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The 13 Best Credit Cards for Online Shopping and Purchases [2023]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

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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...
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Juan Ruiz

Compliance Editor & Content Contributor

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Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...
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Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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While it’s important to support the businesses in our local community as much as we can, the relative convenience and safety of shopping online are undeniably pushing the volume of online sales to new levels.

In fact, according to market research and analysis company Statista, nearly 256 million people (most of the U.S. population) have shopped online. If we dig deeper, we find that over 200 million people visit online retail giant Amazon’s website to shop each month.

Shopping frequently online, like shopping at your local retailer, is a major rewards-earning opportunity that shouldn’t be missed.

But which card offers the most rewards for your online purchases and should you consider other factors like card annual fee and the best welcome bonus offer when selecting a rewards-earning credit card?

We’ll answer those questions plus provide our take on some of the best cards to use for your online shopping purchases.

Let’s get started.

The 13 Best Credit Cards for Online Shopping — Overview

There are certainly a lot of ways to earn rewards for online shopping purchases. Before we detail our featured cards, let’s preview the cards’ earning opportunities and benefits and protections that may apply to items you purchase online.

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CardWelcome Offer and Annual FeeBenefits for Online Shopping
Blue Cash Everyday® Card from American Express
  • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
  • Annual fee of $0 (rates & fees)

3% cash-back on U.S. online retail purchases, on up to $6,000 per year, then 1%

Chase Freedom Unlimited®
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Annual fee of $0
  • 1.5% cash-back on every purchase
  • 3% cash-back at drugstores that may sell online merchant gift cards
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Purchase protection, extended warranty
Capital One Venture Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95 (rates & fees)

2x miles on every purchase

Citi Double Cash® Card
  • Earn $200 cash back after spending $1,500 in the first 6 months.
  • Annual fee of $0

2% cash-back on every purchase (1% cash-back when you buy and 1% cash-back as you pay)

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.
  • Annual fee of $0

3% cash-back on your choice of bonus categories, which includes online purchases

The Hilton Honors American Express Surpass® Card
  • Earn 130,000 points after spending $3,000 in the first 6 months.
  • Annual fee of $150 (rates & fees)

4x points on U.S. online retail purchases

The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
  • $100 annual Saks Fifth Avenue credit, Walmart+ membership (enrollment required)
  • Purchase protection, extended warranty, return protection
Chase Freedom Flex℠
  • Earn a $200 bonus after you spend $500 on purchases in your first 3 months.
  • Annual fee of $0
  • 5% cash-back on quarterly bonus category merchants
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • 3% cash-back at drugstores that may sell online retailer gift cards
  • Purchase protection, extended warranty
Prime Visa card
  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Annual fee of $0
  • 5% back on Amazon purchases and Whole Foods
  • Purchase protection, extended warranty
U.S. Bank Cash+® Visa Signature® Card
  • Earn a $200 bonus after spending $1,000 on eligible purchases within the first 120 days.
  • Annual fee of $0
  • 5% cash-back in your choice of 11 categories (which can include online merchants)
  • Purchase protection, extended warranty
The Business Platinum Card® from American Express
  • OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
  • Annual fee of $695 (rates & fees)
  • Up to $400 annual Dell Technologies credit
  • 1.5x earnings on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (cap applies)
  • Purchase protection, extended warranty, return protection
American Express® Business Gold Card
  • CARD REFRESH: Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
  • Annual fee of $375 (rates & fees)
  • 4x points on your 2 highest purchase categories each month up to $150,000 each calendar year
  • Purchase protection, extended warranty
Ink Business Cash® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
  • 5% cash-back for online purchases with office supply stores
  • Purchase protection, extended warranty

Hot Tip: Don’t forget that online travel purchases can also earn big rewards. That’s a topic we’re passionate about and one at which we work endlessly to provide informative resources. Check out our recommendations for the best credit cards to earn rewards on every travel purchase.

The 6 Best Personal Credit Cards for Any Online Shopping Purchase

No need to purchase from a specific retailer to earn rewards on these cards as every purchase you make, including online purchases, earns points, miles, or cash-back.

Blue Cash Everyday® Card from American Express

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)

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

You’ll earn 3% cash-back on U.S. online retail purchases, on up to $6,000 per year, then 1%. Examples of purchases that will earn additional rewards with the Amex Blue Cash Everyday card include, but are not limited to:

  • Apparel, footwear, and accessories stores
  • Auto and home supply stores
  • Book stores
  • Computer and electronics stores
  • Department stores
  • Drug stores

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

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 all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Up to $300 cash back
$0
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)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Ultimate Rewards
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
  • No annual fee
  • Earn big on travel purchased through Chase Ultimate Rewards
  • Everyday bonus on dining and drugstores
  • Straightforward cash-back on all other purchases
  • Ability to pool points

Cons

  • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

You’ll earn 1.5% cash-back with the Freedom Unlimited card on every purchase you make online — or anywhere. You’ll also earn 3% cash-back at drugstores that may sell online merchant gift cards.

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture 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.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
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.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fees (rates & fees)
  • Access to Capital One transfer partners

Cons

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

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

Card Categories

Rewards Center

Capital One Miles

Earning rewards on the Capital One Venture card is easy as you automatically earn 2x miles on every purchase.

Citi Double Cash® Card

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

Receive a total of 2% cash-back on every purchase you make with the Citi Double Cash card, including online purchases. You’ll receive 1% cash-back when you make the purchase and an additional 1% back when you pay it off.

Bank of America® Customized Cash Rewards Credit Card

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 18 billing cycles for purchases. Variable rate of 16.24% - 26.24% 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.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% – 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • 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 18 billing cycles for purchases. Variable rate of 16.24% - 26.24% applies thereafter.
  • Foreign Transaction Fees: 3%

Card Categories

With the Bank of America Customized Cash Rewards card, earn a generous 3% cash-back on your choice of bonus categories, which includes online purchases.

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees

Hilton Honors American Express Surpass® 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.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Learn More(at Amex's secure site)

Hilton Honors American Express Surpass® Card

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
130,000 points
$650
$150
20.99%-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.
Good to Excellent (670-850)

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros

  • 12x points per $1 at Hilton hotels
  • 6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points per $1 at U.S. online retail purchases
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Honors Gold status
  • No foreign transaction fees

Cons

  • Annual fee of $150.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors

The Hilton Surpass card Is a great option for Hilton loyalists looking to boost their balances of Hilton Honors points, as it earns 4x points on all U.S. online retail purchases.

The 4 Best Personal Credit Cards for Purchases With Specific Online Retailers

While we’re all familiar with bonus-category earning on credit cards that earn rewards, statement credits for specific purchases have become a trending incentive to facilitate those purchases with specific retailers.

Here are some prime examples of cards that offer big incentives for frequenting select online retailers.

The Platinum Card® from American Express

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Platinum 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.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

The Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
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 cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with American Express Travel
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is best for shopping at online retailers. The card also comes with a free ShopRunner membership that provides complimentary 2-day shipping at select retail partners.

Hot Tip: For additional earnings and/or statement credits when making specific online shopping purchases, be sure to access your Amex Offers. Log in to your online Amex card account, scroll down, and select from up to 100 current offers. Add the offer to your card then complete the purchase to receive the elevated earnings or statement credits worth hundreds of dollars.

Chase Freedom Flex℠

Chase Freedom Flex℠

Chase Freedom Flex℠

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 Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
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)

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
  • No annual fee
  • Excellent cell phone insurance
  • Ability to pool points
  • Mastercard World Elite benefits

Cons

  • 3% foreign transaction fees in U.S. dollars
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

With quarterly bonus earning categories that can include online merchants, this card could be your go-to card for online shopping. It’s not unusual to find online retailers listed as bonus categories that earn 5% cash-back on up to $1,500 in combined purchases each quarter.

Another benefit of the Freedom Flex card is that eligible purchases of products purchased online (or from brick-and-mortar merchants) could qualify for the card’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.

In addition to quarterly bonus categories that include retailers, you may be able to purchase retail gift cards to use for online shopping at other quarterly bonus category merchants selling gift cards such as supermarkets, drugstores, home improvement stores, office supply stores, and more.

Hot Tip: Check your Chase Offers for additional savings and cash-back when purchasing from specific retailers. Chase Offers can be found by logging in to your Chase card account online and viewing the offers on your home page. Add the offer to your card, make the specific purchase, and the credit will be applied to your account. 

Prime Visa Card

Prime Visa Card

Prime Visa 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.

A strong rewards card if you shop regularly at Amazon.com and Whole Foods.

Learn More(at Amazon.com)

Prime Visa Card

A strong rewards card if you shop regularly at Amazon.com and Whole Foods.
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
$100 Amazon Gift Card
$100
$0
19.49% - 27.49% Variable

We all do our fair share of shopping on Amazon, some of us more than others, and when we shop with Amazon, we obviously want to get the best deal possible. Now, with the Prime Visa Card, you can add a credit card to your wallet that will help you do just that.

You’ll not only earn rewards on all of your Amazon and Whole Foods purchases, but on 4 other bonus categories as well, along with flexible redemption options, all for no annual fee!

When you consider everything that the Prime Visa card offers, it is basically a no-brainer for those who frequently shop with Amazon. Let’s dig a little deeper to see just how much the card can save you.

Pros

  • Earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Earn 2% back at gas stations, restaurants and on local transit and commuting (including rideshare)
  • Earn 1% back on all other purchases
  • No annual fee
  • No foreign transaction fees
  • Flexible redemption options
  • Purchase protection/extended warranty protection
  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
  • Earn unlimited 5% back on Chase Travel purchases 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

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: $0

Card Categories

Amazon Prime members earn 5% back on Amazon and Whole Foods Market purchases with the Prime Visa card.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® 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.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

U.S. Bank Cash+® Visa Signature® Card

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
$0
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74% - 29.74% (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.
Good to Excellent (670-850)

The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros

  • 5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
  • 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
  • 2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
  • 1% cash-back on all other purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles; after that, a variable APR currently19.49 – 29.49%
  • No annual fee

Cons

  • Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
  • Cash-back for travel expenses must be made through the Rewards Center
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.74 – 29.74%
  • No Annual Fee
  • Terms and conditions apply.

Financial Snapshot

  • APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74% - 29.74% (Variable).
  • Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Card Categories

Earning big means selecting your own personal bonus categories. Cardholders of the U.S. Bank Cash+ Signature card earn 5% cash-back on online (and in-store) purchases with retailers such as department stores, sporting goods or clothing stores, electronic stores, and even furniture stores. Select 2 categories each quarter and you’ll be earning well on your online purchases made in those categories, up to $2,000 in purchases each quarter. Keep in mind that normally stores such as Walmart.com, Target.com, and warehouse club websites do not count as online department store purchases.

Hot Tip:

Several cards offer savings and statement credits for online food delivery/restaurant purchases. To learn more about the best credit cards for online food delivery or for restaurant and dining purchases, you’ll want to read our articles with all the information you need to select the right rewards-earning card for your purchase. 

The 3 Best Business Credit Cards for Online Shopping

The Business Platinum Card® from American Express

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Business Platinum 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 card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 27.49% 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.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card is the card of choice for shopping online with Dell with up to $400 in Dell statement credits annually. Receive a $200 statement credit for purchases from January through June and another $200 statement credit for purchases from July through December (Enrollment required).

You must activate the offer prior to your purchase by logging into your online card account and finding the offer in the Benefits section. Be sure to check your Amex Offers for potential additional savings offers on Dell purchases.

The card is also a great choice if you need to make a large purchase since you’ll earn 1.5x on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).

American Express® Business Gold Card

BEST FOR BONUSES
American Express® Business Gold CardTerms Apply / Rates & Fees

American Express® Business Gold 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.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)

American Express® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$375
19.49% - 27.49% 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.
Good to Excellent (670-850)

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros

  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
  • Purchase protection and extended warranty protection
  • Trip delay insurance
  • Car rental insurance
  • Cell phone insurance

Cons

  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

If you’re purchasing from electronic goods retailers online, this is one of the 4x earnings categories on the Amex Business Gold card. There is a limit of $150,000 in total 4x earnings purchases per calendar year.

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Ink Business Cash® 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.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Learn More(at Chase's secure site)

Ink Business Cash® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
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; 18.49% - 24.49% variable 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)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros

  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • Travel insurance and purchase protection
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • No annual fee

Cons

  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • 3% foreign transaction fees
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 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.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

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

Card Categories

Rewards Center

Chase Ultimate Rewards

Cardholders of the Ink Business Cash card that shop online at office supply stores, you’ll be earning 5% cash-back on every purchase, up to $25,000 in purchases each card anniversary year. You’ll also have access to a 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, as well as extended warranty and purchase protection coverage.

The Best Credit Cards for Online Shopping When You Value Product Protection

Earning rewards is great, but you may value product benefits and protections more. If so, you’ll want to consider these cards that excel in offering perks such as purchase protection, extended warranty, and more.

American Express Cards

You’ll find this trifecta of coverage for eligible items purchased with your card on several American Express cards. A sampling of Amex cards that offer this combination is the Amex Platinum card, Amex Business Platinum card, the Blue Cash Preferred® Card from American Express, and The Plum Card® from American Express.

  • Return Protection — If a merchant will not accept a return of an eligible item purchased with your card within 90 days, you could receive up to $300 per item, $1,000 per account per year.
  • Purchase Protection — Should an eligible item be damaged or stolen, you could receive up to $1,000 per covered item, up to $50,000 per eligible card.
  • Extended Warranty — Eligible items purchased with your card that have a manufacturer’s warranty of 5 years or less will receive an additional year of coverage. Coverage limits are up to $10,000 per covered purchase, up to $50,000 per eligible card.

Capital One

Many Capital One cards offer purchase protections as well, such as the Capital One Venture card and the Capital One Venture X Rewards Credit Card. These include:

  • Purchase Security — Purchase an eligible item and receive 90 days of coverage (from the purchase date) for theft or damage.
  • Extended Warranty — Purchase a qualifying item entirely with your eligible card and extend your qualifying product warranties automatically.
  • Return Protection — If you try to return an item within 90 days of your original purchase and the merchant refuses your return, you can apply for reimbursement.

Chase Cards

Chase also offers a nice selection of benefits and protections for online purchases. You’ll find that the Chase Sapphire Reserve®, the United Club℠ Infinite Card, and the United Club℠ Business Card all offer the following trio of benefits:

  • Return Protection — If the eligible item, purchased with your card, is not accepted for return by the merchant within 90 days after the purchase date, you could be eligible for up to $500 per item, $1,000 per year.
  • Purchase Protection — Receive repair or replacement protection for eligible items for 120 days from the purchase date for damage, theft, or “involuntary and accidental parting.” Coverage is limited to $500 per item, $50,000 per account.
  • Extended Warranty — For eligible items with a manufacturer’s warranty of 3 years or less, 1 additional year is added. Coverage is limited to $10,000 per claim, $50,000 per account.

Bottom Line: Many Amex, Capital One, and Chase-issued cards come with purchase protection and extended warranty benefits that may protect your eligible online shopping purchases. Fewer cards are issued with additional return protection benefits. 

Best Credit Cards for Online Shopping for Those With Bad Credit or No Credit

It’s difficult to find a rewards-earning credit card when you have no credit history or poor credit. However, don’t give up, as we’ve put together a list of cards that can help you get started building or rebuilding your credit. Take a look at our recommendations for some of the best credit cards for no credit or poor credit.

Final Thoughts

If you make online purchases frequently and in volume, securing a card that delivers big rewards on those purchases could be an economically sound decision. If you’re the average online shopper, you may benefit from investigating the offers on cards you already hold.

Another benefit of online shopping statement credits and elevated rewards is an economic value that can serve to offset a portion, or all, of the annual fee you’re paying on your card.

Whether it’s securing a new card to reward online shopping purchases or reviewing existing cards for offers, you’ll benefit by taking advantage of elevated earnings, savings, or receiving statement credits for your online shopping purchases.


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 Platinum 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 Business Platinum 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 Blue Cash Preferred® 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 Plum 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 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 extended warranty benefit of Blue Cash Preferred® 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 Plum 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.

For the return protection benefit of the Blue Cash Preferred® 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 Plum 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 purchase protection benefit of the American Express® Business Gold Card, 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 American Express® Business Gold Card, 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.

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 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 U.S. Bank Cash+® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the United Club℠ Business 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 for The Hilton Honors American Express Surpass® Card, 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.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of The Plum Card® from American Express, click here.

Frequently Asked Questions

Which is the best credit card for shopping online?

The best card for shopping online will depend on the website or specific merchant from which you’re purchasing and the amount of your purchases. If you purchase a lot online you’ll want to select a card that rewards those specific types of purchases.

If you’re an average online shopper, it may not make sense to select a card solely for online shopping rewards but to review cards you currently have that may best reward those purchases.

Does Walmart or Target count as a department store?

Walmart and Target, as well as wholesale clubs, do not normally count as department stores for bonus category rewards.

These retailers, however, do show up frequently as specific quarterly bonus-category merchants on cards such as the Freedom Flex card.

What counts as online shopping?

Any purchase of goods that you make using a web browser or mobile app is considered an online purchase.

What is the safest way to pay online?

According to the financial comparison service Bankrate, using a credit card is “by far the most secure and safe payment method for shopping online.”

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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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