The Best Credit Cards for Online Shopping of 2024

The Chase Sapphire Preferred® Card happens to be our best credit card for travel. And it comes loaded with special perks and ways to maximize your online purchases, including online grocery orders that earn you 3 points per dollar spent.

Cardholders also earn 5 points per dollar on travel purchased through the Chase Ultimate Rewards portal (then 2 points on other travel purchases). You can stretch the value of your points through Chase’s online portal, too. Points are worth 25% more when you redeem for travel purchases or use the Pay Yourself Back program, which provides a statement credit in exchange for points.

Beyond shopping online, streaming services and restaurant purchases (including delivery and takeout) earn 3 points per dollar and all other purchases earn 1 point per dollar spent.

Fees and APR: This card comes with a $95 annual fee, so you’ll have to figure out if it’s worth the extra expense based on its benefits and your spending habits. The variable APR (20.49% - 27.49%) starts average and ranges to slightly above average.

Online shopping perks: Through the Visa Signature program, you’ll receive an extended warranty of up to a year on eligible purchases, plus purchase protection for 120 days against damage or theft. Chase also monitors your account for unusual activity, lets you temporarily lock your account if you misplace your card, and won’t hold you liable for fraudulent purchases.

Learn more about the Chase Sapphire Preferred® Card

The Bank of America Customized Cash Rewards Credit Card is all about personalization. You choose your own bonus category and can update your selection once a month.

The list includes “online shopping” purchases, which provides a lot of flexibility. Cardholders earn 3% cash back in the bonus category and 2% back at grocery stores and wholesale clubs for the first $2,500 of combined spending per quarter. After you meet the threshold, your purchases earn 1% back.

There’s a chance to boost the value of your rewards, too. If you’re a Preferred Rewards member, you can earn 25% to 75% more cash back on every purchase. That means you could earn up to 5.25% back on purchases in your chosen category.

Fees and APR: There’s no annual fee and the variable APR starts low and ranges to slightly above average.

Online shopping perks: When you sign up for online or mobile banking, you can check your FICO credit score and information from your TransUnion credit report for free. Bank of America also blocks potential fraud and won’t hold you responsible for any fraudulent purchases.

Learn more about Bank of America credit cards

With the Target RedCard, you get a 5% discount on most purchases you make at Target.com—plus free two-day shipping on qualifying items, an extended window for returns, and special offers. The discount also applies to in-store purchases and at the retailer’s Starbucks locations, which boosts your money-saving potential.

You may be able to stack your savings with deals on the Target app, and you’ll get a 10% discount on every cardmember anniversary. Just keep in mind you don’t earn traditional rewards with the card as you do with others. Instead, the discount is automatically applied to your Target purchases.

Fees and APR: There are no annual fees or membership fees, and the variable APR is slightly above average.

Online shopping perks: The Target RedCard comes with Mastercard ID Theft Protection, a full suite of identity theft services. For instance, Mastercard monitors the surface, dark, and deep web for your personal information, such as bank account credentials and Social Security number. If they find anything, a resolution specialist will contact you, help you resolve the incident, and prevent further damage.

Learn more about the Target RedCard

With the Citi Double Cash Card, you earn cash back twice: 1% on every purchase and another 1% when you pay for those purchases.

Simplicity is this card’s secret weapon. Since there are no categories to keep track of and no rewards caps, you’ll earn 2% cash back on every single online purchase (as long as you pay your bill on time). That’s one of the highest flat cash-back rates out there.

Redemption options are flexible, too. You can either convert your rewards to points or receive your cash back as a statement credit, direct deposit, or check.

This could be a good option if you don’t consistently shop with one retailer and your purchases don’t typically fit into a specific category.

Fees and APR: There’s no annual fee, and the variable APR ranges from low to slightly above average. However, Citi may raise your APR if you miss a payment.

Online shopping perks: This card comes with Citi Identity Theft Solutions, a free service that helps you recover from identity theft—even if the fraud didn’t happen on a Citi card. Once you contact the card issuer, a dedicated specialist will help you contact the credit bureaus, monitor your credit report, and advise on how to file a police report. You also won’t be held liable for fraudulent charges to your Citi card.

Learn more about the Citi Double Cash Card

The Costco Anywhere Visa Card gives you unlimited 2% cash back at Costco stores nationwide and online at Costco.com. The warehouse website offers everything from groceries to mattresses, lawn furniture, pharmacy and optical purchases, home installation services, and more. That means your 2% cash back rate can go far if you frequently shop at the big-box retailer. Cardholders also get 4% cash back on eligible gas and EV charging purchases (up to $7,000 per year), 3% back on restaurant and travel purchases, and 1% everywhere else.

However, redemption options are limited. You’ll receive your reward annually on your February billing statement, and it’s provided as a certificate you can use on Costco purchases.

Fees and APR: There’s no annual fee for the credit card, but you’ll need a Costco membership, which starts at $60 per year. The variable APR on purchases and balance transfers is slightly below average, which is the best deal among cards on this list. But if you make a late payment, you’ll incur a substantially higher penalty APR.

Online shopping perks: All cardholders receive purchase protection, which pays to repair a damaged or stolen item (or send you a refund) within 120 days of purchase.

Learn more about the Costco Anywhere Visa Card

We like the Blue Cash Everyday Card—it's one of our best credit cards for groceries. Beyond that, cardholders get 3% cash back at U.S. supermarkets (up to $6,000 in purchases per year), 3% at U.S. gas stations (up to $6,000 in purchases per year), and 1% on other eligible purchases. While the “online” category is narrow, this card could be good if you want a bump in grocery points and you don’t shop at Whole Foods. It may also make sense if you want to shop at the physical grocery store or you don’t want to pay an annual fee. Of course, terms apply. (See rates and fees.) Learn more

The QuicksilverOne charges an annual fee of $39 and doesn’t earn as much as the Citi Double Cash Card does, but cardholders still get a solid unlimited 1.5% cash back on every purchase. The main draw is that it’s marketed for people with fair credit, so it’s a good option if you’re working on building your credit history. There are also several security features, including $0 fraud liability and the ability to lock the account if the card is misplaced, lost, or stolen. Learn more

The Discover it Cash Back card features bonus categories that sometimes include online purchases, such as Amazon.com, Walmart.com, and Target.com shopping. You’ll earn 5% back in the rotating quarterly category, on up to $1,500 in purchases each quarter, after you activate the reward. All other purchases earn 1%. This card didn’t get a top spot on our list because the rewards cap is low. But it could be a good fit if you don’t spend much on your card and your expenses fall under several different categories. Learn more

Like Bank of America’s Customized Cash Rewards card, the U.S. Bank Cash+ lets cardholders choose their own bonus categories. You’ll earn 5% cash back on your first $2,000 spent in two chosen categories, which include some online purchases, and 2% cash back on an everyday category of your choice. All other purchases earn 1% back. Learn more