The Points Pro

Best card for online shopping

The cards we track, ranked by what they earn on online shopping, with the credits and perks that sweeten the category.

Which card

  • Blue Cash Everyday Card
    3.00x Online shopping
    ~3.00¢/$ in American Express's rewards currency
    View
  • Hilton Honors American Express Surpass Card
    4.00x Online shopping
    ~1.60¢/$ in American Express's rewards currency
    View

Cards with this benefit

  • Capital One SavorOne More perks
    An online shopping tool that automatically applies available coupon codes to your order.
    And 1 more matching benefit on this card
    View
  • VentureOne Rewards More perks
    An online shopping tool that automatically applies available coupon codes to your order.
    View

Learn

  • Stacking Rewards Lesson, phase 2: Accumulation
    An online shopping portal is a link that sits between you and a retailer.
    Read the lesson
  • Travel Portals vs. Transfer Partners Lesson, phase 3: Redemption
    A bank portal prices your points at a fixed rate. A transfer partner prices them by its own award chart, and that is where the outsized value lives.
    Read the lesson
  • Hotel Redemptions and Family Suites Lesson, phase 3: Redemption
    Standard award rooms are built for two. How to get a family into suite space, adjoining rooms, or a whole rental without leaving the standard award price.
    Read the lesson
  • Flight Redemptions and Airline Alliances Lesson, phase 3: Redemption
    The seat belongs to one airline, the price belongs to the program you book through. How a family finds four award seats and pays the least for them.
    Read the lesson
  • Now on The Points Pro: Blue Cash Everyday Card and Blue Cash Preferred Article, Sep 15, 2026
    It earns 3x on gas and EV charging (capped), 3x on online shopping (capped), 3x on groceries (capped), and 1x on everything else.
    Read the article

Which card is best for online shopping? The ranking below scores each card's online shopping rate in cents per dollar at published point valuations; the calculator does the same across your whole monthly spend.

Good to know

  • Rates apply to the issuer's definition of the category, which can be narrower than the everyday word (a warehouse club is rarely "groceries").
  • Enter your actual monthly online shopping spend in the best card finder to see the value in dollars, alongside every other category you spend in.

Related

Hold any of these cards? Ask your own wallet about Online Shopping and Find answers from your cards, cycle state included.