Best Credit Cards for Online Shopping
8 live consumer cards in our database earn a bonus rate on some kind of online shopping. They are ranked below by what that rate is worth in cash, with the issuer’s own wording on where it applies.
Ranked by math · Compensation never changes the order · Methodology
“Online shopping” means different things on different cards: some pay on U.S. online retail in general, some only at one store such as Amazon.com, some only when you check out through PayPal or Venmo, and some only on online groceries. The rate alone doesn’t tell you which — read the “where it applies” line on each card before you decide.
The ranking
Card data checked October 21, 2026 · 8 cards compared
- 1
Amazon Prime Visa
Chase · Visa- Annual fee
- $0
- Overall score
- 53
- Online rate
- 5%
- Where it applies: Unlimited 5% back on your Amazon.com purchases with an eligible Prime membership
- Where it applies: unlimited 5% back at Whole Foods Market online or in-store with an eligible Prime membership
Welcome offer: $150 Amazon gift card instantly upon approval.
- 2
Chase Sapphire Preferred® Credit Card
Chase · Visa- Annual fee
- $95
- Overall score
- 68
- Online rate
- 3x points
- Cash value
- about 4.5% at our point value
- Where it applies: 3X points on online grocery purchases (excluding Target,* Walmart and wholesale clubs)
Welcome offer: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 3
Bank of America® Customized Cash Rewards for Students
Bank of America · Visa- Annual fee
- $0
- Overall score
- 64
- Online rate
- 3% (category you choose)
- 6% cash back first year in choice category (then 3%)
- 2% at grocery stores and wholesale clubs
Welcome offer: $200 cash rewards bonus after $1,000 spend in 90 days
- 4
Bank of America® Customized Cash Rewards Credit Card
Bank of America · Visa- Annual fee
- $0
- Overall score
- 60
- Online rate
- 3% (category you choose)
- Where it applies: 3% cash back + 3% first-year cash back bonus in the category of your choice including gas and EV charging station, online shopping/cable/streaming/internet/phone plans, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases
Welcome offer: Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening and 6% cash back in the category of your choice – for the first year.
- 5
Blue Cash Everyday
American Express · American Express- Annual fee
- $0
- Overall score
- 56
- Online rate
- 3%
- Where it applies: 3% cash back at U.S. gas stations and on online retail purchases (up to $6,000 annually, then 1%)
Welcome offer: Earn $200 Cash Back after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
- 6
PayPal Cashback Mastercard
Synchrony Bank · Mastercard- Annual fee
- $0
- Overall score
- 40
- Online rate
- 3%
- Where it applies: 3% cash back on purchases made through PayPal account (online or in-store) or sending money via PayPal
- 7
Venmo Credit Card
Synchrony Bank · Visa- Annual fee
- $0
- Overall score
- 38
- Online rate
- 3%
- Where it applies: 3% when you pay with Venmo (online checkout or paying a business)
- 8
Hilton Honors American Express Surpass® Card
American Express · American Express- Annual fee
- $150
- Overall score
- 57
- Online rate
- 4x points
- Cash value
- about 2% at our point value
- Where it applies: 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases
Welcome offer: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass(R) Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
How this page is built
Live consumer cards whose stored online shopping rate is higher than their everyday rate and whose earn terms name online shopping (or that let you choose a bonus category that covers it). Store, business, secured and rotating-category cards are left out. Sorted by the rate’s cash value (points at our blended point value), then by overall score (final_score_blended). Partner (affiliate) links never change which cards appear or their order.
Card details come from our database, which is verified against each issuer’s own website; see our methodology, editorial policy and corrections policy.
Questions, answered from the data
Which credit card earns the most on online shopping?
Amazon Prime Visa (Chase): 5% on online shopping. The issuer’s wording: “Unlimited 5% back on your Amazon.com purchases with an eligible Prime membership”.
What is the best no-annual-fee card for online shopping?
Amazon Prime Visa, at 5%. 6 of the 8 cards on this page have a $0 annual fee.
Do any cards let me choose online shopping as a bonus category?
Yes: Bank of America® Customized Cash Rewards for Students and Bank of America® Customized Cash Rewards Credit Card let you pick a bonus category, and the rate shown applies when you choose the one that covers online shopping. Check the issuer’s category list first.
Which card is best for Amazon purchases?
Among the cards on this page, Amazon Prime Visa (5%) names Amazon in its earn terms. Our database has no separate Amazon rate, so check the card’s terms for membership requirements; Amazon’s own store cards are on our store cards page.
How are points cards compared with cash back cards here?
A points card’s rate is multiplied by our blended value for that currency (see point values), so 3x points at 1.5 cents each counts as 4.5%. Cash back rates are used as they are.
How often is this list updated?
The site rebuilds whenever card data changes in our database and at least once a month. This page was built from data checked October 21, 2026. Always confirm current terms on the issuer’s site.