4 Best Credit Cards for Online Shopping in 2021

In-Depth Reviews

Are you tired of crowds and long queues typical for brick-and-mortar stores? If yes, then online shopping is the best alternative for you. To make your e-commerce more enjoyable, you’ll need the best credit card for online shopping that will make your internet purchases convenient and stretch your money further.

With the right credit card, you will be able to earn some cashback that will reduce your bills in the long run. We’ve reviewed four credit cards for online shopping, their main features, advantages and disadvantages, and pricing plans. Now you have the opportunity to compare the best offers and pick the one that suits your needs best.

Show more

Top 4 Picks for the Best Credit Card for Online Shopping - 2021

1. Discover it® Cash Back

Discover it® Cash Back provides you with rich rewards and extra bonuses by matching all the cashback that you have gained at the end of the first year. With Discover it® Cash Back, you don’t have any limits to minimum spending or maximum rewards, there is only a dollar-for-dollar match. Full Review

  • APR: 11.99%–22.99%
  • Annual fee: $0
  • Rewards rate: 1% to 5%

Discover it® Cash Back provides you with rich rewards and extra bonuses by matching all the cashback that you have gained at the end of the first year. With Discover it® Cash Back, you don’t have any limits to minimum spending or maximum rewards, there is only a dollar-for-dollar match. Full Review

2. Citi® Double Cash

Citi® Double Cash is among the best credit cards for online purchases currently available. It combines low costs and exclusive cashback rewards to come up with significant savings for cardholders. Given the reward-purchase ratio, Citi® Double Cash is almost twice as rewarding as other average cashback credit cards. Full Review

  • APR: 13.99%–23.99%
  • Annual fee: $0
  • Rewards rate: 1% to 2%

Citi® Double Cash is among the best credit cards for online purchases currently available. It combines low costs and exclusive cashback rewards to come up with significant savings for cardholders. Given the reward-purchase ratio, Citi® Double Cash is almost twice as rewarding as other average cashback credit cards. Full Review

3. American Express® Gold Card

In addition to great rewards for food purchases, dining out, and travel, American Express® Gold provides excellent online purchase protection. It’s among the best retail credit cards and the best reward card for gourmands who enjoy ordering food and eating out in restaurants. Full Review

  • APR: 15.99%–22.99%
  • Annual fee: $250
  • Rewards rate: 1x-4x

In addition to great rewards for food purchases, dining out, and travel, American Express® Gold provides excellent online purchase protection. It’s among the best retail credit cards and the best reward card for gourmands who enjoy ordering food and eating out in restaurants. Full Review

4. Blue Cash Preferred®

Blue Cash Preferred® is the best credit card for shopping groceries and gas, as well as for paying transit purchases and streaming services. It’s fantastic for individuals with good to excellent FICO whose major expenditures include gas and food. Full Review

  • APR: 13.99%–23.99%
  • Annual fee: $95 ($0 for a year)
  • Rewards rate: 1%-6%

Blue Cash Preferred® is the best credit card for shopping groceries and gas, as well as for paying transit purchases and streaming services. It’s fantastic for individuals with good to excellent FICO whose major expenditures include gas and food. Full Review

Best Credit Cards for Online Shopping in 2020

Discover it® Cash Back Best for cashback rewards
Citi® Double Cash Best overall
American Express® Gold Best for purchase protection
Blue Cash Preferred® Best for streaming services

 

Detailed Reviews

Discover it® Cash Back
Discover it® Cash Back

BEST FOR

cashback rewards

Visit Website
  • APR: 11.99%–22.99%
  • Annual fee: $0
  • Rewards rate: 1% to 5%
  • Foreign transaction fee: None
  • Intro APR: 0% for 14 months
  • Recommended credit score: 690+
  • Sign up bonus: Cashback Match for the first year
  • Secured: No

Discover it® is among the best credit cards for online shopping for individuals with a FICO score of 690 and above who don’t want to pay annual fees and want a great cashback reward rate. With it, you have a chance to gain $300 annually on purchases on Amazon, gas stations, grocery stores, and restaurants.

Discover it® Cash Back doesn’t set any limits to minimum spendings, but the quarterly 5% bonus cashback opportunity is limited to $1500 spent or $75 in cashback. To fully benefit from this online shopping credit card offers, you need to monitor Discover’s Cashback Bonus Calendar and make sure you focus on a specific bonus category every quarter. Otherwise, your reward will be significantly smaller.

Discover it® Cash Back Rewards & Offers

With Discover it® Cash Back, you’ll get 5% cashback on the initial $1,500 you spend on selected categories every quarter. Those include purchases on Amazon, gas stations, grocery stores, and restaurants. But, to get that 5% cashback that Discover it® Cash Back credit card for online purchases offers, you must sign up for a bonus category every quarter. If you don’t, you’ll get only a 1% reward.

The cashback you have earned could be sent to your account as a statement credit, or you can have it deposited into your bank account. Furthermore, you can use your cashback to pay at specific retailers or exchange them for a gift card and get a bonus of $5 or more. To redeem the money on your online purchase credit card for a gift card, you must accumulate at least $20.

On top of that, cardholders get an unlimited Cashback Match for the first year. Every dollar earned through cashback is doubled and becomes available at the end of that year.

You should be aware that your rewards will never expire. If you haven’t paid anything with your card in a year and a half, or if your account is closed, you will receive your cashback bonus to your account.

Discover it® Cash Back Pricing & Fees

Discover it® Cash Back online shopping card charges a 0% intro APR for the first 14 months upon issuing. When this period is over, Discover starts charging a standard variable purchase APR of 11.99%–22.99%.

Discover it® Cash Back doesn’t charge an annual fee but charges a 3% intro balance transfer fee and up to 5% future balance transfer fee when the intro period expires. In addition, there’s a 5% cash advance fee with a minimum charge of $10 and a $40 maximum late fee for your online buying credit card. However, Discover won’t charge you any fee if you’re late with your first payment.

A 0% foreign transaction fee makes Discover it® Cash Back the best reward credit card for online shopping when abroad.

What we liked & didn’t like

If you are a seasonal shopper and have no problem keeping track of quarters and seasonal offers, then Discover it® Cash Back is the best card for online shopping for you. It provides generous rewards and has no annual foreign transaction fee.

On the negative side, the rewards are closely related to specific categories that aren’t active throughout the entire year. Thus, to obtain the 5% rewards, you have to activate the rotating quarterly categories. In case you fail to do so, you will get only 1% rewards.

Citi® Double Cash
Citi® Double Cash

BEST FOR

everyday online purchases

Visit Website
  • APR: 13.99%–23.99%
  • Annual fee: $0
  • Rewards rate: 1% to 2%
  • Foreign transaction fee: 3%
  • Sign up bonus: N/A
  • Recommended credit score: 720+
  • Intro APR: 0% for 18 months (balance transfers)
  • Secured: No

Citi® Double Cash is possibly the best reward card for online shopping for people with FICO scores of 720 and higher. It’s fantastic for individuals who seek simple cashback rewards and fixed-rate earnings and who intend to use it for years.

As opposed to other credit cards, Citi® Double Cash allows you to earn not only when you’re shopping but also when you’re paying off your card dues. The only condition is to pay them regularly every month.

Citi® Double Cash Rewards & Offer

Citi® Double Cash provides a consistent reward rate that allows you to effectively earn 2% cash back on every single purchase — 1% immediately when you buy and 1% when you pay it off. There are no limits set to the cashback that you can earn. As such, it is among the highest-earning online shopping credit cards in the market.

The minimum amount needed to redeem your cashback is $25. Once you earn it, you can choose a direct deposit to a Citi or savings account, check, or a statement credit. Another option is to turn it into Citi ThankYou points, which can be further redeemed for gift cards, travel, etc.

Citi® Double Cash doesn’t offer a sign-up bonus.

If you want to earn rewards on your best card for shopping, the card has to be active. In other words, you have to pay a minimum of your payment debt by the beginning of a billing period. It’s highly recommended, though, that you stick to paying your bills in total whenever possible. It’s also vital to know that your rewards may expire in case you haven’t used the card, i.e., if you haven’t gained any money back on online purchases for a year.

Citi® Double Cash Pricing & Fees

Citi® Double Cash charges 0% intro APR in the first 18 months for balance transfers upon opening the account. When that period expires, it will charge a variable APR ranging from 13.99% to 23.99%. Bear in mind, though, that Citi Double has a balance transfer fee of 3% or $5, whichever is greater.

If you use the Citi® Double Cash credit card to shop online when you’re abroad, you’ll be charged a foreign transaction fee of 3%. However, there is no annual fee.

What we liked & didn’t like

With a rewarding rate, which is almost twice the market average, Citi® Double Cash is undoubtedly among the most rewarding credit cards for online shopping available. The lack of an annual fee allows you to save a considerable sum, particularly if you plan to use it in the long run. Even though there is no sign-up bonus, the 2% flat rewarding rate makes Citi® Double Cash possibly the best credit card for online shopping.

A 3% foreign transaction fee might be a minor inconvenience, especially for cardholders who tend to travel a lot. You should also be careful about the 3% (or $5 minimum) balance transfer fee, as it may incur greater costs if you don’t use the card wisely.

American Express® Gold Card
American Express® Gold Card

BEST FOR

purchase protection

Visit Website
  • APR: 15.99%–22.99%
  • Annual fee: $250
  • Rewards rate: 1x-4x
  • Foreign transaction fee: 0%
  • Intro APR: N/A
  • Sign up bonus: 60,000 points
  • Recommended credit score: 690+
  • Secured: No

Gourmands who adore ordering food and eating out, will undoubtedly find American Express® Gold as the best credit card for restaurants and online shopping at various retailers. Due to its purchase protection, it’s among the best cards for bigger online orders, such as furniture. Rich rewards and perks that Amex Gold offers allow food enthusiasts to enjoy eating in their favorite restaurants both in the US and abroad, and to earn handsome rewards in specific categories.

To qualify for Amex Gold, you should have a credit score of 690 and above. Besides, it’s advisable that you factor in all your costs as American Express® Gold has a somewhat high annual fee.

American Express® Gold Rewards & Offers

Amex is one of the shopping cards that offer a range of huge bonuses and perks for specific categories. As a sign-up bonus, you’ll earn 60,000 reward points when you spend $4,000 on qualified purchases within six months after you open an Amex Gold account. You’ll earn four points per $1 you spend at supermarkets across the US on purchases up to a total of $25,000 annually. Additionally, you’ll gain one point per $1 you spend on all other eligible purchases.

American Express® Gold rewards you for eating out in restaurants across the globe as well. For every $1 you spend at international restaurants, you’ll earn four points on the first $25,000; afterward, you’ll get one point. Amex is among the best shopping rewards cards for travelers as well as it rewards three points per $1 spent on flights booked via American Express® Travel or directly with airlines.

Other benefits include a $100 annual airline fee credit (bound to expire after 2021) and a $120 annual dining credit applicable on selected purchases as monthly credits.

The points can be redeemed in multiple ways — for as gift cards, cashback, or merchandise. However, booking travel may be the best way to use them as you may earn 2-6 cents per piece.

American Express® Gold Prices & Fee

With its fee of $250, Amex Gold definitely isn’t for holders who seek a free credit card for online shopping. It has no foreign transaction fee, so you can use it to shop anywhere in the world. Its variable APR ranges from 15.99% to 22.99%. You should also mind a cash advance fee of 5% or $10, whichever is greater.

Amex Gold charges a late payment fee of up to $40, as well as a returned payment fee in the same amount.

What we liked & didn’t like

Regarding its purchase protection, American Express® Gold is probably the best card for online shopping. Besides, it’s excellent for dining out at restaurants in the US and worldwide, as you may earn significant rewards every time you eat out. Additionally, grocery shopping may turn out to be cheaper than you’ve expected, as Amex will reward every dollar that you spend at the US supermarkets. American Express® Gold is fantastic for eager travelers as you can get cashback on flights booked via American Express® Travel or with airlines directly.

However, Amex is not a cheap card, considering its $250 annual fee. Also, individuals who seek straightforward cash rewards may find Amex’s rewarding system a bit inconvenient.

Blue Cash Preferred® Card
Blue Cash Preferred® Card

BEST FOR

best for streaming services

Visit Website
  • APR: 13.99%–23.99%
  • Annual fee: $0 for the first 12 months, then $95
  • Rewards rate: 1%-6%
  • Foreign transaction fee: 2.7%
  • Intro APR: 0% for 12 months
  • Sign up bonus: $300
  • Recommended credit score: 690+
  • Secured: No

Blue Cash Preferred® isn’t one of the credit cards used for online shopping only. It’s much better for families whose primary purchases include groceries, gas, and streaming services. It’s excellent for commuters as well since it offers generous bonuses on eligible transits and gas stations. Regarding online shopping, Blue Cash provides outstanding 90-day purchase protection up to $1000 per purchase and $50,000 annually.

To maximize your chances of qualifying for Blue Cash Preferred®, you should have a FICO score of 690 or above. Thus, if your credit score is excellent, you make grocery purchases regularly, commute every day to your work and back, and enjoy streaming in your free time, Blue Cash is one of the best shopping reward cards for you.

Blue Cash Preferred® Rewards & Offer

Currently, Blue Cash offers its new holders a sign-up bonus of $300 after $3,000 spent in the first six months. This offer, however, is limited and expires on 12/10/2020. Besides this special bonus, Blue Cash provides 6% cashback for purchases in supermarkets across the USA, with a limit of $6,000 per year. Once you exceed this limit, you’ll earn 1% on supermarket purchases.

Blue Cash will turn out to be the best online credit card if you pay for subscriptions to Netflix, Hulu, Pandora, or Spotify, as you’ll have an unlimited 6% cashback. However, mind that your subscriptions aren’t billed by a third party or bundled with other products as you won’t qualify for the cashback.

Blue Cash Preferred® reward rate of 3% at gas stations and eligible transits, including tolls, public transport, parking, and rideshares, is excellent for commuters as it’s better than any other competitor offer. Plus, it’s not limited. To redeem the cashback, you must reach a $25 minimum. Once you hit that limit, you can opt for gift cards, a statement credit, or merchandise.

Blue Cash Preferred® Prices and Fees

Blue Cash is among pricier cards for shoppers, considering the fact there is an annual fee of $95 after year one. Also, cardholders will be charged an intro APR of 0% in the first year, which will give way to a 13.99%–23.99% APR when that period is over. Cardholders who use the card outside the US will be charged a foreign transaction fee of 2.7%.

Make sure that you aren’t late with your monthly payments, as you’ll be charged a late payment fee of up to $40.

What we liked & didn’t like

Blue Cash Preferred® is one of the rewarding credit cards to use online or in brick-and-mortar stores, especially if you commute every day or make frequent grocery purchases at supermarkets. It’s possibly the best choice to pay for selected streaming services as it will earn you a significant cashback.

It might not be such a good choice to use it abroad considering its foreign transaction fee. Besides, not everyone will like the annual fee of $95 when the first year expires. The major drawback, however, might be the $6,000 limit for supermarket purchases as it cuts your 6% reward to only 1% once it’s exceeded.

Buyer’s Guide: How to Pick the Best Credit Card for Online Shopping 2020

Unfortunately, there’s no card that will fit everyone’s needs. Thus, if you’re on the hunt for a new credit card, it’s advisable to take a few important facts into consideration before you finally opt for the one that suits you best.

Know your FICO score.

Before you apply for any of the credit cards, you must know your credit score. All mentioned credit card companies require a good to excellent FICO. Once you’re aware of your credit score, you’ll know what credit cards you’re eligible for.

Determine what you spend the most money on.

To find the best online shopping credit card, you should determine your spending habits, i.e., what you spend the most money on. Do you order a lot of food ordering or go grocery shopping? Do you want to track quarterly offers? Do you make big or small internet orders? Would you use your card to make online flight and hotel reservations? These are just some of the questions that will help you determine what card you need.

Determine what reward you expect.

All cashback credit cards redeem rewards you have earned in different ways. Thus, to find the best cash back credit cards for online shopping, you must know what cashback you expect. Do you prefer to have cash deposited to your bank or credit account? Are credits points more convenient for you? Can you make use of gift cards?

Mind the fees.

To avoid spending more money than you expected, research the credit cards thoroughly before you finally apply. Some charge fees that might be too steep; others charge low fees, but on services you intend to use a lot. Don’t rush and choose wisely. Finding the best credit card to use for online shopping requires patience and thoughtfulness.

Wrap Up

Credit cards with cashback offers are a fantastic way to benefit from your shopping. Depending on your needs and shopping habits, you have a chance to get the money you earned through rewards to your bank account or use them as credits for your other purchases.

We do hope that these four cards we have reviewed will help you find the best online credit card for your needs. Online shopping is getting more convenient, and the free shipping offered by many retailers is making it even more efficient and economical. With the right card that will help you regain cash, online purchases will become even better.

FAQ

Should I have a separate credit card for online purchases?

Having a separate credit card exclusively for online shopping is a wise choice for various reasons. Firstly, you have the opportunity to monitor your expenses and purchases as you’ll have all your records in one convenient spot. Secondly, credit cards have better purchase protection. Thirdly, you can maximize cahs back.

Is it better to use a debit card or credit card for online purchases?

Credit cards undoubtedly have more advantages over debit cards. First and foremost, they allow you to get cashback for purchases you make. Besides, you may get a range of bonuses you can use in various ways. Second, they come with greater purchase protection and dispute resolution. Third, if used wisely and responsibly, they can help you improve your credit score.

Which credit card is best for grocery shopping?

Any card that rewards you any time you shop groceries at the US supermarkets is a good fit. Out of those we reviewed, Citi® Double Cash, American Express® Gold, and Blue Cash Preferred® have excellent perks and rewards for grocery purchases made at supermarkets across the USA.

In fact, Amex Gold will reward you with four points for every purchase up to the first $25,000, whereas Blue Cash Preferred® allows you to earn 6% on purchases up to $6,000 in the first year. Citi® Double Cash, on the other hand, will reward you with 2% cashback for every purchase.

Which credit card is best for online shopping protection?

All credit cards have outstanding purchase protection. However, American Express® and Blue Cash Preferred® stand out from others we have reviewed when it comes to protection.

Namely, Amex Gold protects all your big orders with up to $10,000 protection coverage for a single covered purchase.

Similarly, Blue Cash covers all your orders and purchases made within 90 days. Thus, in case your order has been damaged or stolen, you may have $1,000 coverage at most. The overall coverage that these cards offer amounts to $50,000 annually per card.

Which credit card is best for online shopping?

All the four credit cards that we have reviewed are outstanding when it comes to online shopping. The main differences lie in a range of factors, which include the rewards and the way they are redeemed, as well as the value of the sign-up bonuses, if any. Also, the best card for you depends on your specific needs.

Citi®Double cash is excellent because of its consistency and simplicity, and Amex Gold is great if you do a lot of grocery shopping. Therefore, don’t rush when selecting the best credit card for online shopping. Do your research, make comparisons, and choose wisely.