Rewards

                                                                  Bank Of America

                                                                  3x points on Online Shopping

                                                                  Why this card

                                                                  1. 1.3x on online shopping ($90/yr on $6,000 spend)
                                                                  2. 2.$100/yr 0% Intro APR for 15 Billing Cycles

                                                                  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

                                                                  U.S. Bank Smartly Visa Signature Card
                                                                  10

                                                                  U.S. Bank Smartly Visa Signature Card

                                                                  Usbank

                                                                  2% cash back on Online Shopping

                                                                  Why this card

                                                                  1. 1.$25/yr Flexible redemption

                                                                  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
                                                                  11

                                                                  Firstcard Secured Credit Builder Card

                                                                  Firstcard

                                                                  1.5% cash back on Online Shopping

                                                                  Why this card

                                                                  1. 1.$50/yr Credit Building Without Credit Check

                                                                  No annual fee

                                                                  VISA
                                                                  1.3¢
                                                                  per dollar on online shopping
                                                                  No annual fee
                                                                  Annual rewards$76.50
                                                                  Net annual value$76.50
                                                                  Chase Sapphire Reserve
                                                                  12

                                                                  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
                                                                    Bank of America® Customized Cash Rewards Secured
                                                                    13

                                                                    Bank of America® Customized Cash Rewards Secured

                                                                    Bank Of America

                                                                    3x points on Online Shopping

                                                                    Why this card

                                                                    1. 1.3x on online shopping ($90/yr on $6,000 spend)
                                                                    2. 2.Security Deposit Refund Opportunity
                                                                    3. 3.Credit Bureau Reporting
                                                                    4. 4.FICO® Score Monitoring
                                                                    5. 5.Balance Connect Overdraft Protection

                                                                    No annual fee

                                                                    VISA
                                                                    Core Rate
                                                                    1.5¢
                                                                    per dollar on online shopping
                                                                    No annual fee
                                                                    Annual rewards$90
                                                                    Net annual value$90

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

                                                                    Navy Federal Flagship Rewards® Card
                                                                    14

                                                                    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
                                                                      Wells Fargo Active Cash Card
                                                                      15

                                                                      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
                                                                        16

                                                                        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
                                                                          Fidelity Rewards Visa Signature Card
                                                                          17

                                                                          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
                                                                            Synchrony Premier Mastercard
                                                                            18

                                                                            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
                                                                              19

                                                                              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
                                                                                Bank of America Customized Cash Rewards Credit Card
                                                                                20

                                                                                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)
                                                                                2. 2.$40/yr 0% Intro APR for 15 Months

                                                                                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

                                                                                Bilt Obsidian Card
                                                                                21

                                                                                Bilt Obsidian Card

                                                                                Cardless

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

                                                                                Why this card

                                                                                1. 1.$20/yr 10% Intro APR on Purchases
                                                                                MASTERCARD
                                                                                1.7¢
                                                                                per dollar on online shopping
                                                                                $95/yr
                                                                                Annual rewards$102
                                                                                \u2212 Annual fee$95
                                                                                Net annual value$7
                                                                                No image
                                                                                22

                                                                                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
                                                                                  Blue Cash Everyday Card from American Express
                                                                                  23

                                                                                  Blue Cash Everyday Card from American Express

                                                                                  Amex

                                                                                  3x Cashback 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

                                                                                  Amex has limited international acceptance — carry a Visa/Mastercard backup

                                                                                  AMEX
                                                                                  Core Rate
                                                                                  1.5¢
                                                                                  per dollar on online shopping
                                                                                  No annual fee($60 in credits)
                                                                                  Annual rewards$90
                                                                                  + Credits$60
                                                                                  Net annual value$150

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

                                                                                  No image
                                                                                  24

                                                                                  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
                                                                                    25

                                                                                    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
                                                                                      26

                                                                                      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
                                                                                        27

                                                                                        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
                                                                                        Chase Sapphire Preferred Card
                                                                                        28

                                                                                        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
                                                                                          AllModern Mastercard
                                                                                          29

                                                                                          AllModern Mastercard

                                                                                          Citi

                                                                                          2x points on Online Shopping

                                                                                          Why this card

                                                                                          1. 1.2x 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
                                                                                          Capital One Quicksilver Student Cash Rewards Credit Card
                                                                                          30

                                                                                          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