10 Best Credit Cards For Online Shopping In April 2024

The Chase Freedom Flex℠* lets cardholders who activate category bonuses earn 5% cash back on up to $1,500 of spending each quarter. New applicants can qualify for a generous welcome bonus and can get a substantial intro APR offer on purchases.

Rewards: Earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.

Welcome offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

Annual fee: $0

Other benefits or drawbacks: The Chase Freedom Flex℠* comes with purchase protection against damage or theft and extended warranties on eligible items that come with a manufacturer’s warranty, which could give you some added security when shopping online.

If you already pay for a membership with Amazon Prime, you should consider signing up for the Prime Visa. The card doesn’t charge an annual fee but Prime membership, starting at $139 per year, is required to be eligible for the card and earn the highest rate at Amazon.com and Whole Foods.

Rewards: Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and 1% back on other purchases.

Welcome offer: Earn a $100 Amazon gift card upon approval with an eligible Prime membership.

Annual fee: $0

Other benefits and drawbacks: No other card offers better rewards for Amazon and Whole Foods spending. But if you don’t shop at Amazon or you’re not a Prime member, this card likely isn’t the best fit for you.

Many would view The Platinum Card® from American Express (terms apply, see rates & fees) as a premium travel card. But the sizable statement credit put this card onto our Best Of list.

Rewards: Earn 5 Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 80,000 Membership Rewards Points after spending $8,000 on purchases on the card in the first 6 months of card membership.

Annual fee: $695

Other benefits and drawbacks: The Platinum Card® from American Express has a number of shopping benefits which, for those who know how to maximize what the Platinum card offers, can easily offset the steep annual fee. Of particular note for shoppers are monthly statement credits applied toward Walmart+ when you charge your subscription to the card each month. You’ll also earn up to $100 in annual statement credits when shopping at Saks Fifth Avenue (enrollment required). Additionally, Amex Offers come around every so often giving cash back discounts loaded onto your credit card.

Be aware of the oversized annual fee, not every shopper will earn enough or use the benefits needed to make the fee worth your shopping savings.

The Discover it® Cash Back offers rotating 5% quarterly categories (up to a quarterly maximum of $1,500 in spending when activated) where you can earn everywhere from restaurants to Target. Also, this credit card offers a unique welcome bonus, by matching the cash back earned at the end of your first year. This means that if you earned $400 cash back in year one, you’ll get an additional $400 cash back bonus for a total of $800.

Rewards: Earn 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Welcome offer: Discover will automatically match all the cash back earned at the end of the first year as a cardmember. There's no minimum spending or maximum rewards.

Annual fee: $0

Other benefits and drawbacks: Discover’s 5% cash back is capped at $1,500 per quarter, or $75 in rewards. This means that after you’ve hit that limit, the earnings go back down to 1%.

The Bank of America® Customized Cash Rewards credit card offers several categories to choose from to earn increased cash back up to the combined quarterly cap, and one of those categories is online shopping. This choose-your-own rewards structure is great for someone who may do a lot of online shopping one month but spend more money elsewhere the next month.

Rewards: Earn 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of account opening.

Annual fee: $0

Other benefits and drawbacks: With Bank of America’s Preferred Rewards program, those earning rates can be increased by 25% to 75% by keeping a significant chunk of cash in eligible accounts. Without Preferred Rewards, other cards may offer better return for your spending. Also note that if you do have varied spending, you’re not going to get your money’s worth unless you remember to set your bonus categories each month and track how much you’re spending.

The Wells Fargo Active Cash® Card earns simple cash rewards on every purchase, eliminating the need to track categories or spending caps. The introductory 0% APR offer could be helpful for those making a big purchase. Get a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies.

Rewards: Earn 2% cash rewards on purchases.

Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Annual fee: $0

Other benefits and drawbacks: The card comes with up to $600 of cellphone protection against damage or theft when you pay your monthly cell phone bill with your card, subject to a $25 deductible. But the card’s 3% foreign transaction fee means it’s not a great choice for shopping overseas.

The U.S. Bank Cash+® Visa Signature® Card lets you select which eligible categories will earn higher rewards each quarter, and many of the bonus category options make sense for online shopping. For example, “electronics stores” include most online purchases from BestBuy.com and the Apple Store and “department stores” include online purchases from Kohl’s and Macy’s also qualify.

Rewards: Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center, 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice, 2% cash back on one everyday category such as gas stations, grocery stores or restaurants, and 1% cash back on all other eligible purchases.

Welcome offer: Earn a $200 rewards bonus after spending $1,000 on eligible purchases within the first 120 days of account opening.

Annual fee: $0

Other benefits or drawbacks: The generous intro APR on purchases may also prove helpful if you have large upcoming purchases. The card has the ability to offer solid cash back, especially when paired with other credit cards, but it may take some effort to maximize. The biggest potential downside is the spending cap in your chosen categories each quarter.

The Capital One Walmart Rewards® Mastercard®* can be a great choice for anyone who regularly shops at the superstore, but stands out specifically for online shoppers who choose pickup or delivery.

Rewards: Earn 5% cash back on purchases made at Walmart.com and the Walmart app, including grocery pickup and delivery, 2% cash back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA fuel stations and 1% back everywhere else.

Welcome offer: Earn a 5% cash back on purchases made in Walmart stores for the first 12 months of account opening when using the Capital One Walmart Rewards card with Walmart Pay.

Annual fee: $0

Other benefits and drawbacks: Cardholders can earn a sweet intro bonus if you’re willing to use Walmart Pay. After the first year, Walmart loyalists will enjoy spectacular earnings every time they shop at Walmart.com and choose to have their order delivered or prepared for in-person pickup. That reward rate may be hard to pass up; and for a co-branded store card, this one offers several redemption options. But if you prefer to shop in person, this card may not be your best long-term earning option.

With 3% cash back at grocery stores, gas stations and online retail in the U.S., the Blue Cash Everyday® Card from American Express (terms apply, see rates & fees) is an uncomplicated cash-back credit card with a powerful rewards structure and no annual fee.

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year in purchases, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits or at Amazon.com checkout.

Welcome offer: Earn a $200 statement credit after spending $2,000 on purchases within the first 6 months.

Annual fee: $0

Other benefits or drawbacks: Apart from the cash-back earnings, this card also earns up to $84 in annual statement credits off the Disney Bundle (enrollment required) and up to $180 a year in statement credits from Home Chef (enrollment required). Earning these types of cash back on a no annual fee card with such a strong cash-back earning structure is a rare find. Rewards are capped so there is a ceiling on how much you can earn. But unlike many cards rewards max out at an annual spend of $6,000 per category. The card also has an introductory APR offer on purchases and balance transfers: 0% intro APR for 15 months on purchases and on balance transfers requested within 60 days of account opening, followed by a variable APR of 19.24%-29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies.

The Target RedCard™ Credit Card* hits the bulls-eye for those who frequently shop at Target. You’re likely to find almost everything you could need in-store or through the online site, and card ownership means an upfront discount.

Rewards: Get 5% off on purchases at Target in store or online purchases.

Welcome offer: Earn a $50 credit towards a qualifying purchase of $50 or more upon approval for the card.

Annual fee: $0

Other benefits and drawbacks: Since it’s a store card, it can’t be used outside of the Target ecosystem. But, it does provide a 5% discount on nearly all Target purchases, free two-day shipping on Target.com and extended returns for 30 extra days in-store or online. Some applicants may be approved for a Mastercard version of the card, which builds in flexibility to spend outside of Target and even earn rewards on those purchases.

If you’re a business owner who spends a lot of money on Amazon Business, AWS, Amazon.com or Whole Foods Market, consider applying for the Amazon Business Prime American Express Card*. Not only will you earn a higher cash-back rate when you use the card to buy eligible Amazon purchases, but you can also earn a $125 Amazon.com gift card upon approval.

Rewards: Earn 5% back in rewards or 90 day terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods on the first $120,000 spent in a calendar year with an eligible Prime membership, 1% thereafter. Earn 2% at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers and 1% on other purchases.

Welcome Bonus: Earn a $125 Amazon.com gift card upon approval.

Annual Fee: $0

Other Benefits and Drawbacks: The highest rewards rate is capped at $120,000 in purchases each calendar year so bigger spenders may fare better with a different option. Cardholders also have the option to select a 90-day financing option in lieu of earning rewards, it’s a great way to get interest-free breathing room on spending. However, as with the Prime Visa a Prime membership is required to be eligible for the card and earn the full 5% cash back.