Best Credit Cards for Online Retail

7 Cards Compared

Cards

Prime Visa Chase
Cash back
5% Fee: $0
AmazonAmazon FreshWhole Foods Market

Earn 5% back on Amazon.com, Amazon Fresh, and Whole Foods Market purchases with an eligible Prime membership.

Points
5x Until 6/30 Fee: $0
Amazon

Q2 2026: 1x base + 4x quarterly bonus = 5x total points. Includes Amazon.com purchases, digital downloads, Amazon Gift Cards, Amazon Fresh orders, Amazon Prime subscriptions, and third-party marketplace items. Excludes Amazon Pay and international Amazon sites. Requires activation at Chase.com/FreedomFive by June 14, 2026.

Cap: Shared $1,500 spending cap across all Q2 2026 bonus categories combined
Rakuten American Express First Electronic Bank
Cash back
4% Fee: $0
Rakuten

Extra 4% cash back on Rakuten purchases (online & in-store), stacks with portal cashback rates. After $7,000 cap, earns 1%.

Cap: Annual spending cap of $7,000 for extra 4% cash back on Rakuten purchases
Hilton Honors Surpass American Express
Points
4x Fee: $150

Earn 4x Points for each dollar on U.S. online retail purchases.

Blue Cash Everyday American Express
Cash back
3% Fee: $0

Earn 3% cash back on U.S. online retail purchases on up to $6,000 in purchases per year, then 1%.

Cap: Per year on U.S. online retail purchases, then 1%
Customized Cash Rewards Bank of America
Cash back
3% Fee: $0
Option: Online Shopping

Part of "Online Shopping" choice category. Earn 3% cash back on online retail when selected as your choice category (6% for first year after account opening).

Cap: $2,500 combined quarterly spending cap shared across your selected 3% choice category and 2% grocery/wholesale club purchases
Points
3x Fee: $95

3x ThankYou Points on online purchases at retail websites. Confirmed merchants include Amazon, eBay, Best Buy, Newegg, department stores. Excludes: Apple, prepaid/gift cards, real estate, medical services, insurance, taxes, government services

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