Best Credit Card for Online Shopping
Compare the top credit cards for online purchases and e-commerce and find which one earns the most rewards.
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
More Good Options
Credit One Bank Cash BackCredit One Bank Best Friends Credit Card5xpts/dollar5.0%return5x on Pet Stores
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Hilton HonorsHilton Honors Surpass4xpts/dollar2.4%return4x on U.S. Online Retail Purchases
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Target CircleTarget Circle Credit Card5xpts/dollar5.0%return5x base rate (no bonus for Online Shopping)
Rewards Calculator
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Common Questions
What is the best credit card for Online Shopping?
The Blue Cash Everyday Card from American Express 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 Blue Cash Everyday Card from American Express, 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 Blue Cash Everyday Card from American Express earns 3x on online purchases and e-commerce with no annual fee (6.0% effective return).
Is a premium card worth the annual fee for Online Shopping spending?
Whether a premium card pays off depends on your total spending across all categories, not just online shopping. Premium cards typically include travel credits, lounge access, and other perks that can exceed their annual fee.
Which card earns the most if I spend $500 per month on Online Shopping?
Blue Cash Everyday Card from American Express: $360/yr, Credit One Bank Best Friends Credit Card: $300/yr, Apple Card: $180/yr. The Blue Cash Everyday Card from American Express 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.