5 Best Credit Cards For Online Shopping In 2025 – Forbes Advisor

Prime Visa: Best for Those Who Use Amazon as a Verb

Annual fee: $0
Rewards: Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel℠ purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and unlimited 1% back on other purchases.
Welcome offer: Earn a $100 Amazon gift card upon approval with an eligible Prime membership.

Amazon is practically synonymous with online shopping, and those with a Prime membership can earn big rewards for their spending with the Prime Visa. The card doesn’t charge an annual fee but does require a Prime membership, which starts at $14.99 per month or $139 per year.

Not all your online spending must arrive in an A to Z-themed box to earn great rewards. Whole Foods and Amazon Fresh orders earn the same 5% back. The card also includes a handy 0% APR financing offer on eligible purchases in place of earning rewards: Spend $50 or more and get 6 months of 0% APR financing or spend $250 or more and get 12 months of 0% APR financing when you use the card at Amazon or eligible retailers with Amazon Pay, followed by a 19.49% to 28.24% variable APR on purchases and balance transfers. That can lessen the sting of a big buy.

Chase Freedom Flex®: Best for Fickle Online Shoppers

Annual fee: $0
Rewards: Earn 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.
Welcome offer: Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.

You may not initially think the Chase Freedom Flex® is good for online shopping, but the rotating quarterly cash-back categories are often in areas that allow for it. Past categories have included cruise lines, spa services and gym memberships—all of which can be paid online. The best part is, unlike a card that offers high rewards on one type of online shopping, you can earn those rewards in completely different areas each quarter.

The Freedom Flex also has a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% to 28.49% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies. Plus, it offers purchase protection, extended warranty coverage and cellphone protection that can come in handy if something goes wrong with your new merch. The extensive travel protections are just icing on the cake. (P.S. Don’t overlook that the card earns 5% on travel booked through Chase Travel).

Wells Fargo Active Cash® Card: Best for Simple Rewards Everywhere (rates & fees)

Annual fee: $0
Rewards: Earn 2% cash rewards on purchases.
Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

The Wells Fargo Active Cash® Card earns straightforward 2% cash rewards on purchases, online or otherwise, eliminating the need to track categories or spending caps. In addition, the card offers benefits that can be a boon no matter how you like to shop. For example, new cardholders get a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% (min. $5) then a fee of up to 5% (min. $5) applies.

The Active Cash also includes up to $600 of cellphone protection against damage or theft (subject to a $25 deductible). Redeeming your cash is just as simple as earning it. You can opt for a statement credit, gift cards, deposit into an eligible bank account or withdraw it from an ATM in $20 increments.

Blue Cash Everyday® Card from American Express: Best for Online and Everyday Spending (terms apply, see rates & fees)

Annual fee: $0
Rewards: Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year in purchases, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Welcome offer: Earn a $200 statement credit after spending $2,000 on purchases within the first 6 months.

The Blue Cash Everyday® Card from American Express is an uncomplicated cash-back card with strong rewards for online purchases, plus gas and groceries, too.

In addition to the rewards, the card offers up to $84 in annual statement credits for eligible subscriptions to the Disney Bundle (enrollment required), and up to $180 a year in annual statement credits from Home Chef (enrollment required). The card also has an introductory APR offer: 0% intro APR for 15 months on purchases and on balance transfers requested within 60 days of account opening, followed by a variable APR of 18.24% to 29.24%. A balance transfer fee of $5 or 3%, whichever is greater, applies.

Bank of America® Customized Cash Rewards credit card: Best for Bank of America Customers

Annual fee: $0
Rewards: Earn 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of account opening.

The Bank of America® Customized Cash Rewards credit card lets you choose your 3% bonus category. You can change categories each month, and online shopping is an option.

Members of Bank of America’s Preferred Rewards program can earn 25% to 75% more rewards, depending on their tier. But even if you don’t qualify for Preferred Rewards, getting 3% back for your chosen bonus category is still a competitive earning rate. What also seals the deal is the card’s 0% introductory APR for 15 billing cycles for purchases and balance transfers, 18.24% to 28.24% variable APR applies thereafter. Intro rate applies for any balance transfers made in the first 60 days; balance transfer fee of 3% applies to each transfer during this period, then 4%.