Top 9 Cards for Online Shopping

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Let's face it - we all shop online these days. From late-night Amazon hauls to grocery delivery and everything in between, having the right credit card can put some serious cash back in your wallet. And with Black Friday, Cyber Monday, and holiday shopping right around the corner, now's the perfect time to make sure you're getting the most rewards from your spending.

Don't worry - we've done the homework for you! Here's our handpicked list of the best credit cards for online shopping. Whether you're a casual shopper or someone who buys practically everything online, we'll help you find a card that makes your spending work harder for you.

1. U.S. Bank Shopper Cash Rewards Visa Signature Card

Rewards: 6% cashback on two selected categories (up to $1,500 each quarter) including Amazon, Target, Walmart, and more.
Annual Fee: $95 (waived first year)
Key Consideration: After the annual fee, the effective cashback rate is around 4.4%.

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2. Blue Cash Everyday® Card from American Express

Rewards: 3% cashback on U.S. online retail (up to $6,000 per year)
Annual Fee: $0
Ideal For: Consistent online retail spending without an annual fee.

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3. Bank Of America Customized Cash Rewards Credit Card

Rewards: 3% cashback on a category of choice (e.g., online shopping, dining), 2% on groceries (up to $2,500 each quarter combined)
Annual Fee: $0
Best For: Flexible spending with multiple cashback categories.

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Cards with 2% Cashback on All Purchases

If you’re looking for a straightforward option, these cards offer 2% cashback universally.

4. Citi Double Cash® Card

Rewards: 2% cashback on all purchases (1% when you buy + 1% when you pay)
Annual Fee: $0

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5. American Express Blue Business Cash™ Card

Rewards: 2% cashback (up to $50,000 annually, then 1%)
Annual Fee: $0

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6. Blue Business® Plus Credit Card from American Express

Rewards: 2 points per dollar on all purchases (up to $50,000 annually, then 1 point)
Annual Fee: $0

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7. Capital One Spark Cash Plus

Rewards: Unlimited 2% cashback on all purchases
Annual Fee: $150
Ideal For: High spenders seeking straightforward cashback.

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8. Ink Business Premier® Credit Card

Rewards: 2.5% cashback on purchases over $5,000, 2% on others
Annual Fee: $195
Best For: Larger purchases with elevated cashback for high-value transactions.

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9. Capital One Venture X Rewards Credit Card

Rewards: 2 points per dollar on all purchases (1–1.3 cents per point value)
Annual Fee: $395
Ideal For: Travelers who value point flexibility.

Bonus Best Cards for Amazon.com

Prime Visa

Rewards: 5% cashback on Amazon.com
Annual Fee: $0

Amazon Business Prime American Express Card

Rewards: 5% cashback or 90-day payment terms on Amazon, AWS, and Whole Foods (with eligible Prime membership)
Annual Fee: $0

Whether you’re after cashback, points, or a mix of both, these cards offer a variety of benefits tailored for online shopping. Happy shopping and happy saving!