This article is brought to you by the Personal Finance Insider team. It has not been reviewed, approved, or otherwise endorsed by any of the issuers listed. Some of the offers you see on the page are from our partners like Citi and American Express, but our coverage is always independent. Terms apply to the offers listed on this page.

Unlike groceries, dining, and travel, online shopping isn’t a common bonus category on rewards credit cards. But that doesn’t mean you can’t earn more than 1 point or mile per dollar you spend, or more than 1% cash back, when you buy things online. By picking the right card — and by taking advantage of online shopping portals and other deals like Amex Offers — you can actually rake in the rewards on these purchases. 

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Best for 2% cash back on everything:

Regular APR

13.99% – 23.99% (Variable)

2% cash back on all purchases

Balance Transfer Fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

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  • Details
  • Pros & Cons

    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • To earn cash back, pay at least the minimum due on time.
    • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
    • Balance Transfers do not earn cash back.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
    Pros
    • No annual fee
    • Simple earning structure
    Cons
    • Some cards earn higher rates of cash back on rotating categories


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    The Citi Double Cash earns 2% cash back on everything you buy: 1% cash back when you make a purchase, and another 1% back when you pay your bill. Since there are no bonus categories to keep track of, that means you can earn 2% back on your online purchases, no matter where you’re shopping. The card has no annual fee, either.

    Best for Amazon and Whole Foods purchases:

    Regular APR

    14.24% to 22.24%

    Credit Score

    Good to Excellent

  • Details
  • Pros & Cons

    • 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership
    • 2% back at restaurants, gas stations, and drugstores
    • 1% back on all other purchases
    • No annual credit card fee
    • No foreign transaction fees
    Pros
    • 5% cash back at Amazon and Whole Foods is hard to beat
    • Earns 2% cash back on other popular categories (restaurants, gas stations, drugstores)
    • No annual fee (though you have to be an Amazon Prime member)
    Cons
    • Other cards offer higher cash-back rates on non-Amazon purchases


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    If you want a card that offers bonus rewards on Amazon purchases, the Amazon Rewards Visa Signature Card is a solid choice, with 5% cash back at Amazon and Whole Foods. This could be a great option if you’re looking to stock up on supplies and order grocery delivery. There’s no annual fee, but you need to be an Amazon Prime member.

    Best for Costco.com purchases:

    Regular APR

    15.24% (Variable)

  • Details
  • Pros & Cons

    • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
    • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
    • 3% cash back on restaurants and eligible travel purchases
    • 2% cash back on all other purchases from Costco and Costco.com
    • 1% cash back on all other purchases
    • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
    • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
    • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi’s discretion.
    Pros
    • Generous cash-back categories, especially for gas purchases
    • No foreign transaction fee
    Cons
    • You can only receive rewards once per year
    • You need to visit a Costco location to redeem rewards for cash back instead of merchandise


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    For Costco members who shop with the big-box retailer online, the Costco Anywhere Visa® Card by Citi could be another smart choice. It earns 2% cash back on all Costco.com and Costco purchases, in addition to 4% cash back on the first $7,000 spent on eligible gas purchases each year (then 1%), 3% cash back on restaurants and eligible travel purchases, and 1% back on everything else. The card has no annual fee, but you need a paid Costco membership.

    Bonus cash back for online shopping: Bank of America Cash Rewards card

    This is another no-annual-fee card, and it’s the rare one that includes online shopping as a bonus category. You can earn 3% cash back on a category of your choice (options include online shopping portals as well as gas, dining, travel, drugstores, and home improvement/furnishings) and 2% cash back at grocery stores and wholesale clubs on up to $2,500 in combined purchases each quarter (then 1% back).

    If you’re looking to maximize your online shopping purchases with the Bank of America Cash Rewards card, your best best would be to only use it for online shopping, and put grocery store and wholesale club purchases on another card.

    Best for office supplies:

    Regular APR

    13.24%–19.24% variable APR

  • Details
  • Pros & Cons

    • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
    • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
    • 0% introductory APR for 12 months on purchases
    • Employee cards at no additional cost
    • No Annual Fee
    Pros
    • Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
    • Intro APR offer for purchases
    • No annual fee
    • You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
    Cons
    • Annual cap on bonus categories


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    If you’re a freelancer or a small business owner, the Ink Business Cash card is a great option for earning cash back on office supplies. You’ll earn 5% back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year (then 1% back).

    You’ll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each year (then 1% back). This card has no annual fee, and if you also have a Chase card that earns Ultimate Rewards points (such as the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card), you can move over cash-back rewards from the Ink Business Cash to redeem them as travel points.

    Best for purchase protection:

    Regular APR

    See Pay Over Time APR

    Featured Reward

    60,000 points after your spend at least $5,000 in your first 3 months of account opening

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  • Details
  • Pros & Cons

    • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
    • Enjoy VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
    • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
    • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
    • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
    • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts® program at over 1,000 properties. Learn More.
    • $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
    • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
    • $550 annual fee.
    • Terms Apply.
    Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired (no bonus rewards on general travel or dining)
    • One of the highest annual fees among premium travel cards


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    Especially if you’re making a large purchase, you’ll want to pay attention to what kind of purchase protection your credit card offers. The Amex Platinum card has one of the most generous policies, offering up to $10,000 in coverage per occurrence and up to $50,000 in coverage per year for stolen or damaged items.

    You need to submit a claim within 120 days (or 90 days for New York residents) to receive reimbursement through this benefit. The card only earns 1 point per dollar on online purchases — and it has a $550 annual fee thanks to its long list of travel benefits — but you may be able to stack it with an Amex Offer to each additional cash back or rewards.

    Bonus rewards for Zoom and Slack: Brex Corporate Card for Startups

    The Brex Corporate Card for Startups is unique in a few different ways. For one, it doesn’t require a credit check or a personal guarantee. It also offers bonus rewards on a variety of purchase categories — but you can only earn bonus points if it’s your only corporate card. 

    The card recently launched the Brex Remote Collaboration rewards program as an alternative to its standard rewards program. If you opt into this, instead of earning bonus points on rideshares and travel booked through Brex, you’ll earn 7x points on collaboration services including Zoom, Slack, GoToMeeting.com, Gong, and Monday.com. You’ll also earn 3x points with food delivery services including DoorDash and Seamless. 

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    Join Affiliate Bots Right Away

    Whenever you shop online, it’s worth taking a few extra seconds to go through a shopping portal, since you can earn a ton of bonus rewards or cash back by clicking through one of these sites.

    Airlines and credit card issuers, along with a handful of hotel brands, operate shopping portals that award you bonus loyalty points in their respective programs when you click through from the portal to a retailer’s website. For example, if you’re a United flyer, you can click through the airline’s MileagePlus Shopping site to earn bonus miles with Bed Bath & Beyond, Sephora, Staples, and dozens of other online shops.

    Online shopping portal bonuses change all the time, and not every portal partners with the same retailers. To see your best options for earning rewards, search for the retailer on Cashback Monitor or Evreward. Both of these sites show you all your different shopping portal options for earning points, miles, or cash back.

    Once you’ve decided which shopping portal you want to use, make sure you’re logged into your associated loyalty program account, then find the retailer in the portal and click through. This is an easy way to maximize a credit card purchases that would otherwise only earn you 1 point or 1% cash back.

    Don’t forget about Amex Offers and cash-back deals through Chase 

    If you have an American Express card or a Chase card, you could be able to save extra money on your online purchases through Amex Offers and Chase Offers, respectively.

    Amex Offers are limited-time deals available to cardholders, letting you earn cash back or bonus Membership Rewards points when you make purchases with retailers such as Wine.com, Levi’s, and Blue Apron. The offers are targeted, meaning not every cardholder will see the same deals in their account, and you need to make your purchase with the Amex card tied to a given deal in order to be eligible for cash back or bonus points.

    Chase Offers work similarly; if you have a Chase card like the Chase Freedom Unlimited or the Chase Sapphire Preferred, log into your account and see what offers are available. Click on any offers you want to use to add them to your account, then use the corresponding Chase card to complete your purchase. Currently, Chase Offers are limited to cash back, ranging from 10% back at H&M to 5% back at Rite Aid.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.

    Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

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