Best Credit Cards for Online Shopping

1. U.S. Bank Cash+™ Visa Signature® Card For Flexibility

Reward Rate:

5% cash back on 2 categories of your choice ($2,000 purchase limit per quarter)
2% cash back on your choice of one everyday category, such as gas stations or grocery stores
1% cash back on other purchases

Sign Up Bonus:

$150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.

Annual Fee:

$0

Regular Apr:

15.99% – 25.49% Variable

Credit Needed:

Good To Excellent 690 – 850

Intro Apr:

0% on Purchases and Balance Transfers for 12 billing cycles

U.S. Bank Cash+™ Visa Signature Card Review With Pro And Cons

2. Capital One® Venture® Rewards Credit Card – Best For Online Travel

Reward Rate:

2X miles earned for $1 spent on all purchases

Sign Up Bonus:

50,000 mile bonus after spending $3,000 in the first three months – $500 travel value

Annual Fee:

$95 First Year waived off

Regular Apr:

17.99% – 25.24% (Variable)

Credit Needed:

Good to excellent 700 – 850

Capital One Venture Rewards Credit Card Review With Pro And Cons

3. Amazon Prime Rewards Visa Signature Card – For Shopping at Amazon

Reward Rate:

5% back at Amazon.com and Whole Foods Market
2% back at restaurants, gas stations and drugstores
1% back on all other purchases

Sign Up Bonus:

$70 Amazon.com gift card upon credit card approval

Annual Fee:

$0

Regular Apr:

14.74% to 22.74% Variable

Credit Needed:

N/A

4. Discover it® Cash Back – Best overall

Reward Rate:

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.

Sign Up Bonus:

Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.

Annual Fee:

$0

Regular Apr:

14.24% – 25.24% Variable APR

Credit Needed:

690 – 850 Good to Excellent

Discover It Cash Back Review With Pro And Cons

5. Uber Visa Card – For food and travel

Reward Rate:

4 points per dollar on restaurants, takeout and bars, including UberEATS
3 points per dollar on airfare, hotels and vacation home rentals
2 points per dollar on online purchases, including Uber, online shopping, video and music streaming
1 point per dollar on other purchases
$50 credit for online subscription services each year you spend $5,000

Sign Up Bonus:

$100 after spending $500 in the first 90 days.

Annual Fee:

$0

Regular Apr:

17.99-28.74% (variable)

Credit Needed:

690 – 850 Good to Excellent

6. Bank of America® Premium Rewards® credit card – For Big Spenders

Reward Rate:

Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase

Sign Up Bonus:

50,000 bonus points after spending $3,000 in the first 90 days of account opening.

Annual Fee:

$95

Regular Apr:

18.24% – 25.24% Variable APR

Credit Needed:

690 – 850 Good to Excellent

 

7. Citi® Double Cash Card – Flat Rate Card

Reward Rate:

Earn 2% cash back, 1% on every purchase and another 1% as you pay for those purchases

Sign Up Bonus:

None

Annual Fee:

$0

Regular Apr:

15.99% – 25.99% Variable APR

Intro Apr:

0% on Balance Transfers for 18 months

Credit Needed:

700 – 850 Good to Excellent

Citi Double Cash Card Review With Pro And Cons

8. Discover it® Student Cash Back – Best For Students

Reward Rate:

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Sign Up Bonus:

Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.

Annual Fee:

$0

Regular Apr:

15.24% – 24.24% Variable APR

Credit Needed:

630 – 689

Discover It Student Cash Back Card Review With Pros And Cons

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