credit cards for online shoppingUpdated: April 1, 2020

Factors in recent years like improved delivery and almost limitless variety show how valuable online shopping is to the 76% of all U.S. adults that shop online. Especially during moments like the coronavirus (COVID-19) outbreak, dodging crowded grocery stores is just as good for your well-being as it is for your patience. Yet why don’t most credit cards provide rewards or cash back for these digital purchases? Keep reading for the best credit cards to keep you and your wallet healthy by bringing the store to your door.

Best online shopping rewards cards

Online shopping is a rare rewards category, but flexible cards like these can earn you the best cash back on everything online, from everyday essentials to unnecessary purchases.

Discover it® Cash Back

Although not as versatile as the Bank of America Cash Rewards card, Discover it Cash Back provides higher cash back than 3%, but only in time-sensitive rotating quarterly categories. For no annual or foreign transaction fees, cardholders can earn 5% cash back on purchases within their activated category each quarter (on up to $1,500/quarter in purchases, then 1%) and 1% on everything else. Discover’s categories can change from year to year, but they announce their line-up the year before and the annual offerings are consistent enough to rely on. For 2020, online shoppers can earn 5% on PayPal purchases from July through September, and 5% at, and from October through December. Users can always use rewards at checkout on, but unfortunately can’t earn 5% rewards at leading online retailers from January to June — you’ll earn 1% cash back on these purchases. That said, Discover will match all of the cash back you earn in the first year as a cardholder, which means you’re essentially earning 10% cash back on rotating categories (up to the quarterly maximum) and 2% cash back on all other purchases for the first year.

Luckily, you can be interest-free for 14 months with a 0% intro APR on purchases and balance transfers (then 11.99% – 22.99% variable), and early-movers get a 3% intro balance transfer fee, up to 5% on future balance transfers (see terms)*. Discover’s No. 1-rated customer satisfaction rank by J.D. Power and amazing benefits — like no penalty APR or late fee on your first payment and impressive credit monitoring protection — are other aspects of the card we love.

Information regarding the Discover it Cash Back was prepared by staff. Opinions expressed therein are solely those of the writer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented on this page is accurate as of the date of the post.

Citi® Double Cash Card

For anyone whose middle name is “convenience,” then the fixed-rate Citi Double Cash Card (a NextAdvisor advertiser) makes online shopping rewards simple: unlimited 2% cash back on everything, 1% at purchase and 1% on payment! Although you’ll earn less cash back online compared to the previous two cards, you don’t have to worry about spending caps, category restrictions or eligible retailers. Keep in mind that there isn’t an intro bonus or 0% intro APR on purchases, but there’s a giant 18-month 0% intro APR on balance transfers (13.99% - 23.99% (Variable) ongoing) for anyone about to switch. There is a 3% balance transfer fee ($5 minimum), but that’s pretty negligible considering your current card’s interest and there’s no annual fee added to the cost. The Double Cash card is definitely a great deal for those that pay their balance promptly. Just in case, Citi won’t charge a late fee on your first missed monthly payment!

Blue Cash Everyday® Card from American Express

If you spend more on groceries than anything but you’re not feeling a check-out line in your future, then the Blue Cash Everyday Card from American Express (a NextAdvisor advertiser) earns rewards on online supermarkets as well as in-store. Cardholders earn 3% cash back at U.S. supermarkets (on up to $6,000/year in purchases, then 1%), 2% at U.S. gas stations and select U.S. department stores along with 1% back on all other purchases — all for no annual fee (see rates and fees). Online supermarkets, like FreshDirect, earn the same rewards while your everyday essentials are delivered straight to your doorstep. Likewise, your rewards still apply when ordering your groceries ahead of time with curbside pick-up programs like Harris Teeter’s ExpressLane. You can get creative and even earn 3% cash back on Amazon or other gift cards at the supermarket to essentially get cash back on other online purchases!

New cardholders also get 15-month 0% intro purchase and balance transfer APR (then 12.99%-23.99% Variablesee rates and fees) with a $150 intro opportunity after spending $1,000 in your first 3 months. Granted, there is a 3% balance transfer fee with a $5 minimum (see rates and fees), but it probably won’t be much compared to your current card’s ongoing interest. Plus, American Express benefits like purchase protection give your online shopping added value. If you’re looking for another reason to stay in, take a look at the Blue Cash Preferred® Card from American Express for even higher cash back rates, even on select U.S. streaming subscriptions.

Chase Freedom Unlimited®

Chase Freedom Unlimited is the type of card that you can use for all purchases without worrying about how much you’ll earn. That’s because it earns an unlimited 1.5% cash back on all purchases, including online shopping. On top of that, the card has no annual fee and a $150 intro bonus that you can earn after spending $500 on purchases in the first 3 months of account opening. As if that isn’t enough, Chase Freedom Unlimited comes with a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee for balances transferred in the first 60 days, $5 minimum) — after the 0% intro APR expires, the rate is 16.49% – 25.24% variable.

Information regarding the Chase Freedom Unlimited was prepared by staff. Opinions expressed therein are solely those of the writer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented on this page is accurate as of the date of the post.

With these cards, you won’t have to worry about losing out on shopping rewards just because you aren’t risking packed stores. You can see how these cards rank on our best credit cards list.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.