Best Credit Cards for Online Shopping of July 2025
Updated: Jul 17, 2025
+ 2 more+ 2 more
Shopping online has some distinct advantages over going the brick-and-mortar route. Most notably, it's just more convenient to browse and order something online and have it delivered than to drive around looking for it. Another advantage: credit card rewards that are in some cases higher simply for making a purchase online as opposed to in the "real world."
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NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
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and many other national, regional and local media outlets.
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Shopping online has some distinct advantages over going the brick-and-mortar route. Most notably, it's just more convenient to browse and order something online and have it delivered than to drive around looking for it. Another advantage: credit card rewards that are in some cases higher simply for making a purchase online as opposed to in the "real world."
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Shopping online has some distinct advantages over going the brick-and-mortar route. Most notably, it's just more convenient to browse and order something online and have it delivered than to drive around looking for it. Another advantage: credit card rewards that are in some cases higher simply for making a purchase online as opposed to in the "real world."
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Shopping online has some distinct advantages over going the brick-and-mortar route. Most notably, it's just more convenient to browse and order something online and have it delivered than to drive around looking for it. Another advantage: credit card rewards that are in some cases higher simply for making a purchase online as opposed to in the "real world."
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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NerdWallet's Best Credit Cards for Online Shopping of July 2025
Blue Cash Everyday® Card from American Express: Best for Everyday spending
Prime Visa: Best for Amazon Prime Members
Wells Fargo Active Cash® Card: Best for Maximum simplicity
Bank of America® Customized Cash Rewards credit card: Best for 6% cash back in the first year
Discover it® Cash Back: Best for Seasonal shopping + matching bonus
Best Credit Cards for Online Shopping From Our Partners
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Blue Cash Everyday® Card from American ExpressApply Nowon American Express' website on American Express' website | Best for Everyday spending | $0 | 1%-3% | $200 | Apply Nowon American Express' website on American Express' website |
 Prime VisaApply Nowon Amazon.com's website on Amazon.com's website | Best for Amazon Prime Members | $0 | 1%-5% | $150 | Apply Nowon Amazon.com's website on Amazon.com's website |
 Bank of America® Customized Cash Rewards credit cardApply Nowon Bank of America's website on Bank of America's website | Best for 6% cash back in the first year | $0 | 1%-6% | $200 | Apply Nowon Bank of America's website on Bank of America's website |
 Wells Fargo Active Cash® CardApply Nowon Wells Fargo's website on Wells Fargo's website | Best for Maximum simplicity | $0 | 2% | $200 | Apply Nowon Wells Fargo's website on Wells Fargo's website |
 Discover it® Cash BackApply Nowon Discover's website, on Discover's website, or call 800-347-0264 | Best for Seasonal shopping + matching bonus | $0 | 1%-5% | Cashback Match™ | Apply Nowon Discover's website, on Discover's website, or call 800-347-0264 |
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Our pick for: Everyday spending
Rewards breakdown
Card details
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- View Rates & Fees
NerdWallet's take
The Blue Cash Everyday® Card from American Express earns 3% cash back on up to $6,000 spent per year on U.S. online retail purchases. At that rate, you could earn $180 in rewards a year on online spending alone. (Terms apply.)
Pros
3% cash back on U.S. online retail purchases, U.S. gas stations and U.S. supermarkets, on up to $6,000 in spending per year in each category; 1% back after that.
$0 annual fee.
Solid intro APR offer.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.
Terms apply.
Spending caps for the bonus rewards categories may be difficult to track.
Foreign transaction fee.
Terms apply.
Our pick for: Amazon Prime Members
Rewards breakdown
Card details
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
- View Rates & Fees
NerdWallet's take
If you're an Amazon Prime member who spends a lot with the internet's signature mega-retailer, the Prime Visa is close to a must-have thanks to its high rewards rates.
Earn an unlimited 5% back at Amazon.com and at Whole Foods Market, which is owned by Amazon.
Multiple reward redemption options, including as a credit toward future Amazon purchases.
Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
No foreign transaction fee.
The card itself has no annual fee, but to get it, you need a Prime membership, which costs $139 a year.
No intro APR offer.
Multiple rewards categories can be a lot to remember.
This card ordinarily pays 3% cash back in a category you choose (terms apply), with online shopping being one of those categories. In the first year, however, that top rate DOUBLES to 6% cash back. See details below.
Our pick for: 6% cash back in the first year
Rewards breakdown
Card details
- New offer! Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
NerdWallet's take
The Bank of America® Customized Cash Rewards credit card lets you choose which purchases earn 3% cash back, which doubles to 6% in the first year. Online shopping is one of the possible choices.
$0 annual fee.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back (6% in the first year) in your chosen category from a list and 2% back on grocery stores and wholesale clubs on the first $2,500 spent per quarter in those categories combined. All other spending earns 1%.
Possible 3% categories include: online shopping, dining, gas, travel, drugstores, or home improvement and furnishings.
Solid intro APR offer.
Preferred Rewards members can earn 25% to 75% more rewards.
Complicated rewards structure.
Rewards are capped on a quarterly basis. After hitting the cap, purchases earn just 1% back.
Foreign transaction fee.
Our pick for: Maximum simplicity
Rewards breakdown
Card details
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- View Rates & Fees
NerdWallet's take
The Wells Fargo Active Cash® Card is great for online shopping for the same reason it's great for offline shopping: It gives you 2% cash back on every eligible purchase, no matter where.
$0 annual fee.
Decent intro APR offer.
No caps on earned rewards.
Cell phone insurance.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Foreign transaction fee.
Some redemption options favor Wells Fargo banking customers.
Our pick for: Seasonal shopping + matching bonus
Rewards breakdown
Card details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount
- Apply and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- View Rates & Fees
NerdWallet's take
The Discover it® Cash Back earns 5% cash back in quarterly categories that you activate on up to $1,500 per quarter. (Activation required; other spending earns 1% back.) Those categories are often quite friendly to online shoppers.
$0 annual fee.
Bonus categories in the past have included Amazon and Target (including online purchases), as well as digital wallets like Apple Pay, which can be used at countless online retailers.
Solid intro APR offer.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300..
No foreign transaction fee.
Activating and tracking rotating bonus categories can be a hassle.
The rotating bonus categories have spending caps, and they might not be a good fit for everyone.
Discover’s acceptance outside of the U.S. is limited.
You must wait a year to collect the welcome offer.
FULL LIST OF EDITORIAL PICKS: BEST CREDIT CARDS FOR ONLINE SHOPPING
Before applying, confirm details on the issuer’s website.
Blue Cash Everyday® Card from American Express
Our pick for: Everyday spending
The Blue Cash Everyday® Card from American Express pays elevated rewards at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases. The rewards might not be as rich as on the Blue Cash Preferred® Card from American Express, but this card doesn't charge an annual fee either. New cardholders get a decent welcome offer and an introductory APR period. Read our review.
U.S. Bank Cash+® Visa Signature® Card
Our pick for: Flexibility and customization
If you don't mind putting some work into your rewards, check out the U.S. Bank Cash+® Visa Signature® Card. It might be the most customizable cash back card available. You pick which categories earn the most cash back — you get two 5% categories and a 2% category — and you can change those options every quarter. There's a good bonus offer for new cardholders, too. Read our review.
Prime Visa
Our pick for: Amazon Prime members
If you drop a lot of money at Amazon and/or Whole Foods Market, this is the card for you, with 5% back on such purchases, plus bonus rewards at restaurants and gas stations, plus local transit and commuting (including rideshare). There's no annual fee, but you have to be a Prime member, and that does have a fee. Read our review.
Wells Fargo Active Cash® Card
Our pick for: Maximum simplicity
Among flat-rate cash-back cards, you'll be hard-pressed to beat the Wells Fargo Active Cash® Card. It earns an unlimited 2% back on all purchases, which is excellent. But in addition, the card offers a rich sign-up bonus and a decent intro APR period on both purchases and balance transfers. That's an impressive, hard-to-find combination of features on a card with a $0 annual fee. Read our review.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Our pick for: Big spending with major retailers
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is tailor-made for consumers who spend a lot of money at retailers that don't fit into (or are specifically excluded from) the bonus categories offered by other credit cards. The card also offers a higher-than-usual rate on spending outside its bonus categories. The downside: There's an annual fee. Read our review.
Discover it® Cash Back
Our pick for: Seasonal shopping
The Discover it® Cash Back earns bonus cash back in quarterly categories that you activate. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and specific major retailers. Category activation can be a hassle, but if your spending aligns with those categories (and for most households, it probably will), you can rake in serious rewards. You also get the issuer's signature "cash-back match" bonus in your first year. Read our review.
Chase Freedom Flex®
Our pick for: Seasonal shopping
The Chase Freedom Flex® offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. There's a fantastic bonus offer for new cardholders and an intro APR offer, too. Read our review.
Bank of America® Customized Cash Rewards credit card
Our pick for: 0% intro APR period
The Bank of America® Customized Cash Rewards credit card gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel, home improvement and more. You also get bonus rewards at grocery stores and wholesale clubs, plus a great new-cardholder bonus offer. Read our review.
PayPal Cashback Mastercard®
Our pick for: PayPal power users
Earn unlimited 3% cash back on purchases made with the card through PayPal and unlimited 1.5% cash back on all other purchases. You'll need a PayPal account, but if you're the sort of person this card appeals to, you probably already have one. Read our review.
Target Circle™ Credit Card
Our pick for: Target fans
Target's branded credit card doesn't give you rewards that require you to come back in order to use them. Instead, it gives you a 5% discount on just about everything, both in-store and online, as well as free shipping and extra time for returns. Read our review.
• • •
Things to know about online shopping rewards
Not all online spending is 'online shopping'
Just because you spent money online doesn't mean your credit card will give you bonus rewards tied to "online shopping." Each card issuer defines for itself what exactly counts as "online shopping," but in general, it means buying something on the web or through an app from a merchant that the credit card issuer recognizes as a retailer. (How does it know? It uses merchant category codes.) Payments for services don't usually count, nor do things like doctor bills, tax payments, alimony or child support and utility bills. Examples:
The Blue Cash Everyday® Card from American Express says its online shopping rewards apply only to purchases from a "U.S. retail merchant that sells physical goods and/or merchandise directly to consumers. Purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services are NOT eligible for additional rewards."
The Bank of America® Customized Cash Rewards credit card says it "includes online and mobile app purchases in a wide variety of merchant categories." It provides several examples (though not a full list) of the types of merchants that would qualify as well as specific retailer brands. It also offers a full page of exceptions.
Streaming isn't necessarily shopping
"Online shopping" and "online streaming" are not necessarily synonymous when it comes to credit card bonus categories. If you're looking for a card that specifically rewards the latter, see NerdWallet's best credit cards for streaming services.
• • •
To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.
Last updated on July 17, 2025
Methodology
NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.
About the author
Melissa Lambarena
Senior Writer & Content StrategistAbout the reviewer
Caitlin Mims
Editor & Content StrategistAbout the editor
