Going through the brick-and-mortar route to buy stuff can be a tedious task. Online shopping offers a distinct set of advantages making it a convenient option for buyers who love to laze around after office hours. But the art of good shopping is knowing how to spend each penny on groceries and goodies. Using the appropriate credit card can save a huge chunk of money. Therefore, for the ease of shoppers, we have compiled a list of the best credit cards for online shopping in 2024. Using the right credit cards for shopping can snag your savings to a maximum of 5%.
Table of Contents
Quick Overview – Best Credit Cards for Online Shopping in 2024
- Wells Fargo Active® Cash Credit Card – Overall best option for everyday spending
- Amazon Prime Rewards Visa Signature Card– Great option for Amazon and Whole Foods purchases
- U.S. bank Cash +® Visa Signature® Card – Best for greater flexibility and customization for online shopping
- Blue Cash Everyday® Card from American Express – Great option for all those who spend regularly on online shopping
- Bank of America® Customized Cash Rewards Credit Card – Best for 0% Introductory APR and extra cashback bonuses
- Chase Freedom Flex℠ – Great for buying Live Entertainment ticket
- Discover it® Cashback – Best for all seasonal shoppers
- U.S bank Shopper Cash RewardsTM Visa Signature® Card – Great choice for all those who want to choose their own bonus categories
Charting the Best Credit Cards for Online Shopping in 2024
| Best Credit Cards for Online Shopping in 2024 | Annual Fee | Rewards |
| Wells Fargo Active® Cash Credit Card | $0 | 2% cash back on all purchases |
| Amazon Prime Rewards Visa Signature Card | $99 | 5% cash back on all Amazon.com and Whole Foods Market purchases, 2% cash back at restaurants, gas stations, drugstores, and select travel merchants, and 1% cash back on all other purchases |
| U.S. bank Cash +® Visa Signature® Card | $0 | Earn 5% cash back on two categories you choose each quarter at UScellular, gas stations, home improvement stores, grocery stores, dining, utilities, travel, and drugstores, up to $2,000 per quarter on combined eligible purchases, 1.5% cash back on all other purchases |
| Blue Cash Everyday® Card from American Express | $0 for first year and $95 for the next years | 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 2% cash back at U.S. gas stations and select U.S. online retail stores (up to $6,000 per year, then 1%), and 1% cash back on all other purchases |
| Bank of America® Customized Cash Rewards Credit Card | $0 | 3% cash back on the category of your choice each quarter, up to $2,500 in combined eligible purchases per quarter; 2% cash back at grocery stores and wholesale clubs (up to $2,500 per quarter in combined eligible purchases); 1% cash back on all other purchases |
| Chase Freedom Flex℠ | $0 | 5% cash back on travel purchased through Chase Ultimate Rewards®, 5% cash back on rotating quarterly categories (activation required), 3% cash back on dining at restaurants including takeout and eligible delivery services, 3% cash back at drugstores, and 1% cash back on all other purchases |
| Discover it® Cashback | $0 | 5% cash back at different places each quarter up to the quarterly maximum when you activate, then 1% on all other purchases |
| U.S. bank Shopper Cash Rewards Visa Signature® Card | $0 for first year then $95 for next years | 6% cash back on mobile wallet purchases, 2% cash back on two categories of your choice, 1% cash back on all other purchases |
Wells Fargo Active® Cash Credit Card
| Annual Fee | $0 |
| Reward Rate | 2% |
| Introductory Offer | $200 |
| Required Credit Score | 690-850 |
The Wells Fargo Active® Cash Credit Card tops up the list of the best credit cards for online shopping in 2024 as it gives 2% cash back on all the purchases you make. The no annual fee and simple rewards offered by this card are extremely easy to redeem. In addition, Wells Fargo has a solid lineup of credit with this card being the premium option comes with 0% introductory APR for a duration of 15 months from the account opening.
Highlights
- Get $200 cash reward bonus after you make purchases of up to $500 in the first 3 months
- Get unlimited 2% cashback on all the purchases you make
- Being one of the best credit cards for online shopping in 2024, you get introductory APR for 15 months and then a variable APR of 20.24%,25.24 %, and 29.99%.
- Charges no annual fee with balance transfer fee of 3% in the first 120 days and then 5% with minimum charges of at least $5.
- No categories to track and the cash rewards don’t get expire as long as you have your account functional
- Benefit from the Premium collection of the world’s most intriguing hotel properties with Visa Signature Concierge
- Get up to $600 cellphone protection damage only in case you have payed the cell phone bills through an eligible Wells Fargo card
Amazon Prime Rewards Visa Signature Card
| Annual Fee | $0 |
| Reward Rate | 1%- 5% |
| Introductory Offer | $100 |
| Required Credit Score | 690-850 |
If Amazon is your go-to online store for online shopping then nothing beats the perks of Prime Visa. This card being on the list of best credit cards for online shopping in 2024 praise your loyalty for Amazon and Whole Food by offering greater rewards. You can earn 5% cashback on Amazon and Whole Food but the mandatory condition is that you should own a Amazon Prime Membership.
Highlights
- With the best credit cards for online shopping in 2024, you get $100 Amazon Gift Card after verification of Amazon Prime membership
- Get 5% cashback if you make purchases on Amazon.com, Amazon Fresh, Whole Food Market, and on Chase Travel purchases with eligible Prime membership
- Earn a total of 2% cashback on gas stations, restaurants, local transits that include ride share as well.
- Earn 1% cash back on all the other purchases
- Charges no annual fee and you can also redeem daily rewards at Aamzon.com
- Member FDIC
U.S. bank Cash +® Visa Signature® Card
| Annual Fee | $0 |
| Reward Rate | 1%-5% |
| Introductory Offer | $200 |
| Required Credit Score | 690-850 |
With this card you have the option to choose two categories of your own choice in each quarter and can easily earn a cashback of 5%. It is important to note that you are only eligible for 5% cashback in case you have a prescribed spending cap. Being in the list of best credit cards for online shopping in 2024, it’s a great match for avid reward optimizers. In brief, this card is suitable for all those who spent daily on items and can get best return on every penny.
Highlights
- Get a bonus of $200 after spending $1000 on eligible purchases with in the first 120 days of account opening
- With the best credit cards for online shopping in 2024, you get 5% cash back in each quarter with eligible purchases of $2000 in the two chosen spending categories
- Earn 5% cash back on hotel accommodations, car reservations, prepaid air that is booked directly in the Reward Center
- Get 2% cash back on everyday categories like Gas stations, Grocery Stores, Restaurants and EV charging stations
- Earn 1% cash back on the eligible purchases
- Offer 0% introductory APR on balance transfers for the first 18 billing cycles and then a variable APR of 19.49%-29.49%
Blue Cash Everyday® Card from American Express
| Annual Fee | $0 for the first year and $95 for next years |
| Reward Rate | 1%-3% |
| Introductory Offer | $200 |
| Required Credit Score | 690-850 |
The Blue Cash Everyday® Card from American Express is a great option for all those who are looking for credit cards to save on the most common expenses. As a big chunk of budget goes to groceries, pumps and other items so to compensate the expenses it charges no annual fee. Being in the list of best credit cards for online shopping in 2024 you can easily get $200 statement credit after making eligible purchases. In nutshell , this card is the best choice with greater net cash back on groceries and supermarkets.
Highlights
- Offers decent welcome bonus of $200 as statement credit after spending $2,00 on purchases in the first 6 months
- Get 3% cash back on US supermarkets, gas stations, and other online retail purchases within the US
- Earn 1% cash back on all the other purchases. Being one of the credible and best credit cards for online shopping in 2024, it offers cashback in the form of reward dollars that can be redeemed for statement credit
- Offers 0% introductory APR for a tenure of 15 months on purchases and balance transfers followed by variable APR of 19.24%-29.99%.
- Charges a balance transfer fee of either 5% or 3%
Bank of America® Customized Cash Rewards Credit Card
| Annual Fee | $0 |
| Reward Rate | 1%-3% |
| Introductory Offer | $200 |
| Required Credit Score | 690-850 |
The flexible and more rewarding card, Bank of America® Customized Cash Rewards Credit Card offers you the option to select your desired categories. This card offers great rewards for bank of America Preferred Rewards members. Being one of the suitable options among the best credit cards for online shopping in 2024, the quarterly spending cap is bit low from other card holders. Furthermore, it comes with appealing 3% cashback on multiple categories including grocery stores, wholesale clubs and much more.
Highlights
- Get $200 as an online cash reward bonus after you make purchases of at least $1000 in first 90 days of account opening
- Get 3% cash back in the category of your desired choice with a list of expanded categories that includes 2% at grocery stores and wholesale clubs with overall $2500 combined spending in each quarter
- Get unlimited 1% cash back on all other purchases
- Earn 3% cash back on gas, cable , streaming and phone services
- In case you are a Preferred Reward member, you can easily get 25-75% cash back on every purchase. That essentially means that you could easily earn 3.75%-5.25% cash back in the category of your choice
- Charges no annual fee and rewards don’t expire until you have account running
- Contactless card that comes with the convenience of a tap
- Offers 0% Introductory APR for the 15 billing cycle for purchases and for balance transfer its only 60 days. After the introductory APR offer end a variable APR of 18.24%-28.24% will be applied
Best 0% APR Credit Cards of October 2023
If you want to save a huge chunk of money, look for credit cards with lengthy introductory APR period. Although Bank of America® Customized Cash Rewards Credit Card offers 0% APR for duration of 15 billing cycles but there are other viable options as well. The card that tops up the list of best 0% APR credit cards includes the Wells Fargo Reflect® Card with 0% introductory APR on purchases and balance transfers for a duration of 21 months.
Chase Freedom Flex℠
| Annual Fee | $0 |
| Reward Rate | 1%-5% |
| Introductory Offer | $200 |
| Required Credit Score | 690-850 |
If you are looking for a card with $0 annual fees and rewarding bonus categories, look no other than Chase Freedom Flex℠. This card being in the list of best credit cards for online shopping in 2024 offers 5% bonus reward category that can altered after every 3 months. But before deciding on the bonus categories, it is crucial to analyze the spending pattern to make the most out of this credit card. With no annual fee, it offers impressive returns across multiple spending categories and viable to pair with Chase Ultimate Rewards credit cards for shoppers.
Highlights
- Get $200 as a sign up bonus after you make purchases of at least $500 in the first 3 months
- Earn 5% cash back with $1,500 combined spending on the bonus categories in each quarter
- Get 5% cash back on travel purchased through the Chase Ultimate Rewards
- Enjoy 3% cash back on dug store purchases , dining at restaurants ( including delivery and takeaway)
- Get unlimited 1% cash back on all other purchases
- Through the Premier reward program you can redeem rewards for cash back , travel, gift cards and much more
- Being one of the best credit cards for online shopping in 2024, you can redeem any amount of rewards even as little as $0,01 in cash back
Discover it® Cashback
| Annual Fee | $0 |
| Reward Rate | 1%-5% |
| Introductory Offer | Cashback Match |
| Required Credit Score | 690-850 |
If you are good at tracking your spending, then the bonus categories of this card can benefit you to a greater extent. Being in the list of the best credit cards for online shopping in 2024, the card is the winner for everyday spending with multiple rewards at the same time. It lets the big spenders to facilitate the cashback match and can easily double the amount with no minimum and maximum spending.
Highlights
- For the sign- up bonus you can get unlimited cashback from Discover. The Discover will automatically match all the cash back you earned in the first year. The good aspect is that there is no restriction on minimum spending or maximum rewards.
- Being the greatest and best credit cards for online shopping in 2024, you can earn 5% cash back on everyday purchases like grocery stores, restaurants, gas station, and much more in each quarter.
- Earn 1% cash back on all purchases automatically
- One of the unique aspects that’s not common in the other best credit cards for online shopping in 2024 is special emphasis on data protection. This card lets you reduce expose your online information in the cyber world. You can activate this using the mobile application
- Offers 0% introductory APR for tenure of 15 months followed by variable APR of 17.24-28.24
U.S Bank Shopper Cash RewardsTM Visa Signature® Card
| Annual Fee | $0 in the first year followed by $95 in the next years |
| Reward Rate | 1%-5% |
| Introductory Offer | $250 |
| Required Credit Score | 690-850 |
With eye-popping rewards, this card is another suitable option among the best credit cards for online shopping in 2024. It’s a viable choice for cashback maximizers who get up to 6% cash back on combined spending of $1500 in each quarter. If you are willing to manage the bonus categories then it can generate you enough rewards to use for a long span of time. In brief , for anyone who is looking to amp up their rewards , this card is wallet friendly option for them.
Highlights
- With this card you get $250 bonus after spending a total amount of $ 2,000 in eligible purchases in the first 120 days of account opening
- Being one of the best credit cards for online shopping in 2024 , it can earn you a 6% cashback with eligible combined purchases of $ 1500 and the two retailers
- Earn 3% cash back in multiple categories like gas stations, wholesale clubs, EV charging stations, home utilities, and bills after spending $1500 in each quarter
- Get 1.5% cash back on the other eligible purchases
- 5.5% cash back on prepaid hotel reservations and prepaid car that is directly booked through rewards center
- No restriction or limit on cash back earned or redeemed
- Enjoy exclusive access to an Online Shopping portal with multiple discounts
Frequently Asked Questions
Which is the best shopping credit card to have in US ?
Although there are multiple options but Wells Fargo Active® Cash Credit Card is regarded as the top and best credit card for online shopping in 2024. The card charges no annual fee with greater rewards and is among the best flat-rate cash-back credits. Although it comes with balance transfer fees but you can benefit from the introductory APR period to reduce your cost.
Is it good to use credit cards for shopping?
Yes, paying with a credit card lets you make an easy transaction in a matter of seconds. With the best credit cards for online shopping in 2024 you can get greater benefits and cash back.
