Best Credit Card for Online Shopping (2026)
Online retail — including Amazon and general e-commerce — is modeled at ~$450/month. Cards with online shopping portals, category bonuses, or strong base earn rate highly here.
Spending profile modeled: $450/mo Online Shopping · $200/mo Supermarket & Grocery · $150/mo Restaurant & Dining · $150/mo Other · $100/mo Travel · $100/mo Gas & Transportation
Top 3 cards for this profile
Spend rewards
$380
Perks & credits
$114
Welcome bonus
$200
first year only
Annual fee
None
Spend rewards
$459
Perks & credits
$120
Welcome bonus
$1,125
first year only
Annual fee
$95
Spend rewards
$401
Perks & credits
$72
Welcome bonus
$200
first year only
Annual fee
None
Frequently asked questions
Does Amazon qualify for online shopping bonuses?
Some cards treat Amazon as online shopping; others classify it as a separate merchant category. Check the card's published bonus categories for current rules.
How does Credit Card Optimizer rank the best cards for online shopping?
We calculate ongoing annual value for each card using the spending profile on this page ($450/mo Online Shopping · $200/mo Supermarket & Grocery · $150/mo Restaurant & Dining · $150/mo Other · $100/mo Travel · $100/mo Gas & Transportation), including category earn rates, caps, and perks, minus annual fees. Welcome bonuses are shown separately as first-year value and don't affect ranking order.
Are these rankings personalized to me?
These pages use fixed representative profiles. For rankings based on your actual monthly spend, use our free credit card optimizer.
Get rankings for your exact spending
These results use a fixed profile. Your optimal card may differ if your grocery, dining, or travel spend is higher or lower than the assumptions above.