Best online shopping credit cards of April 2024
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BLUEPRINT
Updated 4:26 a.m. UTC April 15, 2024
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The best credit cards for online shopping can take some of the sting out of your next purchase by putting points or cash back right back into your pocket. Deciding which online shopping credit card is best for you will depend on the stores you shop at frequently, as well as additional benefits like price protection or extended warranty coverage. We examined various credit cards in this category to cull a list of the best online shopping credit cards of April 2024.
Best online shopping credit cards
- Capital One Walmart Rewards® Card *: Best overall.
- Prime Visa *: Best for Amazon shoppers.
- Blue Cash Everyday® Card from American Express: Best for fast shipping.
- PayPal Cashback Mastercard® *: Best for brands that accept PayPal.
- U.S. Bank Shopper Cash Rewards® Visa Signature® Card *: Best for brand loyalists.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 135+ cards analyzed.
- 5+ data points analyzed.
- 5-step fact-checking process.
Best overall
Capital One Walmart Rewards® Card
*The information for the Capital One Walmart Rewards® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for Amazon shoppers
Prime Visa
*The information for the Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for fast shipping
Blue Cash Everyday® Card from American Express
Best for brands that accept PayPal
PayPal Cashback Mastercard®
*The information for the PayPal Cashback Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for brand loyalists
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
*The information for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Compare the best credit cards for online shopping
Earn 5% back in Walmart stores for the first 12 months when you use your Capital One Walmart Rewards Card with Walmart Pay – the quick and secure way to pay with your phone at Walmart
As a Prime member, get a $100 Amazon Gift Card instantly loaded into your Amazon account’s Gift Card Balance upon approval of your credit card application.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Get a $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
The information for the Capital One Walmart Rewards® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Capital One Walmart Rewards® Card * The information for the Capital One Walmart Rewards® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a rewarding choice for frequent Walmart shoppers, but what makes it a standout for online shoppers is that the card comes with price protection — a fast-disappearing benefit on credit cards. That means if the price of an eligible item you bought with your Walmart Rewards card drops within 120 days, you can be reimbursed for the difference. And, as any savvy shopper knows, the only thing better than buying something you’ve had your eye on is paying less for it.
In addition to price protection, the Walmart Rewards card offers other benefits for shopping and travel including trip cancellation and interruption insurance and an extended warranty on qualifying purchases.
- Annual fee: $0.
- Rewards: 5% cash back on Walmart.com & in the Walmart app, 2% cash back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA fuel stations and 1% cash back everywhere else.
- Welcome bonus: 5% cash back at Walmart stores for the first 12 months when using the card with Walmart Pay.
- Foreign transaction fees: $0.
The information for the Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Prime Visa * The information for the Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a money-saving powerhouse for those who frequently shop on Amazon, allowing you to earn a generous cash-back rate on purchases made with the online retail giant. That generous cash-back rate also applies to grocery purchases if you’re able to do your shopping at Whole Foods — and Prime members often score extra discounts on items both at Whole Foods and with the online retailer itself.
This card does not offer traditional 0% intro APR periods. However, cardholders may be eligible to choose a 0% APR period where they make equal monthly payments ranging from six to 18 months on qualifying purchases of $50 or more. After that a variable APR of 19.49% to 27.49% applies. A balance transfer fee of either $5 or 4% of each transfer, whichever is greater, applies. The card also comes with extended warranty and purchase protections, a slew of travel protections and access to Visa Signature perks like a concierge and discounts on Visa Signature hotels.
- Annual fee: $0 with Prime membership.
- Rewards: 5% back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.
- Welcome bonus: $100 Amazon gift card for Prime members upon approval.
- Foreign transaction fees: None.
Why this card made the list
For a card with no annual fee, the Blue Cash Everyday® Card from American Express (terms apply, rates & fees) is packed with valuable perks, including a complimentary ShopRunner membership. This benefit gets online shoppers complimentary two-day shipping on eligible items from more than 100 partner retailers.
Plus, cardholders who purchase the Disney Bundle — which combines select streaming subscriptions to Hulu, Disney+ and ESPN+ — can get $7 per month credited to their card via statement credit after spending $9.99 or more each month on an eligible subscription, to help cover the cost (subject to auto-renewal). Additionally, users can earn up to $15 back per month in statement credits towards a Home Chef meal kit subscription (subject to auto-renewal). Enrollment is required for select benefits.
- Annual fee: $0.
- Rewards: 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, 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 for eligible items at Amazon.com checkout.
- Welcome bonus: $200 statement credit after spending $2,000 in purchases in the first six months of card membership.
- Foreign transaction fees: 2.7% of each transaction after conversion to US dollars.
The information for the PayPal Cashback Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
There are more than 435 million active consumer and merchant PayPal accounts, so it’s likely that wherever you shop online, you’ll be able to pay via PayPal. When you pay with your PayPal Cashback Mastercard® * The information for the PayPal Cashback Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. at a merchant that accepts PayPal, you’ll earn an industry-leading cash-back rate. Plus, the card earns a competitive flat rate on all other purchases.
Know that a PayPal account is required to apply for the card. Cash back is added to your account daily, so you won’t have to wait until the end of your statement period. Paying with PayPal also qualifies you for purchase protection, which covers the cost of eligible purchases if it is not delivered or not what was described.
- Annual fee: $0.
- Rewards: 3% cash back when checking out with PayPal and 2% cash back on all other purchases.
- Welcome bonus: None.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
The information for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card * The information for the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a highly customizable credit card, allowing users to choose the two retailers they shop at most to score the card’s highest earn rates. This makes it a particularly rewarding choice for brand loyalists who spend a significant amount online at eligible stores – which include Amazon, Disney, Target, Wayfair and more.
- Annual fee: $0 intro annual fee for the first year, then $95.
- Rewards: 6% cash back each quarter on combined purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.
- Welcome bonus: $250 bonus after spending $2,000 in eligible purchases in the first 120 days of account opening.
- Foreign transaction fees: 3% of each foreign transaction.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.
Factors we considered when making our selections included:
- Rewards potential, particularly for online spending.
- Welcome bonuses (if any).
- Any shopper’s protections like price protection, purchase protection, return protection or extended warranty coverage.
- Other extras like additional discounts for holding the card or expedited shipping.
Should you get an online shopping credit card?
For those already doing a fair amount of online shopping, the right rewards credit card can help you recoup some of the cost. Using government data and other publicly available sources, we estimate the average cardholder in the market for this card spends about $1,802 per year on these purchases. Even a small percentage of that back can make a big difference.
For example, if you earned 3% cash back on that spend, you’d earn just over $54. And if you earned 5% cash back on it, that’s just over $90. With inflation chipping away at most household budgets, every little bit you can put back in your bank account helps.
Most of the cards on our list don’t charge an annual fee, so there is no cost to offset before you start reaping net value with rewards earned. Plus, by choosing a card with additional benefits, like price protection or free two-day shipping, you can save on the additional costs sometimes associated with online shopping.
Just keep in mind that if you carry a balance on your credit card, interest charges will essentially cancel out any cash back earned. An online shopping credit card can be a good tool for earning cash back, but you’ll still need to practice responsible spending.
Guide to online shopping credit cards
If you’re considering signing up for a card that rewards online shopping, there are plenty of great options available. Take a look at your past purchases and identify which retailers you shop at the most so you know where you can get the best deal. You should also consider what other categories the card earns rewards in, especially if you shop online less frequently. For instance, getting a card with a high rate on both online shopping and grocery purchases can help you spread rewards earning across a greater portion of your budget.
Frequently asked questions (FAQs)
The Prime Visa * The information for the Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is specifically designed for frequent Amazon shoppers. You must be a Prime member to qualify, but you can earn cash back at a generous rate on your Amazon orders. The card earns 5% back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.
If you balk at paying the Prime membership fee, which starts at $14.99 per month or $139 per year, a good alternative might be the Amazon Visa * The information for the Amazon Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. which has no membership requirement and earns 3% cash back in rewards at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, drugstores and on local transit and commuting and 1% back on all other purchases.
Yes, it is typically safe to use a credit card for online purchases. While online fraud is always a possibility, all the cards on our list come with $0 fraud liability, so if an unauthorized person makes charges, you won’t be responsible for the cost.
When shopping online, it never hurts to take precautions, though. Avoid making purchases with your credit card on an unsecured network or a public computer. Never enter your credit card information to make a purchase online with a website for a company you’ve never heard of before. It’s worth it to take a few moments to verify they’re legitimate before you share your payment information.
This depends on the shopper. Keep in mind that a debit card pulls from money you have in the bank while a credit card requires you to pay back purchases each month or be subject to interest. If you struggle to pay back your balance on your credit card, using a debit card can help you avoid temptation to overspend. But a debit card won’t offer the cash back or protections available on a credit card.
Yes, most store credit cards can be used to shop online within the store brand. Also, if your store card is “open-loop” and runs on a major payment network like Visa or Mastercard you can use it to shop anywhere. Check the terms and conditions of your particular card to be sure, and remember that certain merchants only accept payments from select card processors (i.e. American Express, Visa, Mastercard or Discover).
For rates and fees for the Blue Cash Everyday® Card from American Express please visit this page.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
*The information for the Amazon Visa, Capital One Walmart Rewards® Card, PayPal Cashback Mastercard®, Prime Visa and U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
