The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
June 19, 2026 • 9 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
Several credit cards offer valuable rewards and protections for online shopping, including purchase protection and extended warranties.
Options range from cards with flat-rate returns to those offering elevated rewards at specific online merchants or for online retail spending.
Some cards provide flexibility to choose your preferred bonus category, while others reward loyalty to particular retailers.
Combining credit card rewards with shopping portals can further increase the value of your online purchases.
What to consider
Eligibility for certain cards or bonus categories may require registration or existing memberships, such as store loyalty programs or subscription services.
Some cards have caps on elevated rewards for online purchases, after which a lower rate applies.
Shopping portals and aggregator sites can help maximize rewards but may have varying rates depending on the retailer.
What you'll miss from the article
A detailed comparison of leading credit cards for online shopping, including which features best match different spending habits and retailer preferences.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
Whether you're ordering everyday essentials from Amazon, refreshing your wardrobe or hunting for the best deals during major sales events like Prime Day, Target Circle Deal Days and Walmart Deals, using the right credit card can help you earn valuable points, miles or cash back on purchases you're already making.
Some cards even offer perks like purchase protection and extended warranties that can provide extra peace of mind when making online purchases.
Let's dive into some of the best credit cards for online shopping.
The best cards for online shopping
The cards on this list offer a variety of ways to maximize online purchases, from bonus rewards at specific retailers to elevated earnings on online retail spending and straightforward flat-rate cash back.
Whether you're loyal to Amazon or simply want a card that rewards all your spending, there's an option for every type of shopper.
The information for the Prime Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Active Cash
Annual fee: $0
Welcome offer: Earn a $100 cash rewards bonus after spending $500 on purchases in the first three months from account opening.
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Standout shopping benefits: If you don't want to worry about bonus categories, spending caps or activation requirements, the Wells Fargo Active Cash is a strong choice. Cardholders earn unlimited 2% cash rewards on purchases, including online retail spending.
Its straightforward earning structure makes it a good fit for shoppers who buy from a variety of online retailers and simply want consistent rewards on every purchase.
Welcome offer: Earn a $200 bonus after spending $500 on purchases in the first three months from account opening.
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Standout shopping benefits: The Chase Freedom Unlimited is a strong option for online shoppers who prefer simplicity. You'll earn at least 1.5% cash back on purchases that don't fall into a bonus category, making it an easy card to use across a wide range of online retailers.
The card also includes valuable shopping protections, including extended warranty coverage that adds an additional year to eligible U.S. manufacturers' warranties of three years or less.
Welcome offer: Earn a $250 bonus after spending $500 on purchases in the first three months from account opening.
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Standout shopping benefits: The Chase Freedom Flex's main draw is its rotating bonus categories. Every quarter, Chase releases a list of categories that earn 5% cash back. While the categories change throughout the year, Amazon, PayPal and select digital-wallet purchases have frequently appeared in past quarterly bonus categories.
You'll have to register on Chase's website or app to participate, but it's an easy process and takes less than a minute. You'll earn 5% cash back in rotating quarterly categories (on the first $1,500 in purchases each quarter you activate).
Like the Freedom Unlimited, rewards can become even more valuable when paired with an eligible Ultimate Rewards-earning card, allowing you to transfer points to airline and hotel partners.
Welcome offer: Find out your offer and see if you are eligible for as high as $200 cash back after spending $2,000 on purchases in the first six months of card membership.
(Welcome offers vary, and you may not be eligible for an offer. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
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Standout shopping benefits: Few no-annual-fee cards are as rewarding for internet purchases as the Blue Cash Everyday. Cardholders earn 3% cash back on U.S. online retail purchases (on up to $6,000 per calendar year, then 1%).
They'll also earn 3% cash back at U.S. supermarkets and U.S. gas stations (on up to $6,000 per calendar year for each category, then 1%).
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Welcome offer: Get a $200 Amazon gift card instantly upon approval.
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Standout shopping benefits: Frequent Amazon shoppers should have the Prime Visa on their radar. Eligible Prime members earn 5% cash back on purchases at Amazon.com and Whole Foods Market, along with 2% back at restaurants, gas stations and local transit and commuting.
You'll have to be a Prime member to be eligible to get the card — but for frequent Amazon shoppers who already pay for Prime, it's one of the easiest ways to maximize purchases on the platform.
Welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 on purchases in the first 90 days from account opening.
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Standout shopping benefits: The Bank of America Customized Cash Rewards card stands out for its flexibility. Cardholders can choose one category, including online shopping, to earn 6% cash back (for the first year, then 3%; subject to a $2,500 cap on combined elevated cash back purchases each quarter).
Eligible BofA Rewards™ members can receive a rewards bonus that increases earnings by 10% to 75%, making the card significantly more rewarding for existing banking customers.
Using the right credit card is only part of maximizing online purchases. Shopping portals can help you earn rewards on top of the points, miles or cash back you earn from your credit card.
Portal aggregators such as Cashback Monitor make it easy to compare earning rates across dozens of shopping portals. Depending on the retailer, you may be able to stack credit card rewards with airline miles, hotel points or additional cash back.
The best credit card for online shopping depends on where and how you shop. Some cards reward purchases at specific retailers, while others offer elevated earnings on online retail spending more broadly or provide a simple flat-rate return on every purchase.
Whether you're looking for flexible rewards, cash back or retailer-specific perks, using the right card can help you earn more on purchases you're already making. For even greater value, try to click through a shopping portal first.
