The best credit cards for online shopping of December 2022: Earn bonus rewards with PayPal and at Amazon,, Target, and other popular retailers

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Unlike groceries, dining, and travel, online shopping is not a typical bonus class on rewards credit cards. But that does not imply you may’t earn greater than 1 level or mile per greenback you spend, or greater than 1% money again, once you purchase issues online.

By selecting the correct card — and by taking benefit of online shopping portals, stacking credit card rewards with discounts, and other offers like Amex Offers** — you may rake within the rewards on these purchases. 

We’re targeted right here on the rewards and perks that come with every card. These cards will not be price it when you’re paying curiosity or late charges. When utilizing a credit card, it is essential to pay your steadiness in full every month, make funds on time, and solely spend what you may afford to pay.

Compare the best credit cards for online shopping

The best credit cards for shopping online critiques

Amex Blue Cash Everyday card 

Amex lately refreshed the Blue Cash Everyday® Card from American Express by improving its bonus categories and including new assertion credit for Home Chef and Disney Bundle subscriptions**. The card now earns 3% money again on US online retail purchases (on as much as $6,000 in spending per yr, then 1%), in addition to 3% again at US fuel stations and US supermarkets, with the identical spending limits. All other purchases earn 1% money again (money again is obtained within the type of Reward Dollars).

New cardholders additionally obtain a Blue Cash Everyday® Card from American Express, adopted by a Blue Cash Everyday® Card from American Express APR. This is useful for instances once you may not be capable to repay all of your purchases at as soon as, like over the vacations.

Earning 3% again for online shopping is a good deal, however keep in mind it is restricted to purchases within the US. If you steadily purchase from worldwide distributors, this card will not be a superb match.

Review: Amex Blue Cash Everyday review

Wells Fargo Active Cash card

The Wells Fargo Active Cash® Card is a terrific selection when you do not need to fuss with bonus classes or limits. Cardholders earn 2% money rewards on purchases with no caps, and the cardboard comes with a good welcome bonus provide as nicely: Wells Fargo Active Cash® Card.

New cardholders additionally qualify for a Wells Fargo Active Cash® Card (then a Wells Fargo Active Cash® Card), which may be helpful for those that are making massive purchases they cannot repay immediately. This card would not cost an annual payment.

It additionally provides perks like mobile phone safety, roadside dispatch, Visa Signature advantages, and journey and emergency help providers. 

Review: Wells Fargo Active Cash card review

Citi Double Cash Card

The Citi® Double Cash Card earns 2% money again on all the pieces you purchase: 1% money again (1 level per greenback) once you make a purchase order, and one other 1% again (1 level per greenback) once you pay your invoice.

New cardholders obtain a Citi® Double Cash Card, adopted by a Citi® Double Cash Card APR. This is useful if in case you have high-interest credit card balances you need to consolidate and repay over time.

Since there aren’t any bonus classes to maintain monitor of with this card, you may earn 2% again in your online purchases, irrespective of the place you are shopping. The card has no annual payment, both. The draw back is that the Citi® Double Cash Card presently would not provide new cardholders any sort of welcome bonus. 

Review: Citi Double Cash card review

Amazon Prime Rewards Visa Signature card

If you desire a card that provides bonus rewards on Amazon purchases, the Amazon Prime Rewards Visa Signature Card  is a strong selection. It provides a welcome bonus of Amazon Prime Rewards Visa Signature Card .

Cardholders earn 5% again on Amazon and Whole Foods purchases (with a Prime Membership and your card is loaded to your eligible Amazon account; in any other case earn 3% again on these purchases), 2% again at eating places, fuel stations, and drugstores, and 1% again on all other purchases.

There’s no annual payment for Amazon Prime members, and as a result of it is a Visa Signature card it provides substantial advantages together with prolonged guarantee, purchase protection, and automobile rental insurance coverage.

Review: Amazon Prime Rewards Visa Signature credit card review

Costco Visa card

For Costco members who store with the big-box retailer online, the Costco Anywhere Visa® Card by Citi may very well be one other sensible selection. It earns 2% money again on all and Costco purchases, along with 4% money again on the primary $7,000 spent on eligible fuel and EV charging purchases annually (then 1%), 3% money again on eating places and eligible journey purchases, and 1% again on all the pieces else.

The card has no annual payment, however you want a paid Costco membership.

Review: Costco Anywhere Visa credit card review

Bank of America Customized Cash Rewards card 

The Bank of America® Customized Cash Rewards Credit Card is one other no-annual-fee card, and it is the uncommon one that features online shopping as a bonus class. You can earn 3% money again on a class of your selection (choices embody online shopping in addition to fuel, eating, journey, drugstores, and residence enchancment/furnishings) and 2% money again at grocery shops and wholesale golf equipment on as much as $2,500 in mixed purchases every quarter (then 1% again).

If you are seeking to maximize your online shopping purchases with the Bank of America® Customized Cash Rewards Credit Card, your best wager could be to solely use it for online shopping and put grocery retailer and wholesale membership purchases on one other card.

Review: Bank of America Customized Cash Rewards card review

Discover it Cash Back card 

The Discover it® Cash Back is a good choose if you wish to earn a excessive charge of money again and do not thoughts placing in just a little bit of additional effort. It provides a beneficiant 5% cash back in popular rotating quarterly bonus categories once you activate, on as much as $1,500 in mixed spending (then 1%). You’ll additionally earn 1% again in all places else Discover It Cashback rotation.

This no-annual-fee card additionally provides a Discover it® Cash Back, adopted by a Discover it® Cash Back APR.

Review: Discover it Cash Back card review

Chase Freedom Flex

The no-annual-fee Chase Freedom Flex℠ is a superb selection if you wish to earn bonus money again (within the type of Chase Ultimate Rewards® points) in all kinds of classes. Cardholders can earn 5% money again (5x Ultimate Rewards factors) on as much as $1,500 spent in mixed purchases (then 1%) in certain bonus categories each quarter of the yr after activation. From October 1, 2022, to December 31, 2022, the bonus classes are PayPal and Walmart (together with

In addition, this card comes with a Chase Freedom Flex℠, adopted by a Chase Freedom Flex℠ APR. 

Review: Chase Freedom Flex card review

Chase Ink Business Cash

If you are a freelancer or a small enterprise proprietor, the Ink Business Cash℠ Credit Card is a good choice for incomes money again on workplace provides. You’ll earn 5% again (5x Chase Ultimate Rewards factors) on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable, and cellphone providers annually (then 1% again).

You’ll additionally earn 2% money again on the primary $25,000 spent in mixed purchases at fuel stations and eating places annually (then 1% again). This card has no annual payment, and when you even have a Chase Ultimate Rewards travel card such because the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card, you may move over rewards from the Ink Business Cash℠ Credit Card and unlock extra redemption choices.

Review: Ink Business Cash card review

Amex Gold card

Especially when you’re making a large purchase, you may need to take note of what sort of purchase protection your credit card provides. The American Express® Gold Card has one of essentially the most beneficiant insurance policies, providing as much as $10,000 in protection per prevalence (as much as $500 for pure disasters) and as much as $50,000 in protection per yr for stolen or broken objects.

The American Express® Gold Card additionally provides as much as one extra yr to eligible US producers’ warranties of 5 years or much less.

Review: American Express Gold card review

US Bank Shopper Cash Rewards card

The brand-new U.S. Bank Shopper Cash Rewards™ Visa Signature® Card provides 6% money again in two classes you select from an inventory of retailers (together with Amazon, Walmart, and Target) on as much as $1,500 in mixed purchases per quarter (then 1.5% again).

The listing of eligible retail manufacturers for incomes 6% again is substantial, and consists of many popular online retailers:

  • Ace Hardware
  • Apple
  • Anthropologie
  • Bed, Bath, & Beyond
  • Best Buy
  • Crate & Barrel
  • Disney
  • Home Depot
  • Ikea
  • Kohl’s
  • Lowe’s
  • Lululemon
  • Macy’s
  • Menards
  • Nordstrom
  • Pottery Barn
  • QVC
  • Restoration Hardware
  • Target
  • Walmart
  • Williams Sonoma

Cardholders can even earn 3% money again in a single on a regular basis class they select from fuel and EV charging purchases, payments and utilities, or wholesale golf equipment, on as much as $1,500 per quarter (then 1.5% again), in addition to 5.5% money again on resort and automobile bookings by means of the US Bank Rewards Center. All other purchases earn a strong 1.5% money again.

There’s a U.S. Bank Shopper Cash Rewards™ Visa Signature® Card annual payment, and a welcome bonus of U.S. Bank Shopper Cash Rewards™ Visa Signature® Card. The card comes with Visa Signature advantages and a handful of journey and buy protections. Keep in thoughts it provides international transaction charges, so it isn’t a superb choose for worldwide purchases.

Review: US Bank Shopper Cash Rewards Visa Signature review

Make certain to make use of an online shopping portal

Whenever you store online, it is price taking a number of additional seconds to undergo a shopping portal, since you may earn a ton of bonus rewards or money again by clicking by means of one of these websites.

Airlines and credit card issuers, alongside with a handful of resort manufacturers, function shopping portals that award you bonus loyalty factors of their respective packages once you click on by means of from the portal to a retailer’s web site. For instance, when you’re a United flyer, you may click on by means of the airline’s MileagePlus Shopping site to earn bonus miles with Bed Bath & Beyond, Sephora, Staples, and dozens of other online retailers.

Online shopping portal bonuses change on a regular basis, and not each portal companions with the identical retailers. To see your best choices for incomes rewards, search for the retailer on Cashback Monitor or Evreward. Both of these websites present you all of your completely different shopping portal choices for incomes factors, miles, or money again.

Once you’ve got determined which shopping portal you need to use, ensure you’re logged into your related loyalty program account, then discover the retailer within the portal and click on by means of. This is an easy way to maximize credit card purchases that will in any other case solely earn you 1 level per greenback or 1% money again.

Don’t neglect about Amex Offers and cash-back offers by means of Chase 

If you’ve gotten an American Express card or a Chase card, you would be capable to save extra money on your online purchases by means of Amex Offers and Chase Offers, respectively.

Amex Offers** are limited-time offers out there to cardholders, letting you earn money again or bonus Membership Rewards points once you make purchases with popular retailers. The provides are focused, which means not each cardholder will see the identical offers of their account, and you want to make your buy with the Amex card tied to a given deal with the intention to be eligible for money again or bonus factors.

Chase Offers work equally; if in case you have a Chase card just like the Chase Freedom Unlimited® or the Chase Sapphire Preferred® Card, log into your account and see what provides can be found. Click on any provides you need to use so as to add them to your account, then use the corresponding Chase card to finish your buy. Currently, Chase Offers are restricted to money again — for occasion, 10% again at Starbucks or Office Depot. 

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