Credit cards offer great deals and rewards on online shopping. As more and more, people are shopping online, these credit cards offer great rewards. With the ease of mobile apps and websites, more customers are purchasing things online. It is easier to browse millions of items online and get them delivered in the comfort of your own home.
These credit cards offer specific and more rewards on buying either online at the time of checkout or through a statement credit. Credit cards also offer rewards on retail purchases. For details on the best credit cards to be used at retailers please check our post on best retailer credit cards.
Advantages of online shopping using credit cards
- Firstly, for customers who order from a particular online retailer (be it Amazon, Instacart, or others), these cards offer great rewards. For example, higher cashback rewards or points on placing orders using these credit cards.
- These cards also offer additional discounts on selected inventory or a particular website or eCommerce store.
- These credit cards also offer other rewards which are available from the card issuing company or the bank.
#1 Card Name: Instacard Mastercard
Fees: This card is available for a charge of $0 in annual fees but no foreign transaction fees.
APR: 19.24% – 27.99% variable APR
Rewards: Card members get a free year of Instacart and a $100 Instacart credit upon the approval of the credit card. They can earn a 5% cash back on purchases through Instacart.com or on the Instacart app from the vendors.
Our Ratings: 3 / 5
Pros and Cons of this card: Instacard charges an Instacard+ membership of $99/year. Instacard+ membership is required to keep this card active. As an Instacart+ member, card members are eligible for free shipping on all orders above $35. Instacart+ membership can be shared with one more user.
They also, get 5% cash back on travel purchased through the Chase Travel Center. They also receive 2% cash back at restaurants, gas stations, and on select streaming services. Finally, the card members receive a 1% cash back on the rest of their purchases.
Card members can choose to receive the cashback as a direct deposit to an account or receive it as a statement credit.
#2 Card Name: Amazon Prime Rewards Visa Card
Fees: This card has a $0 in annual charges
APR: 18.49 – 26.49% in variable APR.
Rewards: Card members receive a $100 deposit directly to their Amazon.com account on opening a new card account.
Our Ratings: 3 / 5
Pros and Cons of this card: The major pre-requisite for this credit card is to have an active Amazon Prime membership. Card members earn 5% of purchases as rewards for shopping on Amazon.com or Whole Foods. They also earn 2% in cashback shopping at gas stations and restaurants. Finally, they receive 1% cashback for all other spendings.
Chase and Amazon also offer another credit card Amazon Rewards Visa Card. The card doesn’t require a Prime membership but it also offers lower rewards.
Card members can redeem the cashback on Amazon.com or they can select to redeem it for gift cards, travel, or dining deals on Chase Rewards.
This card also offers extended warranty protection in the US on the manufacturer’s warranty by an additional year, on eligible warranties of three years or less. They also offer theft protection of up to $500 per claim for 120 days of any eligible item bought using this credit card. This card further, offer baggage delay insurance, zero liability protection, travel accident insurance, and lost luggage reimbursement. The above offers are only available in case the purchase is on this credit card.
Finally, this card offers the card members complimentary Visa Signature Concierge Service 24 hours a day.
#3 Card Name: eBay Mastercard
Fees: This card has a $0 in annual charges
APR: 18.49 – 26.49% in variable APR.
Rewards: Card members opening a new eBay Mastercard earn a $50 bonus statement credit. Though, they have to spend $150 or more on eBay within 30 days of account opening.
Our Ratings: 3 / 5
Pros and Cons of this card: Card members earn 5X points for the rest of the year after they spend $1,000 on eBay in a calendar year. Until then, earn 3X points per $1 spent up to $1,000 on eBay in a calendar year. Card members also earn 2X points per $1 spent on gas, restaurant, and groceries. For the rest of the purchases, they earn 1X points per $1 spent on all other Mastercard purchases.
Customers can redeem their points at eBay checkouts. 1,500 points amount to $10 in checkout value for the customers.
#4 Card Name: CapitalOne Walmart Card
Fees: This card has $0 in annual charges.
APR: 17.99 – 28.99% in variable APR.
Rewards: Card members earn 5% cash back on Walmart.com. This cashback is available for pickups and delivery. Furthermore, as an introductory offer, customers earn 5% cash back in Walmart stores. This offer is applicable only for the first 12 months after card approval when they use their Capital One Walmart Rewards Card with Walmart Pay.
Our Ratings: 3 / 5
Pros and Cons of this card: Card members earn 2% cash back In Walmart stores, at restaurants, and on travel. For the rest of the purchase, the customers can earn 1% cash back wherever Mastercard is accepted. This credit card is covered by $0 Fraud Liability if it is ever lost or stolen. That means card members will not be responsible for fraudulent purchases.
Card members can redeem the cash back for statement credits or direct deposit. They can also cover any recent purchases using the cashback. Card members can also redeem the cashback for gift cards from Walmart or other retailers. They can also redeem the points for any travel or trip purchase using the Capital One Walmart Rewards card.
#5 Card Name: America Express Blue Cash Everyday Card
Fees: This card has $0 in annual charges.
APR: American Express Blue Cash card offers a 0% intro APR on purchases and balance transfers. This offer is applicable for the first 15 months from the date of account opening. After that, a variable APR, 18.24% to 29.24%.
Rewards: Card members earn 3% cash back on U.S. online retail purchases, up to $6,000 per year on eligible purchases. They also earn $100 back as a statement credit after they spend $2,000 in purchases on the new Card in the first 6 months of Card Membership.
Our Ratings: 5 / 5
Pros and Cons of this card: Card members earn 3% cash back on everyday categories like U.S. Supermarkets and Gas Stations. Once the limit of $6,000 per year is hit, the cashback reduces to 1%. Card members can redeem the cashback anytime they want with no minimum limit.
Card members also earn 20% back as a statement credit on purchases. They have to use their new card to check out with PayPal at merchants in the first 6 months of Card Membership. Though the total limit for this offer is set up to $150 back.
#6 Card Name: U.S. Bank Shopper Cash Rewards Visa Signature Card
Fees: This card has an introductory offer of $0 in the first year and after that an annual fee of $95.
APR: 18.74% to 28.74%.
Rewards: Card members can earn a $250 bonus. For this offer to qualify they need to spend $2,000 in eligible purchases within the first 120 days of account opening
Our Ratings: 5 / 5
Pros and Cons of this card: Card members can earn up to 6% cash back at their favorite stores up to a maximum of $1,500 per quarter. They can also choose online stores from the list of available stores. Though, they can select only two stores out of the list of applicable 24 stores.
Card members can also get 3% cash back on their first $1,500 in eligible purchases on their choice of one everyday category. For example, the everyday categories include wholesale clubs, gas, EV charging stations, bills, and utilities. Finally, the card members earn 1.5% cash back on the rest of the eligible purchases.
Card members can earn more cash back when making purchases at over 1,100 online stores through the Rewards Center Earn Mall. They can also earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center.
Card members get the cash back as a statement credit, a rewards card, a merchant gift card or directly deposited into their U.S. Bank checking or savings account.