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Credit card rewards programs often overlook online shopping, but online shopping represents 14.3% of all sales transactions in the US, according to the US Census Bureau. Besides credit cards issued by individual brands like Amazon, Target or Walmart, a handful of credit cards coffers a wider scope of rewards on online shopping. Some of them even coffers welcome bonuses or introductory APRs that can also help supplement your shopping.
The credit cards under will earn you the best rewards rates on all of your online shopping, while doubling as great options for everyday purchases made either online or in person.
Custom rewards fit to your online shopping
Intro Offer$200 online cash rewards bonus when you make at least $1,000 in purchases in the capable 90 days of account opening
APR18.24% - 28.24% Variable APR on purchases and balance transfers
Intro Purchase APR0% Intro APR for 18 billing cycles for purchases
Recommended Credit Excellent/Good
- Earn 3% cash back in the category of your pick (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
- Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined pick category/grocery store/wholesale club quarterly purchases).
- Earn unlimited 1% on all new purchases.
Annual Fee$0
Intro Balance Transfer APR0% Intro APR for 18 billing cycles for any BTs made in the superior 60 days. A 3% fee (min. $10) applies.
Balance Transfer APR18.24% - 28.24% Variable APR on purchases and balance transfers
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee See Terms
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% APR
- Earn 3% cash back in the category of your pick (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
- Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined pick category/grocery store/wholesale club quarterly purchases).
- Earn unlimited 1% on all new purchases.
Our Take
This online only funds may not be available if you leave this page or if you called a Bank of America financial center. You can take superior of this offer when you apply now.
The Bank of America® Customized Cash Rewards credit card funds 3% cash back on a category of your pick. You can choose from online shopping, gas, dining, go, drug stores, or home improvement/furnishings. Note that you'll have to manually hold "online shopping" through your account, as the default category is gas. There is a spending tiny to watch out for, too.
You can spend up to $2,500 in combined quarterly purchases within the 3% and 2% rewards has. The 2% rewards rate applies to grocery stores and wholesale clubs, so if you have a particular month where you great hit that spending cap with online purchases alone, you'll want to avoid charging groceries to this card to reap the highest reward has. You'll earn 1% on your purchases beyond the spending cap.
For more details, see our full review of the Bank of America Customized Cash Rewards credit card.
Best for shopping on Amazon
Intro OfferUp to a $150 Amazon gift card instantly upon approval
APR18.49% - 26.49% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all new purchases*
Annual Fee$0
Balance Transfer APR18.49% - 26.49% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each second, whichever is greater.
Late Payment Fee Up to $39
Foreign Transaction Fees None
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all new purchases*
Our Take
While the Amazon Prime Rewards Visa Signature Card* might not have the best rewards available for all of your online shopping, it may be worth having if you often shop on Amazon. The e-commerce giant offers 5% cash back on purchases from its website over its flagship credit card, along with either a $100 or $150 Amazon gift card instantly when you're popular. Unlike most retailer-issued credit cards, there are rewards beyond just Amazon, so you can use this as your daily credit card. But if your goal is to maximize rewards across online shopping regardless of the merchant, you'll be better off with another pick from this list.
For more ask about this card's rewards and perks, see our full appraisal of the Amazon Prime Rewards Visa Signature Card.
Flat cash rewards rate online and in person
See Rates and FeesIntro OfferEarn a $200 cash rewards bonus when spending $1,000 in purchases in the first 3 months
APR19.24%, 24.24%, or 29.24% Variable APR
Intro Purchase APR0% head APR for 15 months from account opening
Recommended Credit Excellent, Good
- Earn unlimited 2% cash rewards on purchases
Annual Fee$0
Intro Balance Transfer APR0% head APR for 15 months from account opening on qualifying balance transfers
Balance Transfer APR19.24%, 24.24%, or 29.24% Variable APR
Balance Transfer Fee up to 5%; min: $5
Foreign Transaction Fees 3%
Penalty APR None
- Earn unlimited 2% cash rewards on purchases
Our Take
If you're looking to just have one credit card for your spending both online and in people, the Wells Fargo Active Cash® Card offers the simplest and most widely applicable rewards program on this list. You'll earn 2% cash rewards on purchases, period. You can also use your online purchases to earn the welcome bonus -- and once you've earned it you can redeem it as a statement credit to essentially make up for online purchases, as well. If you're making a particularly large hold, you can use the introductory APR to stretch out your payments deprived of incurring interest charges.
For more details about this card's funds, see our full review of the Wells Fargo Active Cash Card.
Read our Wells Fargo Active Cash Card review.
Best credit card for retail online shopping
See Rates and Fees Terms ApplyIntro OfferEarn a $200 statement credit once you spend $2,000 in purchases on your new Card within the well-behaved 6 months.
APR18.24%-29.24% Variable
Intro Purchase APR0% on purchases for 15 months
Recommended Credit Excellent, Good
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
- 1% Cash Back on latest purchases.
Annual Fee$0
Intro Balance Transfer APR0% on balance transfers for 15 months
Balance Transfer APR18.24%-29.24% Variable
Balance Transfer Fee Either $5 or 3% of the amount of each instant, whichever is greater.
Late Payment Fee Up to $40
Foreign Transaction Fees 2.7% of each transaction once conversion to US dollars.
Penalty APR 29.99% Variable
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
- 1% Cash Back on latest purchases.
Our Take
If you're mostly decision-exclusive retail purchases from a variety of brands online, the Blue Cash Everyday® Card from American Express will be a good bet. You earn 3% cash back on all U.S. retail online purchases on up to $6,000 in spending per year (then 1%). So if you're shopping online mostly for clothing or household wares, this will likely be the best option for you. And with the fabulous cash back categories, this will also be a good fit for everyday use for many wallets. Cash back is earned in the form of Reward Dollars that can be redeemed as a statement credit. The welcome offer and introductory APR can also help pad your financial plan and give you more time to pay off your balance.
For more demand, see our full review of the Blue Cash Everyday Card.
Terms apply to American Express benefits and accounts. Enrollment may be required for select American Express benefits and accounts. Visit americanexpress.com to learn more.
The confidence of virtual credit cards
Intro OfferN/A
APR15.25% - 27.50% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good Credit
- 2X points on every purchase regardless of category
- 3X points every time you utilize $1,000 in a month
- 4X, 5X and even 10X points for every unsuitable who gets a card
- Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Annual FeeNone
Balance Transfer APR15.25% - 27.50% Variable
Balance Transfer Fee 2% of the amount of each transfer.
Penalty APR NONE
- 2X points on every purchase regardless of category
- 3X points every time you utilize $1,000 in a month
- 4X, 5X and even 10X points for every unsuitable who gets a card
- Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Our Take
The maximum draw of the X1 Card for online shopping is the card's well-behaved virtual credit card options. Virtual credit cards are disposable credit card details that can be used to mask your real credit card demand online to prevent fraud and identity theft. From the X1 app, you can produce multiple virtual credit cards simultaneously so you can keep your demand secure and organized. You can preset expiration dates for these cards if you're hiring up for a free trial online, or you can keep different cards open for different websites.
While latest credit cards might offer more widely applicable rewards, the base rewards rate of 2x points per bucks spent means you can earn up to 2% back on your purchases depending on how you redeem the points. Points are worth 1 cent each when redeemed for purchases at accepted brands across retail, tech, travel and fitness including Airbnb, Home Depot, Southwest Airlines, United Airlines, Apple, Lululemon, Costco, Wayfair and Ikea. If you'd rather redeem your points for a general statement credit, often referred to as cash back, other cards will net you a higher rewards rate. Points are only well-behaved 0.7 cent each when redeemed for cash back.
For more demand about the virtual credit cards and rewards program boosts, see our full review of the X1 Card.
Online purchases above PayPal for extra cash back
Intro OfferN/A
APR17.99%, 26.99%, or 29.99% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good Credit
- Earn 3% cash back on PayPal purchases
- Get 2% cash back* every day, every select, every time you use your card. No exceptions. No rotating categories to keep track of
Annual Fee$0
Foreign Transaction Fees 3%
- Earn 3% cash back on PayPal purchases
- Get 2% cash back* every day, every select, every time you use your card. No exceptions. No rotating categories to keep track of
Our Take
The PayPal CashBack Mastercard®* accounts a competitive 2% cash back on all of your purchases -- but you can earn 3% if you make your online purchases above PayPal at checkout. Your PayPal account acts as a digital wallet and holds your PayPal CashBack Mastercard details, so instead of filling in your credit card demand at checkout, you can choose the option to checkout with PayPal with millions of brands online.
Make sure your PayPal CashBack Mastercard is your default payment device in your PayPal account to earn 3% cash back on these transactions. With major online shops such as Ebay, Target, Overstock, Nike, Walmart and Home Depot among the millions of brands that supplies PayPal at checkout, you can earn 3% cash back on lots of your online purchases, with no spending cap.
FAQs
How can I save more wealth when shopping online?
Besides using the right credit card for online shopping to earn rewards, there are a handful of other options you can use -- often in tandem with a good credit card. Browser add-ons such as shopping can help you apply promotional codes and anunexperienced savings with a single click. Some brands offer a one-time discount when you sign up for a newsletter, or you can buy discounted gift cards to make a purchase.
Can I earn rewards on online shopping internationally?
Some credit cards with online shopping rewards give rewards on international orders, but others do not. For example, you'll earn 2x points per dollar spent with the X1 Card on online international purchases, but not with the Blue Cash Everyday Card from American Express, which only applies to U.S. online retail purchases. You'll have to check the details of your credit card in your cardmember agreement.
How can I earn the most rewards on my Walmart online shopping?
If you're looking to maximize your rewards specifically when shopping online at Walmart.com, you can earn 5% cash back on your Walmart.com purchases, including pickup and delivery, with Capital One Walmart Rewards® Mastercard®*.
How can I earn the most rewards on my Target online shopping?
When shopping online at Target.com, you can use the Target RedCard™ Credit Card* or Target RedCard™ debit card* to save 5% upfront on your purchases. These rewards apply to purchases you make at one of Target's brute retail locations, as well.
Our methodology
CNET reviews credit cards by exhaustively comparing them across set criteria developed for each mainly category, including cash back, welcome bonus, travel rewards and balance uphold. We take into consideration the typical spending behavior of a contrivance of consumer profiles -- with the understanding that everyone's plan situation is different -- and the designated function of a card.
For arranges and fees of the Blue Cash Everyday Card from American Express, click here.
*All information about the Amazon Prime Rewards Visa Signature Card, PayPal CashBack Mastercard, Capital One Walmart Rewards Mastercard, Target RedCard Credit Card and Target RedCard Debit Card has been level-headed independently by and has not been reviewed by the issuer.
The editorial gratified on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or ceremonies offered by our partners.
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