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The 10 Best Credit Cards for eBay Purchases [2024]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

306 Published Articles

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
Edited by: Keri Stooksbury
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Keri Stooksbury

Editor-in-Chief

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With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...

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You can buy nearly anything on eBay, one of the world’s largest marketplaces. You can also shop confidently on the site as it is one of the world’s oldest, having an online presence since 1995.

If you shop frequently on eBay, you’ll find interest in today’s article. It’s no secret we’re all about earning rewards on every possible purchase. And, with that premise as a foundation, sharing our take on the best credit cards to use when making eBay purchases seems highly appropriate.

A small purchase now and then may not add up to much, but if you’re purchasing regularly on eBay, you won’t want to lose out on those extra dollars or rewards points.

Read on as we explore some of the best cards for eBay purchases, both for earning the most rewards and for product protection after the purchase.

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The 10 Best Cards for eBay Purchases

*(Information collected independently. Not reviewed by Capital One.)

Paying for Purchases on eBay

Before we expand on how to earn rewards on eBay purchases, let’s review the types of payment methods allowed when shopping on the site.

After selecting the items you’re ready to purchase, you’ll be directed to checkout. As a buyer on the site, you’ll have the following payment options.

  • PayPal or PayPal Credit
  • Credit card or debit card
  • Apple Pay or Google Pay
  • Spendable funds (seller’s funds)
  • Payment upon pickup
  • Wire transfer arranged by eBay (for select categories only)
  • eBay gift cards, eBay vouchers, or eBay Bucks

Other payment modes may be available, depending on the individual seller.

We’ll focus on paying with credit cards that earn rewards for online shopping and have other purchase-related benefits. This includes credit cards linked to PayPal and mobile wallets.

Bottom Line:

There are several opportunities for earning rewards on eBay purchases based on the payment method you select at checkout. The payment options with the most earning potential include PayPal, credit cards with elevated online shopping earnings, and eBay gift cards purchased with bonus-earning credit cards.

The 10 Best Credit Cards for eBay Purchases — Overview

Before looking closer at some of the top cards for eBay purchases, we’ve summarized the cards we’ll cover in the table below.

Here are the highlights of the best cards for purchasing on eBay:

SCROLL FOR MORE
CardWelcome Offer and Annual FeeTop eBay Benefits
Blue Cash Everyday® Card from American Express
  • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
  • $0 annual fee (rates & fees)
  • 3% cash-back on U.S. online retail purchases, on up to $6,000 per year, then 1%
  • Purchase protection
  • 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% - 29.99% variable APR (rates & fees)
Bank of America® Customized Cash Rewards credit card
  • Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • $0 annual fee
  • 3% cash-back when selecting online shopping as a bonus category
  • 0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
Citi Double Cash® Card
  • Earn $200 cash back after spending $1,500 in the first 6 months.
  • $0 annual fee
  • 2% total cash-back on all purchases (1% when purchasing and 1% when paying off the purchase)
  • 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%
Wells Fargo Active Cash® Card
  • 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 thereafter
  • $0 annual fee
  • 2% cash-back on all purchases
  • 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 thereafter
eBay Mastercard
  • Varies, either a modest statement credit after the first purchase or no welcome offer
  • $0 annual fee
3x points up to $1,000 each year, then 5x points
PayPal Cashback Mastercard
  • No welcome offer
  • $0 annual fee
3% cash-back on PayPal purchases
Capital One Venture X Rewards Credit Card 
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • $395 (rates & fees)
  • 2x miles on all purchases
  • Purchase security, extended warranty, return protection
Capital One Venture X Business Card

(Information was collected independently. Not reviewed by Capital One.)

  • Earn 150,000 miles once you spend $30,000 in the first 3 months from account opening.
  • $395 (rates & fees)
  • 2x miles on all purchases
  • Purchase security, extended warranty, return protection
The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • $0 annual fee (rates & fees)
  • 2x points on all purchases up to $50,000 per year
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%(rates & fees)
  • Purchase protection, extended warranty
Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • $0 annual fee
  • 1.5% cash-back on all purchases
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Purchase protection, extended warranty

The 7 Best Personal Credit Cards for eBay Purchases

Now, let’s look at some of the best personal cards for earning rewards on eBay purchases. We’ll also include cards that offer introductory 0% APR periods for purchases.

Amex Blue Cash Everyday Card (Best for Cash-Back on U.S. Online Retail Purchases)

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Everyday® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros

  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
  • Monthly credit towards The Disney Bundle
  • Monthly credit towards Home Chef

Cons

  • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% 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.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

The Amex Blue Cash Everyday card is one of the few no-annual-fee cards to earn 3% cash-back at U.S. online retailers like eBay. You may be able to save money on interest charges when paying off large purchase(s) over time with the card’s introductory APR period for purchases.

Why We Like the Card

  • $0 annual fee
  • 3% cash-back on up to $6,000 for U.S. retailer online shopping purchases each year, then 1%
  • Additional 3% earning categories include U.S. supermarkets and U.S. gas stations (the $6,000 limit each year applies to all 3% categories combined)
  • Accumulate cash-back and redeem for a statement credit, gift cards, shopping at Amazon, and more
  • 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% - 29.99% variable APR
  • Purchase protection for up to 90 days from the date of purchase
Hot Tip:

Receive elevated earnings purchasing eBay gift cards using a card that has bonus earnings at gas stations, supermarkets, wholesale clubs, office supply stores, and other retailers where eBay gift cards are sold. You can then use the gift cards when checking out on eBay. Learn more about the best credit cards for purchasing gift cards in our related article.

Bank of America Cash Rewards Card (Best for Cash-Back in Category of Your Choice)

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.

Bank of America® Customized Cash Rewards credit card

The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200
$0
0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re looking to the rake in the cash-back rewards, then the Bank of America® Customized Cash Rewards Credit Card is a great option. Not only do you get to choose the 3% category for the card, but you can also boost the cash-back you earn by being a member of the Bank of America Preferred Rewards program.

Pros

  • 3% cash-back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (your category can be changed each month)
  • 2% cash-back at grocery stores and wholesale clubs
  • 1% cash-back on all other purchases
  • No annual fee
  • Boost your rewards rate with the Bank of America Preferred Rewards program

Cons

  • 3% and 2% cash-back categories are limited to the first $2,500 in combined purchases each quarter, then you’ll earn 1%
  • Charges a foreign transaction 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 in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined quarterly purchases) and unlimited 1% on all other purchases.
  • If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24%-28.24% Variable APR will apply. A 3% fee applies to all balance transfers in the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
  • 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.

Financial Snapshot

  • APR: 0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
  • Foreign Transaction Fees: 3%

Card Categories

The Bank of America Cash Rewards card requires you to select a category each quarter to earn 3% cash-back. If you use the card for eBay purchases, that’s up to $75 in additional cash each quarter!

Why We Like the Card

  • $0 annual fee
  • 3% cash-back on the category of your choice from select categories each quarter on a maximum of $2,500 in purchases each quarter, then 1%
  • 2% cash-back at grocery stores and wholesale clubs (also included in the maximin $2,500/quarter limit for 3% and 2% categories, then 1%)
  • Up to 75% more earnings for eligible Bank of America Preferred Rewards members
  • Redeem cash-back for travel, statement credits, a check, or transfer to an eligible Bank of America account
  • 0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
  • Museums on Us program for free admission to select museums on promotion weekends

Citi Double Cash Card (Best for Cash-Back & 0% APR on Balance Transfers for 18 Months

Citi Double Cash® Card

Citi Double Cash® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)

Citi Double Cash® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)

The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros

  • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
  • Flexible redemption options
  • No annual fee

Cons

  • No bonus categories
  • 3% foreign transaction fees
  • Lack of premium travel benefits
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Financial Snapshot

  • APR: 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Card Categories

Rewards Center

Citi ThankYou Rewards

You can’t beat the simplicity of the Citi Double Cash card. The card delivers that option if you want to earn 2% total cash-back (1% cash-back when making a purchase, 1% additional cash-back when paying for the purchase) on every eBay purchase and not worry about quarterly bonus categories or selecting an earning preference.

Why We Like the Card

  • $0 annual fee
  • 1% cash-back when making a purchase, 1% additional cash-back when paying for the purchase
  • 5% cash-back on select Citi Travel bookings through December 2024
  • 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%
  • Cash-back is earned first as ThankYou points that can be redeemed for travel
  • Cash-back can be redeemed for a statement credit, direct deposit, or a check

Wells Fargo Active Cash Card (Best for 2% Cash-Back & 0% Intro APR)

Wells Fargo Active Cash® CardRates & Fees

Wells Fargo Active Cash® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wells Fargo Active Cash card earns 2% cash rewards on purchases with no annual fee.

Learn More(at Wells Fargo's secure site)

Wells Fargo Active Cash® Card

The Wells Fargo Active Cash card earns 2% cash rewards on purchases with no annual fee.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
$200 cash rewards bonus
$0
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Pros

  • Earn unlimited 2% cash rewards on purchases
  • No annual fee
  • 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 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
  • Cell phone protection

Cons

  • No bonus categories for those who want to optimize certain purchases
  • Select “Learn More” to take advantage of this specific 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 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% 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.

Financial Snapshot

  • APR: 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter.
  • Foreign Transaction Fees: 3% of each transaction converted to U.S. dollars.

Card Categories

Finding a card that earns 2% cash rewards on every purchase with $0 annual fee takes simplicity to a higher level. Plus, if you have large purchases coming up, the Wells Fargo Active Cash Card can help you save money on interest charges with a special introductory 0% APR period.

Why We Like the Card

  • $0 annual fee
  • Unlimited 2% cash rewards earnings on every purchase
  • 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 thereafter
  • Cell phone protection

eBay Card (Best for Earning Rewards To Redeem for eBay Purchases)

The eBay card is available to those who have an existing eBay account and do not currently have any other version of the eBay card. Points earned on the card can be redeemed for eBay purchases at the rate of 1,500 points equaling $10.

Why We Like the Card

  • $0 annual fee
  • 3x points on the first $1,000 spent on eBay each year
  • 5x points on purchases after the first $1,000 spent each year
  • 2x points at gas stations, restaurants, grocery stores
  • Redeem for eBay purchases

PayPal Cashback Card (Best for 2% Cash-Back & Using PayPal for eBay Purchases)

You can use the PayPal Cashback card anywhere Mastercard is accepted. Although the card does not come with a welcome offer, it has strong earnings on purchases made with PayPal and on all other purchases.

Why We Like the Card

  • $0 annual fee
  • 3% cash-back when using PayPal at checkout
  • 2% cash-back on all other purchases
  • Cash-back earnings are unlimited
Hot Tip:

PayPal is a common category for cards that offer quarterly bonus earning categories. Using a Chase Freedom Flex℠, Citi® Dividend Platinum Select® Visa® Card, or Discover it® Cash Back Card as your linked card when PayPal is a bonus category can earn 5% cash-back when using PayPal during eBay checkout!

Capital One Venture X Card (Best for Premium Benefits & Purchase Protections)

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry or TSA PreCheck credit
  • Add authorized users for no additional annual fee (rates & fees)
  • No foreign transaction fees (rates & fees)

 

Cons

  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

 

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

The Capital One Venture X card is designed for the traveler. The card comes with travel protections and benefits that can add tremendous value.

Because the card earns 2x miles on every purchase, it’s also a great card to use for eBay purchases. Plus, eligible items purchased with the card may qualify for product protection.

Why We Like the Card

  • 2x miles on every purchase, including eBay purchases
  • Purchase security, extended warranty, return protection
  • Up to 10x miles on select travel purchases via Capital One Travel
  • $300 statement credit for travel purchases each year via Capital One Travel
  • Global lounge access to over 1,400 properties
  • Up to $100 reimbursement for Global Entry/TSA PreCheck
  • 10,000-mile bonus at card anniversary

The 3 Best Business Credit Cards for eBay Purchases

If your business purchases items through eBay, you’ll want to have a business credit card that earns rewards.

Here are just a few of the best business cards you can count on to earn rewards on those purchases.

Capital One Venture X Business Card (Best Business Card for Premium Benefits & Purchase Protections)

Capital One Venture X Business Card

Capital One Venture X Business Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.

Capital One Venture X Business Card

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
150,000 miles
$2,700
$395
All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.

The information regarding the Capital One Venture X Business card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.

From 2x miles on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • 10,000 bonus miles awarded on your account anniversary each year
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and Priority Pass lounges
  • Global Entry or TSA PreCheck credit
  • No-additional-fee employee cards (rates and fees)
  • No preset spending limit
  • No foreign transaction fees (rates and fees)

Cons

  • $395 annual fee (rates and fees)
  • 10x and 5x bonus categories are limited to Capital One Travel bookings
  • Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
  • This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
  • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you’ll get the best prices on thousands of options
  • Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
  • This is a pay-in-full card, so your balance is due in full every month
  • Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking

Financial Snapshot

  • APR: All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

There are so many ways to find value with this premium rewards travel card. If your business shops on eBay, the Capital One Venture X Business card will serve a dual purpose of earning well on those purchases and earning and redeeming travel rewards.

Why We Like the Card

Amex Blue Business Plus Card (Best Business Card for $0 Annual Fee & Intro APR Offer)

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees

The Blue Business® Plus Credit Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros

  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost

Cons

  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
  • Charges foreign transaction fees
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

American Express Membership Rewards

With 2x earnings, an introductory 0% Intro APR period for purchases, and product protection, we like the Amex Blue Business Plus card for eBay purchases. The fact that the card earns flexible Membership Rewards points and has no annual fee makes it a top consideration for a business that purchases on eBay.

Why We Like the Card

  • $0 annual fee
  • 2x Membership Rewards points on every purchase, up to $50,000 in purchases each year, then 1 point per dollar spent
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
  • Purchase protection, extended warranty
  • Membership Rewards points can be redeemed for travel via AmexTravel.com or transferred to airline and hotel partners for greater potential value

Ink Business Unlimited Card (Best Business Card for $0 Annual Fee & Transferrable Rewards)

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Earning valuable and flexible Ultimate Rewards points is one of the best features of the Ink Business Unlimited card. The fact that you can earn flexible rewards on a card with $0 annual fee is even better.

Why We Like the Card

  • $0 annual fee
  • 1.5% unlimited earnings on every purchase
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Purchase protection and extended warranty coverage
  • Points can be transferred to premium Chase cards such as the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® and redeemed for up to 1.5 cents each for travel or transferred to airline and hotel partners for even greater potential value.

The Best Credit Cards to Consider for eBay Product Protection

While eBay buyer protection may cover the initial purchase and receipt of your purchased items, coverage included on your credit card could offer ongoing coverage of eligible items.

Access to purchase protection, extended warranty coverage, and return protection may come in handy if something goes wrong.

  • Purchase Protection — Provides coverage for damage, theft, and potentially lost eligible items. The coverage is normally for 2 to 3 months immediately following the purchase date.
  • Extended Warranty — Eligible items with manufacturer’s warranties will have the warranty extended an additional year or other stated period.
  • Return Protection — You could receive reimbursement if you purchased an eligible item with your card, and the merchant won’t accept it as a return within a stated period.

While several credit cards come with purchase protection and extended warranty coverage, select premium rewards cards will also come with return protection.

Cards that include all 3 coverages include The Platinum Card® from American Express, The Business Platinum Card® from American Express, the Chase Sapphire Reserve card, the Capital One Venture X card, and the Capital One Venture X Business card.

Product Protection by Card Issuer

Here’s a quick overview of the product protection you’ll find by card issuer for these select premium cards:

SCROLL FOR MORE
BenefitAmerican ExpressChaseCapital One
Purchase Protection/Security90 days from the date of purchase; up to $10,000 per item and up to $50,000 per eligible card120 days, up to $500 per item, up to $50,000 per account90 days from the date of purchase; up to $10,000 per item and up to $50,000 per cardholder
Extended Warranty1 additional year for items with warranties 5 years or less, $10,000 per eligible purchase, $50,000 per card1 additional year for items with warranties of 3 years or less, up to $10,000 per claim, $50,000 per accountExtended warranty coverage included
Return Protection90 days, up to $300 per item, $1,000 per account/per year90 days, up to $500 per item, up to $1,000 per yearUp to 90 days, no stated limit for reimbursement

It’s important to note that many types of items are excluded from card product protections. These excluded items can include used items, software, medical equipment, motor vehicles, antiques, and items you have purchased for resale.

Plenty of terms and conditions can be found in each card’s Guide to Benefits.

Bottom Line:

Product protection may be important to eBay purchasers. A premium card offering the protection trifecta of purchase protection, extended warranty, and return protection can provide peace of mind for many of the items you purchase and for a period well beyond the purchase date.

Final Thoughts

If you purchase a few minor items each year, it probably doesn’t matter much which credit card you use to make your eBay purchase. However, selecting a card that has product protection could be beneficial if something goes wrong with an eligible item.

If you’re shopping frequently on the site, you could be earning valuable rewards that could be used for travel, cash-back, or other items of economic value. Plus, with more items at risk, using a card with product protection could be of even greater importance.

Finding rewards cards with online shopping as a bonus-earning category is becoming more common. If you spend a lot online, you’ll also want to check out our recommendations for the best cards for online shopping.


For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the purchase protection benefit of The Blue Business® Plus Credit Card from American Express when an American Express® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Blue Business® Plus Credit Card from American Express, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Blue Cash Everyday® Card from American Express, when an American Express® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of The Platinum Card® from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of The Business Platinum Card® from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Platinum Card® from American Express, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Business Platinum Card® from American Express, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the return protection benefit of The Platinum Card® from American Express, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

For the return protection benefit of The Business Platinum Card® from American Express, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Bank of America® Customized Cash Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Discover it® Cash Back Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.

Frequently Asked Questions

Which cards are the best for eBay purchases?

Any card that earns more than 1x earnings (or 1% cash-back) could be a potential choice for an occasional eBay purchase. If you purchase frequently from eBay, selecting a card that earns either 2x or 3x earnings and has purchase protection, extended warranty, and/or return protection would make a better choice.

Is the eBay Mastercard a good card?

The eBay card earns well on eBay purchases. One downside of the card is that rewards earned on the card must be redeemed for eBay purchases. The card also does not have any product protections.

Does eBay take American Express cards?

Yes, eBay accepts American Express, Visa, Mastercard, Discover, PayPal, Apple Pay, Google Pay, and more.

If I use PayPal on eBay, will I receive credit card rewards?

If the credit card you have linked to your PayPal account earns rewards for online shopping, PayPal, or a set amount on every general purchase, you will earn the rewards applicable to the categories on the card.

Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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