Best Credit Card for Online Shopping
The best credit card for Online Shopping is Chase Sapphire Preferred because it earns 3x on online purchases and e-commerce, the strongest effective return in the current ranking.
Online purchases span dozens of categories, but cards with a dedicated online shopping bonus earn elevated rates regardless of the merchant. The best cards offer 3–5x on all online purchases, turning every click into meaningful rewards.
Top Pick
Chase Sapphire Preferred
3x on Online Groceries
Before you click out
- This is the best fit only if you actually spend heavily on online shopping.
- Make sure the $95 annual fee still makes sense for your total spend.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
Credit One Bank Cash BackCredit One Bank Best Friends Credit Card5xpts/dollar5.0%return5x on Pet Stores
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Safeway forU Cash BackSafeway® forU American Express® Card5xpts/dollar5.0%return5x on Albertsons Companies Online & App Purchases
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American Express Membership RewardsAmerican Express Graphite Business Cash Unlimited Card5xpts/dollar5.0%return5x on Flights & Prepaid Hotels (Amex Travel Online) (travel portal only)
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Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For online purchases and e-commerce, Chase Sapphire Preferred is currently our top overall pick at 3x, which works out to about 6.0% back using CardCurator's current point valuations. 3x on Online Groceries. If you want a no-annual-fee option, Prime Visa earns 5x there (5.0% effective return). At $500/month of spend, the top card is worth about $360/year before signup bonuses or statement credits. Summary generated November 3, 2026. Source: https://cardcurator.ai/best-credit-card-for/online-shopping
- Chase Sapphire Preferred: 3x and 6.0% effective return.
- At $500/month, that's about $360/year in rewards value before bonuses.
- Prime Visa is the current no-fee fallback at 5x (5.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Online Shopping?
The Chase Sapphire Preferred is currently the top pick for online purchases and e-commerce, earning 3x points per dollar — an effective 6.0% return.
How many points do you earn on Online Shopping purchases?
The top-rated card for online purchases and e-commerce, the Chase Sapphire Preferred, earns 3x per dollar — an effective return of 6.0%.
Is there a no-annual-fee card that earns rewards on Online Shopping?
Yes — the Prime Visa earns 5x on online purchases and e-commerce with no annual fee (5.0% effective return).
Is a premium card worth the annual fee for Online Shopping spending?
The American Express Graphite Business Cash Unlimited Card ($295/yr) earns 5x on online purchases and e-commerce. If you spend $492/month or more on online shopping, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Online Shopping?
Chase Sapphire Preferred: $360/yr, Prime Visa: $300/yr, Credit One Bank Best Friends Credit Card: $300/yr. The Chase Sapphire Preferred earns the most at $500/month.
Do rotating category cards earn on Online Shopping?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature online shopping as a 5% bonus category for one quarter per year. Year-round, a dedicated online shopping card typically outperforms rotating category cards since you can't always count on the bonus.