Best cards for Online shopping

Online retail and wholesale clubs.

Last updated Jun 17, 2026

1. 1UBU.S. Bank
   U.S. Bank Shopper

   6% backcategory bonus

   First $1,500 combined/quarter, then 1.5%

   6.0%value back ⓘ
   Apply
2. 2CICiti
   Citi Custom Cash

   5% backchoose-your-category

   if you select online shopping · Up to $500/billing cycle, then 1%

   5.0%value back ⓘ
   Apply
3. 3CHChase
   Amazon Prime Visa

   5% backcategory bonus

   5.0%value back ⓘ
   Apply
4. 4CHChase
   Sapphire Preferred

   3× points · at 1.3¢/ptcategory bonus

   3.8%value back ⓘ
   Apply
5. 5AEAmerican Express
   Blue Cash Everyday

   3% backcategory bonus

   Up to $6,000/year, then 1%

   3.0%value back ⓘ
   Apply
6. 6BABank of America
   BofA Customized Cash

   3% backcategory bonus

   Combined with grocery/wholesale up to $2,500/quarter, then 1%

   3.0%value back ⓘ
   Apply
7. 7RORobinhood
   Robinhood Gold

   3× points · at 1.0¢/pt

   3.0%value back ⓘ
   Apply
8. 8CHChase
   United Club Infinite

   2× miles · at 1.3¢/pt

   2.6%value back ⓘ
   Apply
9. 9CHChase
   United Quest

   2× miles · at 1.2¢/pt

   2.4%value back ⓘ
   Apply
10. 10COCapital One
    Venture X

    2× miles · at 1.0¢/pt

    2.0%value back ⓘ
    Apply
11. 11COCapital One
    Venture X Business

    2× miles · at 1.0¢/pt

    2.0%value back ⓘ
    Apply
12. 12COCapital One
    Venture

    2× miles · at 1.0¢/pt

    2.0%value back ⓘ
    Apply

“Value back” = earn rate × the card's baseline point value (cpp) — a conservative, like-for-like estimate. Transferable points (Amex, Chase, Capital One) are often worth more than baseline. Category bonuses may be capped; see each card. All categories

How these numbers are calculated, and where every fact comes from: How we know this.