25/04/2024 10:10 AM

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The Queen Of Beauty

Find the Right Card for You

Final Verdict

When choosing a credit card for online purchases, consider which stores or categories where you make the most purchases. Many credit cards offer additional rewards based on your spending. These cards may also offer protection in case your items are lost, stolen, damaged, or the store won’t accept a return.

Our choice for the best credit card for online shopping is the Capital One Quicksilver Cash Rewards Credit Card. You’ll earn an unlimited 1.5% cashback on your purchases and it offers a generous $200 cash bonus after spending just $500 within three months. Plus, Capital One offers an extended warranty on eligible items and virtual card numbers from Eno (your online virtual assistant) to protect your card details when shopping online. It has no annual fee and does not charge foreign transaction fees, so you can shop online or in-person without any surprise fees.


Compare the Best Credit Cards for Online Shopping


Editorial Picks

Capital One Quicksilver Cash Rewards Credit Card

Best Overall

Our pick for the best overall credit card for online shopping is the Capital One Quicksilver Cash Rewards Credit Card because of its unlimited 1.5% cashback on every purchase. New cardholders can earn a $200 bonus once you spend $500 on purchases within 3 months from account opening. Take advantage of a 0% intro APR on new purchases for 15 months.

Read the full Capital One Quicksilver Cash Rewards Credit Card Review.

Discover it® Cash Back

Best First Year Earnings

The Discover it Cash Back card offers the best first-year earnings because Discover will double all of the cashback that you earn during the first 12 months. It has no annual fee and you can earn up to 5% cashback on rotating quarterly bonus categories.

Read the full Discover it Cash Back Review.

Discover it® Student Cash Back

Best for Students

Students receive extra rewards from the Discover it Student Cash Back when they maintain at least a 3.0 GPA. This $20 annual bonus is in addition to the 5% cashback categories that rotate each quarter.

Read the full Discover it Student Cash Back Review.

Bank of America® Customized Cash Rewards Credit Card

Best for Flexibility

The best credit card for flexibility is the Bank of America Customized Cash Rewards Credit Card because you get to choose which category will earn 3% bonus cashback. You have six categories to choose from, including online shopping, dining, and travel.

Read the full Bank of America Customized Cash Rewards Credit Card Review.

Capital One Walmart Rewards Mastercard

Best for Walmart.com, Best for Online Groceries

When shopping at Walmart.com for groceries and other goods, the best credit card is the Capital One Walmart Rewards Mastercard. It earns 5% cashback at Walmart.com whether your order is for pickup or delivery and 2% when shopping in-person at Walmart.

Read the full Capital One Walmart Rewards Mastercard Review.

Costco Anywhere Visa

Best for Wholesale Clubs Online

The Costco Anywhere Visa is the best credit card for wholesale clubs online with 2% cashback on Costco.com purchases. Cardholders can also earn 4% cashback (up to $7,000) on eligible gas purchases at Costco and other gas stations.

Read the full Costco Anywhere Visa Review.

Amazon Prime Rewards Visa Signature Card

Best for Amazon.com

The Amazon Prime Rewards Visa Signature Card is the best credit card for shopping at Amazon.com because it earns 5% rewards on every purchase at Amazon and Whole Foods. You’ll earn a $100 Amazon gift card to spend instantly upon approval.

Read the full Amazon Prime Rewards Visa Signature Card Review.

What Credit Card Features Are Best for Online Shopping?

When shopping online, your credit card features can protect you and your items when used to pay for purchases. These are the critical factors we think you should consider when evaluating credit cards for online shopping.

  • Protection from unauthorized use: Although federal law limits losses from credit card fraud to $50, the best credit cards for online shopping offer $0 liability for unauthorized purchases.
  • Texts for unusual activity: This customer service security feature can alert you immediately should your card be used without your permission or knowledge.
  • Online chat: Being able to easily communicate with a customer service representative is important for quickly resolving any security concerns.
  • Ability to freeze or lock your account: This feature lets you lock down your credit account so no one can use it, in case you believe it has been compromised.
  • Virtual card numbers: One-time user credit card numbers protect you in case someone steals your data when shopping online. If they try to use the number to make additional purchases, their transaction will be declined.
  • Bonus rewards for online spending: The best cards for online shopping provide bonus rewards for purchases made with certain online retailers or in particular spending categories.
  • Access to online shopping portals: Some card issuers have created online shopping portals that provide extra rebates or discounts for merchandise and services.

How Do I Keep My Credit Card Information Safe While Online Shopping?

Before making a purchase online, ensure that the website has an HTTPS in front of its domain name. This signifies that the transaction is using a secure connection, which reduces the chance of someone stealing your information.

Unfortunately, there are still other ways for hackers to steal your credit card number, so the best way to keep your information safe when shopping online is to use a virtual credit card number. These are temporary credit card numbers that cannot be used by someone else and are issued for use by your credit card provider. The card numbers are typically restricted to a specific merchant for a set amount or number of transactions, including for a single-use. This prevents the need to use your actual credit card number that can be stolen or compromised.

Several third-party services offer virtual card numbers to protect your online shopping, like Albine Blur, Privacy, and Divvy. Some banks offer virtual card numbers free to their customers, such as Capital One virtual card numbers from Eno and Citi’s own virtual account service.

Can I Get a Credit Card for Online Shopping With Bad Credit?

When you have bad credit, the number of credit cards that you are eligible for are limited compared to someone with excellent credit. However, you can still get approved for a credit card to make online purchases. Depending on your personal circumstances, it may have to be a secured credit card that requires a deposit before being approved.

Are Store Credit Cards Good for Online Shopping?

Store credit cards offer many benefits when online shopping, such as free shipping, discounts, and exclusive sales. However, they are typically restricted to purchases at the store brand that issued them. Unless the card has a Visa, Mastercard, or American Express logo on it, the store card may not be used for purchases at other stores.


Methodology

To find the best credit cards for online shopping, we researched and reviewed more than 300 credit cards. These data points are constantly monitored for changes to ensure that you’re presented with the most up-to-date information possible for you to make an informed decision. The features, benefits, rewards, annual fees, and interest rates gathered are weighted by their importance and the results are compared against similar credit cards. This list represents the highest-rated cards based on the profiles for different types of online shoppers.