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The best credit cards for online shopping of 2021
Unlike groceries, dining, and travel, online shopping isn’t a common bonus category on rewards credit cards. But that doesn’t mean you can’t earn more than 1 point or mile per dollar you spend, or more than 1% cash back, when you buy things online.
Best for 2% cash back on everything:
Citi® Double Cash Card
Read more: Citi Double Cash credit card review
Since there are no bonus categories to keep track of, that means you can earn 2% back on your online purchases, no matter where you’re shopping. The card has no annual fee, either.
Best for Amazon and Whole Foods purchases:
Amazon Prime Rewards Visa Signature Card
If you want a card that offers bonus rewards on Amazon purchases, the
There’s no annual fee for Amazon Prime members, and because it’s a Visa Signature card, it offers substantial benefits including extended warranty, purchase protection, and car rental insurance.
Best for Costco.com purchases:
Costco Anywhere Visa® Card by Citi
For Costco members who shop with the big-box retailer online, the
Read more: Costco Anywhere Visa credit card review
The card has no annual fee, but you need a paid Costco membership.
Best for PayPal and Walmart.com:
Chase Freedom Flex℠
Read more: Chase Freedom Flex credit card review
Chase is also running a promotion for
You can combine the rotating PayPal bonus category with your top eligible category from the list. Chase will allow cardholders to stack these offers and earn 9% back on these purchases (4% from the PayPal rotating category bonus, 4% from the top-spend category bonus, and 1% that you’d normally earn with the card).
Walmart.com, Target.com, and Amazon:
Discover it® Cash Back
Read more: Discover it Cash Back credit card review
This quarter’s categories are all online retailers, so it’s perfect timing for holiday shopping. If you’re a new cardholder. Discover will match all the rewards you’ve earned after the first 12 months, effectively earning you 10% back on these purchases.
If you want to choose your own bonus category:
Bank of America® Customized Cash Rewards Credit Card
If you’re looking to maximize your online shopping purchases with the
Best for office supplies:
Ink Business Cash® Credit Card
If you’re a freelancer or a small business owner, the
Read more: Ink Business Cash card review
You’ll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each year (then 1% back). This card has no annual fee, and if you also have a Chase Ultimate Rewards travel card such as the
Best for purchase protection:
American Express® Gold Card
Especially if you’re making a large purchase, you’ll want to pay attention to what kind of purchase protection your credit card offers. The
Read more: American Express Gold card review
Make sure to use an online shopping portal
Whenever you shop online, it’s worth taking a few extra seconds to go through a shopping portal, since you can earn a ton of bonus rewards or cash back by clicking through one of these sites.
Airlines and credit card issuers, along with a handful of hotel brands, operate shopping portals that award you bonus loyalty points in their respective programs when you click through from the portal to a retailer’s website. For example, if you’re a United flyer, you can click through the airline’s MileagePlus Shopping site to earn bonus miles with Bed Bath & Beyond, Sephora, Staples, and dozens of other online shops.
Online shopping portal bonuses change all the time, and not every portal partners with the same retailers. To see your best options for earning rewards, search for the retailer on Cashback Monitor or Evreward. Both of these sites show you all your different shopping portal options for earning points, miles, or cash back.
Once you’ve decided which shopping portal you want to use, make sure you’re logged into your associated loyalty program account, then find the retailer in the portal and click through. This is an easy way to maximize credit card purchases that would otherwise only earn you 1 point or 1% cash back.
Don’t forget about Amex Offers and cash-back deals through Chase
Amex Offers** are limited-time deals available to cardholders, letting you earn cash back or bonus Membership Rewards points when you make purchases with popular retailers. The offers are targeted, meaning not every cardholder will see the same deals in their account, and you need to make your purchase with the Amex card tied to a given deal in order to be eligible for cash back or bonus points.
Chase Offers work similarly; if you have a Chase card like the