The best credit card for online shopping overall is the Amazon Prime Rewards Visa Credit Card. There’s no annual fee, and Prime members get 5% rewards at Amazon and Whole Foods. That’s in addition to 2% at restaurants, gas stations, and drug stores (and 1% everywhere else). Since you can buy almost anything on Amazon, you’re not sacrificing much flexibility, either.
For people who aren’t Prime members, Citi Double Cash is a good option. Most cards don’t offer special rewards for online shopping over regular shopping, but the Double Cash card offers 1% cash back on all purchases, and another 1% cash back when you pay them off. And there’s no annual fee, so your rewards won’t get eaten up by the cost of your card.
Which card is best for you depends on your shopping needs and habits. And there are more options to consider before you make your decision.
Here are the best credit cards for online shopping:
Amazon Prime Rewards Visa Credit Card: Prime members get 5 points per $1 at Amazon and Whole Foods; 2 points per $1 at restaurants, gas stations, and drug stores; and 1 point per $1 on all other purchases. Non-Prime members get the same deal, but with only 3 points per $1 at Amazon.
There’s no annual fee. Everyone approved for the card gets a $50 Amazon gift card ($70 for Prime). You need good credit to get this card. There’s also the Amazon Store Card for fair credit, but you’ll only earn rewards on it if you’re a Prime member.
Walmart Credit Card: You’ll get a $25 statement credit for spending $25 the day you open your card. You’ll also get 3% back at Walmart.com, 2% in store and 1% everywhere else.
There’s no annual fee. You need good credit or better.
Citi Double Cash: There’s no annual fee. You get 1% cash back on all purchases, with another 1% back when you pay your bill. This card requires good credit.
Target Credit Card: You get 5% back at Target and Target.com. You also get free shipping on Target.com orders, and an extra 30 days for returns in-store and online. Plus, there’s a 10% discount on your anniversary. There’s no annual fee. This card requires fair credit.
TD Bank Cash Credit Card: You’ll get $150 for spending $500 in your first 90 days. You also get an Amazon Echo and Echo Dot, which currently sell for $99.99 and $49.99 on Amazon. That’s in addition to 3% cash back on dining, 2% on groceries and 1% on everything else.
There’s no annual fee. You need excellent credit to get approved.
All contenders for the best credit card for online shopping require good credit. In practice, this means a score of 700 or higher. If yours isn’t in that range yet, you might consider the Amazon Store Card. It offers 5% rewards at Amazon, but only to Prime members. And it’s available to people with fair credit. For bad credit, the Discover it Secured credit card is a good option, with no annual fee and at least 1% cash back on all purchases, doubled the first year. And if you don’t want to put down a deposit, the Fingerhut Credit Card doesn’t require one and is available to people with bad credit.