2026 Rankings
Best Cards for Online Shopping
Earn more on Amazon, e-commerce, and online purchases.
Online shopping is one of the fastest-growing spend categories. While few cards offer specific "online shopping" bonuses, some have excellent rates on subcategories like Amazon and general merchandise.
Top picks
No. 1 pick
Amazon Prime Visa
Chase
$0 (Prime req.)
5% back at Amazon and Whole Foods. The obvious choice if you have Prime.
Citi Double Cash
Citi
$0
Flat 2% on everything. No category tracking needed. Great for general online shopping.
Wells Fargo Active Cash
Wells Fargo
$0
Another strong flat 2% option with a generous sign-up bonus.
Chase Freedom Unlimited
Chase
$0
1.5x on everything, but UR points are worth more with a Sapphire card (effectively 2.5%+).
Tips
Most online purchases code as the merchant’s category, not "online shopping." Amazon codes as Amazon, Target.com codes as general merchandise.
For non-Amazon online shopping, a flat-rate 2% card is usually your best bet.
PayPal purchases code based on PayPal’s merchant category, which can be unpredictable.
If you shop at specific stores frequently, check if any card offers a bonus for that merchant.
Complete setup
The best cards for one category rarely make the optimal wallet.
These are great for online shopping, but the best combination depends on your total spending across every category. The optimizer evaluates every possible combination to find the mathematically proven best setup.
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Not financial advice. OptimalCardSetup provides mathematical optimization tools for educational and informational purposes only. This does not constitute financial, investment, or credit advice. Card rates, fees, and benefits shown are accurate as of Jul 11, 2026. Terms may change — always verify current details with the card issuer before applying.