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Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

Unlike groceries, dining, and travel, online shopping isn’t a common bonus category on rewards credit cards. But that doesn’t mean you can’t earn more than 1 point or mile per dollar you spend, or more than 1% cash back, when you buy things online.

By picking the right card — and by taking advantage of online shopping portals and other deals like Amex Offers** — you can rake in the rewards on these purchases. 

Compare the best credit cards for online shopping

Blue Cash Everyday® Card from American Express


Intro offer

$200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months


Rewards

Earn 3% cash back at U.S. supermarkets, online retail purchases, and at U.S. gas stations (on up to $6,000 in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.

American Express Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express


Intro offer

$200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months


Rewards

Earn 3% cash back at U.S. supermarkets, online retail purchases, and at U.S. gas stations (on up to $6,000 in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.

On American Express’s website


Rewards

Earn 3% cash back at U.S. supermarkets, online retail purchases, and at U.S. gas stations (on up to $6,000 in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.


Intro offer

$200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months


Recommended Credit

Good to Excellent


Regular APR

16.99% – 27.99% Variable


Intro APR

0% intro APR on purchases and balance transfers for 15 months from account opening

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Wells Fargo Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card


Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening


Rewards

Earn unlimited 2% cash rewards on purchases.

Wells Fargo Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card


Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening


Rewards

Earn unlimited 2% cash rewards on purchases.


Rewards

Earn unlimited 2% cash rewards on purchases.


Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

17.99%, 22.99%, or 27.99% Variable


Intro APR

0% intro APR on purchases and qualifying balance transfers for 15 months from account opening

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Citi Citi® Double Cash Card


Intro offer

$200 cash back after spending $1,500 on purchases in the first 6 months of account opening


Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Citi Citi® Double Cash Card


Intro offer

$200 cash back after spending $1,500 on purchases in the first 6 months of account opening


Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.


Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.


Intro offer

$200 cash back after spending $1,500 on purchases in the first 6 months of account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular APR

16.99% – 26.99% Variable


Intro APR

0% intro APR on balance transfers for 18 months

Editor’s Rating

5/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Chase Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card


Intro offer

$100 Amazon gift card instantly upon approval


Rewards

Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. Also, earn 10% back or more on a rotating selection of Amazon products and categories.

Chase Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card


Intro offer

$100 Amazon gift card instantly upon approval


Rewards

Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. Also, earn 10% back or more on a rotating selection of Amazon products and categories.


Rewards

Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. Also, earn 10% back or more on a rotating selection of Amazon products and categories.


Intro offer

$100 Amazon gift card instantly upon approval


Regular APR

16.49% – 24.49% Variable

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Citi Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases

Citi Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases


Recommended Credit

Excellent


Regular APR

18.24% (Variable)

Editor’s Rating

4.2/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Bank of America Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card


Intro offer

$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening


Rewards

Earn 3% back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% back at grocery stores and wholesale clubs and 1% back on other purchases; bonus rewards in 3% and 2% categories are capped on the first $2,500 spent each quarter, after which you’ll earn 1%

Bank of America Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card


Intro offer

$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening


Rewards

Earn 3% back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% back at grocery stores and wholesale clubs and 1% back on other purchases; bonus rewards in 3% and 2% categories are capped on the first $2,500 spent each quarter, after which you’ll earn 1%

On Bank of America’s website


Rewards

Earn 3% back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% back at grocery stores and wholesale clubs and 1% back on other purchases; bonus rewards in 3% and 2% categories are capped on the first $2,500 spent each quarter, after which you’ll earn 1%


Intro offer

$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening


Regular APR

16.24% – 26.24% variable


Intro APR

0% intro APR on purchases for the first 18 months and for any balance transfers made within the first 60 days of opening your account

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Discover Discover it® Cash Back


Intro offer

Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year


Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.

Discover Discover it® Cash Back


Intro offer

Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year


Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.


Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.


Intro offer

Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular APR

14.99% – 25.99% Variable


Intro APR

0% intro APR for 15 months on purchases and balance transfers

Editor’s Rating

4.42/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Chase Chase Freedom Flex℠


Intro offer

$200 after spending $500 on purchases in the first three months from account opening


Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

Chase Chase Freedom Flex℠


Intro offer

$200 after spending $500 on purchases in the first three months from account opening


Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.


Rewards

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.


Intro offer

$200 after spending $500 on purchases in the first three months from account opening


Recommended Credit

Good to Excellent


Regular APR

17.24% – 25.99% Variable


Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

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Chase Ink Business Cash® Credit Card

Ink Business Cash® Credit Card


Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening


Rewards

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Chase Ink Business Cash® Credit Card

Ink Business Cash® Credit Card


Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening


Rewards

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.


Rewards

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.


Intro offer

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent


Regular APR

15.49% – 21.49% Variable


Intro APR

0% intro APR on purchases for 12 months from account opening

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American Express American Express® Gold Card

American Express® Gold Card


Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.

American Express American Express® Gold Card

American Express® Gold Card


Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.


Annual Fee

$250

See Rates and Fees

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Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Recommended Credit

Good to Excellent


Regular APR

18.99% – 25.99% Variable

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The best credit cards for shopping online reviews

Amex Blue Cash Everyday card 

Amex recently refreshed the Blue Cash Everyday® Card from American Express by improving its bonus categories and adding new statement credits for Home Chef and Disney Bundle subscriptions**. The card now earns 3% cash back on US online retail purchases (on up to $6,000 in spending per year, then 1%), as well as 3% back at US gas stations and US supermarkets, with the same spending limits. All other purchases earn 1% cash back (cash back is received in the form of Reward Dollars).

New cardholders also receive a 0% intro APR on purchases and balance transfers for 15 months from account opening, followed by a 16.99% – 27.99% Variable APR. This is handy for times when you might not be able to pay off all your purchases at once, like over the holidays.

Earning 3% back for online shopping is a great deal, but bear in mind it’s limited to purchases in the US. If you frequently buy from international vendors, this card won’t be a good fit.

Review: Amex Blue Cash Everyday review

Wells Fargo Active Cash card

The Wells Fargo Active Cash® Card is a terrific choice if you don’t want to fuss with bonus categories or limits. Cardholders earn 2% cash rewards on purchases with no caps, and the card comes with a decent welcome bonus offer as well: $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening.

New cardholders also qualify for a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then a 17.99%, 22.99%, or 27.99% Variable), which can be useful for those who are making large purchases they can’t pay off right away. This card doesn’t charge an annual fee.

It also offers perks like cell phone protection, roadside dispatch, Visa Signature benefits, and travel and emergency assistance services. 

Review: Wells Fargo Active Cash card review

Citi Double Cash Card

The Citi Double Cash earns 2% cash back on everything you buy: 1% cash back (1 point per dollar) when you make a purchase, and another 1% back (1 point per dollar) when you pay your bill.

There’s a limited-time welcome bonus of $200 cash back after spending $1,500 on purchases in the first 6 months of account opening, and new cardholders receive a 0% intro APR on balance transfers for 18 months, followed by a 16.99% – 26.99% Variable APR. This is handy if you have high-interest credit card balances you want to consolidate and pay off over time.

Since there are no bonus categories to keep track of with this card, you can earn 2% back on your online purchases, no matter where you’re shopping. The card has no annual fee, either.

Review: Citi Double Cash card review

Amazon Prime Rewards Visa Signature card

If you want a card that offers bonus rewards on Amazon purchases, the Amazon Prime Rewards Visa Signature Card
is a solid choice. It offers a welcome bonus of $100 Amazon gift card instantly upon approval, and cardholders earn 5% back on Amazon and Whole Foods purchases (with a Prime Membership and your card is loaded to your eligible Amazon account; otherwise earn 3% back on these purchases), 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

There’s no annual fee for Amazon Prime members, and because it’s a Visa Signature card, it offers substantial benefits including extended warranty, purchase protection, and car rental insurance.

Review: Amazon Prime Rewards Visa Signature credit card review

Costco Visa card

For Costco members who shop with the big-box retailer online, the Costco Anywhere Visa® Card by Citi could be another smart choice. It earns 2% cash back on all Costco.com and Costco purchases, in addition to 4% cash back on the first $7,000 spent on eligible gas and EV charging purchases each year (then 1%), 3% cash back on restaurants and eligible travel purchases, and 1% back on everything else.

The card has no annual fee, but you need a paid Costco membership.

Review: Costco Anywhere Visa credit card review

Bank of America Customized Cash Rewards card 

The Bank of America® Customized Cash Rewards Credit Card
is another no-annual-fee card, and it’s the rare one that includes online shopping as a bonus category. You can earn 3% cash back on a category of your choice (options include online shopping as well as gas, dining, travel, drugstores, and home improvement/furnishings) and 2% cash back at grocery stores and wholesale clubs on up to $2,500 in combined purchases each quarter (then 1% back).

If you’re looking to maximize your online shopping purchases with the Bank of America® Customized Cash Rewards Credit Card, your best bet would be to only use it for online shopping and put grocery store and wholesale club purchases on another card.

Review: Bank of America Customized Cash Rewards card review

Discover it Cash Back card 

The Discover it® Cash Back is a great pick if you want to earn a high rate of cash back and don’t mind putting in a little bit of extra effort. It offers a generous 5% cash back in popular rotating quarterly bonus categories when you activate, on up to $1,500 in combined spending (then 1%). You’ll also earn 1% back everywhere else (from October 1 to December 31, 2022, you can earn 5% cash back at Amazon.com and on digital wallets on up to $1,500 in purchases after enrollment, then 1%).

This no-annual-fee card also offers a 0% intro APR for 15 months on purchases and balance transfers, followed by a 14.99% – 25.99% Variable APR.

Review: Discover it Cash Back card review

Chase Freedom Flex

The no-annual-fee Chase Freedom Flex℠ is an excellent choice if you want to earn bonus cash back (in the form of Chase Ultimate Rewards® points) in a wide variety of categories. Cardholders can earn 5% cash back (5x Ultimate Rewards points) on up to $1,500 spent in combined purchases (then 1%) in certain bonus categories each quarter of the year after activation. From October 1, 2022, to December 31, 2022, the bonus categories are PayPal and Walmart (including Walmart.com).

In addition, this card comes with a 0% intro APR on purchases and balance transfers for the first 15 months, followed by a 17.24% – 25.99% Variable APR. 

Review: Chase Freedom Flex card review

Chase Ink Cash

If you’re a freelancer or a small business owner, the Ink Business Cash card is a great option for earning cash back on office supplies. You’ll earn 5% back (5x Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year (then 1% back).

You’ll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each year (then 1% back). This card has no annual fee, and if you also have a Chase Ultimate Rewards travel card such as the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card, you can move over rewards from the Ink Business Cash card and unlock more redemption options.

Review: Ink Business Cash card review

Amex Gold card

Especially if you’re making a large purchase, you’ll want to pay attention to what kind of purchase protection your credit card offers. The American Express® Gold Card
has one of the most generous policies, offering up to $10,000 in coverage per occurrence (up to $500 for natural disasters) and up to $50,000 in coverage per year for stolen or damaged items.

The Amex Gold Card also adds up to one additional year to eligible US manufacturer’s warranties of five years or less.

Review: American Express Gold card review

Make sure to use an online shopping portal

Whenever you shop online, it’s worth taking a few extra seconds to go through a shopping portal, since you can earn a ton of bonus rewards or cash back by clicking through one of these sites.

Airlines and credit card issuers, along with a handful of hotel brands, operate shopping portals that award you bonus loyalty points in their respective programs when you click through from the portal to a retailer’s website. For example, if you’re a United flyer, you can click through the airline’s MileagePlus Shopping site to earn bonus miles with Bed Bath & Beyond, Sephora, Staples, and dozens of other online shops.

Online shopping portal bonuses change all the time, and not every portal partners with the same retailers. To see your best options for earning rewards, search for the retailer on Cashback Monitor or Evreward. Both of these sites show you all your different shopping portal options for earning points, miles, or cash back.

Once you’ve decided which shopping portal you want to use, make sure you’re logged into your associated loyalty program account, then find the retailer in the portal and click through. This is an easy way to maximize credit card purchases that would otherwise only earn you 1 point per dollar or 1% cash back.

Don’t forget about Amex Offers and cash-back deals through Chase 

If you have an American Express card or a Chase card, you could be able to save extra money on your online purchases through Amex Offers and Chase Offers, respectively.

Amex Offers** are limited-time deals available to cardholders, letting you earn cash back or bonus Membership Rewards points when you make purchases with popular retailers. The offers are targeted, meaning not every cardholder will see the same deals in their account, and you need to make your purchase with the Amex card tied to a given deal in order to be eligible for cash back or bonus points.

Chase Offers work similarly; if you have a Chase card like the Chase Freedom Unlimited® or the Chase Sapphire Preferred® Card, log into your account and see what offers are available. Click on any offers you want to use to add them to your account, then use the corresponding Chase card to complete your purchase. Currently, Chase Offers are limited to cash back — for instance, 10% back at Starbucks or Office Depot. 



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