7 Best Credit Cards For Online Shopping & Purchases 2022

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Reviewed by Randolph Vialva, MBA
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U.S. Bank Cash-1

U.S. Bank Cash+™ Visa Signature® Card

Editor's choice

⭐⭐⭐⭐⭐
5 stars

Discover It

Discover it® Cash Back

Best first year earnings

⭐⭐⭐⭐⭐
5 stars

Bank Of America-credit-card

Bank of America

Best for Flexibility

⭐⭐⭐⭐
4 stars

Many people love online shopping due to its convenience and affordability. Shopping can get even cheaper when you use a credit card. Credit cards offer online shoppers rewards that can offset the card issuer’s fees. 

Reward credit cards offer either cashback, miles, or points as per your spending. Out of the numerous credit cards that you can find in the market today, we have narrowed your search for the best credit card for online shopping to just seven. 

Top 7 Best Credit Cards for Online Shopping 2022

The Best Credit Cards for Online Shopping – U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

Here are a few to consider:

  • Up to 5% cash back on purchase in eligible categories
  • Awesome welcome bonus
  • $0 annual fees & Introductory APR on balance transfers
U.S. Bank Cash-1

U.S. Bank Cash+™ Visa Signature® Card

  • Welcome bonus
  • Reward rates on eligible categories
  • Introductory APR on balance transfers
Discover It

Discover it® Cash Back

  • Double first year earning
  • Unlimited Cashback Match
  • Low Intro APR
Bank Of America-credit-card

Bank of America® Customized Cash Rewards Credit Card

  • Great cashback rewards
  • Awesome bonus offer
  • $0 annual fee
PayPal Cashback

PayPal Cashback Mastercard®

  • High flat-rate reward
  • Cash rewards never expire
  • No earnings restrictions
Amazon Prime Rewards Visa Signature Card-1

Amazon Prime Rewards Visa Signature Card

  • No annual & foreign transaction fees
  • Discount on Amazon & Whole Food purchases
  • Easy redemption
Capital One-credit card

Capital One® Walmart Rewards™ Mastercard®

  • Great rewards on Walmart purchases
  • $0 annual & foreign fees
  • Walmart mobile app purchases
Target REDcard-1

Target REDcard™ Credit Card

  • 5% off Target in store or online purchases
  • Free standard shipping
  • No annual fee

Compare 7 Best Credit Cards for Online Shopping August 2022

U.S. Bank Cash+™ Visa Signature® Card

If you seek a simple card that offers awesome rewards, this is the one we recommend. 

  • You can earn up to 5% cashback on purchase in eligible categories
  • Offer unlimited 2% cashback in different eligible categories
  • HAs an awesome welcome bonus
  • Has foreign transaction fee
  • The 5% cashback rate is limited to the first $2,000 in eligible purchases in chosen categories each quarter

You only need to spend $1,000 after you apply online to earn a $200 rewards bonus. Additional spending of up to $2,000 in combined purchases each quarter on at least two eligible chosen categories can improve your earnings to 5% cashback.

Other rewards include 2% cashback on one eligible everyday category including grocery stores, restaurants, or gas stations, and 1% cashback on all other eligible purchases. 

Other benefits include a $0 annual fee, 0% Intro APR on balance transfers for 18 months. However, you can incur a 2% foreign transaction fee and other fees, such as balance transfer and cash advance.

 Discover it® Cash Back

Discover offers the opportunity to double your first-year earnings, making it a great choice for seasonal shopping.

  • Earn 5% cashback on everyday purchases
  • Unlimited Cashback Match
  • Low Intro APR
  • Fewer benefits compared to top competitors
  • Limited options for high-rate rewards

Discover will automatically match all the cashback a cardmember earns at the end of the first year. Other rewards include 5% cashback on everyday purchases at different places each quarter, up to a quarterly maximum of $1,500 in spending, when activated. The rotational shopping categories include Amazon, grocery stores, gas stations, restaurants, and when you pay with PayPal.

Another reward worth mentioning is the 1% cash-back earned on all other purchases. No minimum spending and annual fee requirements. 

Bank of America® Customized Cash Rewards Credit Card

This card offers bonus cashback on an eligible category of your choice making it our number one pick for best online rewards flexibility. 

  • Their cashback rewards are generous
  • They offer an awesome bonus that can easily be earned
  • No annual fees.
  • Spending caps on premium rewards earnings
  • Limited redemption options

You only need to make at least $1,000 in purchases within the first 90 days of account opening and earn a $200 online cash rewards bonus. For balance transfers made in the first 60 days, you get a 0% Introductory APR for 15 billing cycles of purchases.

In addition to introductory bonuses, you also earn the following:

  • 3% cashback in the category of your choice.
  • 2% at grocery stores and wholesale clubs up to $2,500 in a combined choice category or grocery store or wholesale club quarterly purchases.
  • Unlimited 1% on all other purchases

All these come at $0 annual fees and the rewards don’t expire.

PayPal Cashback Mastercard®

This is a simple solution for anyone seeking no-fuss cash-back rewards.

  • There is no earning restriction or categories to manage
  • The cash rewards never expire
  • You are guaranteed a high flat-rate reward
  • Very high APR
  • No welcome bonus or intro APR offer

This card earns 2% on everyday purchases or simply any time you use your card. No rotating category to keep track of. Furthermore, there is no limit to how much you can earn and cash rewards don’t expire.

Besides, the cash rewards can be redeemed to your PayPal balance. All you need to have is a PayPal account in order to apply for this credit card.

Amazon Prime Rewards Visa Signature Card

Looking for the best online shopping rewards from Amazon.com and Whole Foods groceries? This is a great choice.

  • No annual and foreign transaction fees
  • 5% cashback on Amazon.com purchases
  • Easy redemption while shopping
  • Requires a paid Amazon Prime membership
  • Low one-time offer

Upon approval, Amazon prime card welcomes you with $150 if you are not a member. For eligible prime members, you are guaranteed a welcome bonus of $200. This is great considering it is an instant bonus with no spending criteria. Many store cards don’t offer a sign-up bonus at all. 

For Amazon members, the rewards are awesome. Amazon.com and Whole Foods Market purchases will earn unlimited 5% rewards. You also earn 2% at gas stations, restaurants, and drugstores. But the 5% apply to Whole Food grocery store purchases as well. 

There are no annual fees or transaction fees required. The only fee you will incur is a one-time $119 Amazon subscription. 

Capital One® Walmart Rewards™ Mastercard®

If you prefer shopping in-store at Walmart, this is a great card to consider.

  • High rewards on Walmart purchases in the first year
  • No caps on rewards at the highest rates
  • No annual or transaction fees
  • The 5% Walmart in-store rewards are short-lived
  • No welcome bonus

Though this is a co-branded credit card, you can use it anywhere where a credit card is accepted and earn bonus rewards. However, you are guaranteed awesome rewards when you use them at Walmart stores.

In 12 months after account opening, you earn 5% back on Walmart.com, the Walmart app, and on Walmart grocery pickup and delivery when you use Walmart Pay at checkout. You will also get a regular 2% back on purchases at Walmart stores, Walmart & Murphy USA Fuel Stations, and on dining and travel purchases. 

Though they don’t charge annual fees, there is no introductory 0% APR on purchases or balance transfers.Additionally, they don’t have any proper welcome bonus categories. 

Target REDcard™ Credit Card

If you are a fan of shopping at Target, this is the best card to go for. 

  • 5% discount on nearly all Target purchases
  • Free 2-day shipping on Target.com
  • Extended returns for 30 extra days in-store or online
  • Late payment fees and high APR can outweigh the 5% discount
  • Restricted to target purchases

This is a great store card for those who frequently shop within its red-accented walls. For frequent Target store shoppers, this card offers a 5% discount on nearly all Target store purchases or online purchases. 

Other perks include free two-day shipping on qualifying items, an extended window for returns, and other special offers. You can also look forward to 10% on your cardholder anniversary. No membership fees or annual fees are required. 

What Credit Card Features Are Best for Online Shopping?

When selecting the best credit card for online shopping there are features that should not be missed out on. These include:

Protection from unauthorized use[1]: The best credit card for online shopping should offer $0 liability for unauthorized purchases.

Ability to lock or freeze your account: In case you suspect your credit account has been compromised, you should be able to lock it down or freeze it so that no one can use it.

Online chat: Online chat is a quick way to communicate to customers which is very crucial for quickly resolving any security concerns.

Bonus rewards for online spending: The best online card should offer generous shopping and provide bonus rewards for purchases made with certain online retailers in particular spending categories.

Access to online shopping portals: Online shopping portals offer extra rebates or discounts for merchandise and services.

Can I Get a Credit Card for Online Shopping With Bad Credit?

You can still get approved for a credit card to make online purchases even when you have bad credit. However, you are limited on the number of credit cards that you are eligible for compared to someone with excellent credit. But keep in mind that some credit cards (a secured credit card) require a deposit before being approved for online shopping.

Are Store Credit Cards Good for Online Shopping?

Store credit cards are restricted to purchases at the store but that doesn’t mean they are not good for online shopping. The best store credit card offers a lot of benefits when used for online shopping in its eligible store. These benefits include exclusive sales, rewards, free shipping, discounts, and more. 

Frequently Asked Questions (FAQs)

Is it safer to shop online with a credit card?

Online shopping purchases or transactions are usually safer, particularly when you are shopping with major retailers. However, you’ll have to pass an extra level of purchase protection[2], using a security pin, which ensures the card is yours. 

Should I have a separate credit card for online purchases?

It is a good idea to have a separate credit card just for online purchases. This is because the incidence of “card not present” fraud is higher than that for transactions where the card is physically presented to the merchant.

What should you consider when choosing a credit card for shopping online?

There are several factors to look at when choosing a credit card for online shopping. But the main ones include annual fees, APR, points/cashback/miles, charges among others.

How Do I Keep My Credit Card Information Safe While Online Shopping?

The best way to keep your information safe when shopping online is by using a virtual credit card number. These are temporary credit card numbers that cannot be used by someone else and are issued for use by your credit card provider.

What credit score do you need for an Amazon credit card?

To be considered for co-branded Amazon Signature cards you must have a good credit score of at least 670.

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ABOUT THE AUTHOR

ABOUT THE REVIEWER

An organized and creative thinking sales management professional with experience in outside and inside sales in various markets. A freelancer in the Greater Boston Market moved to St. Louis and became an Account Executive, then a Sales Manager managing and coaching 12 sales reps covering a nationwide territory. I’ve developed my team with a combination of consultative selling and value before price coaching mindset which has won me a President's Cup and many other financially rewarding awards at RICOH. My most recent role as a Continuous Improvement Manager provided insight into the importance of delivering a quality product in alignment with the value and reputation of my organization. It further enhances the aspect of selling on value as opposed to price.

+ 2 sources

Bizreport Advisor adheres to strict editorial integrity standards avoids using tertiary references. We have strict sourcing guidelines and rely on peer-reviewed studies, academic research. To ensure the accuracy of articles in Bizreport, you can read more about the editorial process here.

  1. SADGALI, I., SAEL, N. and BENABBOU, F. (2019). Fraud detection in credit card transaction using machine learning techniques. 2019 1st International Conference on Smart Systems and Data Science (ICSSD). [online] Available at: https://ieeexplore.ieee.org/abstract/document/9002674 [Accessed 9 Feb. 2022].
  2. Dinger, E. and Sauer, J. (2020). Protecting Your Name: A Survey of Montanans on Identity Theft. Dspacedirect.org. [online] Available at: https://ncvc.dspacedirect.org/handle/20.500.11990/1136 [Accessed 9 Feb. 2022].