8 Best Credit Cards for Online Shopping Right Now

The Bank of America® Customized Cash Rewards Secured credit card offers great cashback rewards for a card that doesn’t require a high credit score. You can have a credit limit between $200 and $5,000, depending mainly on your security deposit.

You get 2% cash back at grocery stores and 3% cash back in your choice of these categories: gas, online shopping, dining, travel, drug stores, and home improvement. After your first $2,500 spending in any category, you will earn 1% back on purchases.

Other perks include checking your FICO credit score for free and the ability to move to an unsecured card with a refund of your security deposit. You can improve your chances by keeping your balances low and making your payments on time.

The American Express Blue Cash Preferred® credit card is great for all-around rewards and initial intro offers. With an intro APR of 0% on purchases and transfers in the first year, and up to 6% in cashback, this card is ideal for families looking to maximize rewards.

Although there is a steep annual fee, this is waived for the first year, and if you regularly spend in categories like groceries and streaming services, you’ll make that up in rewards. You’ll also earn a $250 statement credit after you spend $3,000 in the first six months.

Another benefit is a 3% cash back at gas stations and the rewards aren’t capped. There is another 3% bonus category for spending on rideshares, taxis, tolls, buses, parking, and trains.

There is a $0 initial annual fee for the first year; then it’s $95 a year. There is also a foreign transaction fee of 2.7% and rates vary between 18.99% and 29.99% APR.

The Amazon Prime Rewards Visa Signature credit card is a great option for those spending a lot at Amazon.com or Whole Foods Market. No other card provides the consistently high rewards this card does when it comes to spending at Amazon.com.

Redeeming rewards is very flexible; you can redeem your rewards on Amazon purchases, through Chase to book travel or buy gift cards, or just simply get cash back in your pocket.

Issued by Chase, the Amazon Prime Rewards Visa Signature credit card comes with a variable APR of 18.99% – 26.99%, no annual fee if you’re an Amazon Prime member ($139 a year), and a $200 Amazon Gift Card when you sign up.

The Chase Freedom Flex℠ credit card has no annual fee, great cardholder perks, and one of the most flexible cashback rewards programs available. You’ll earn 5% cash back on up to $1,500 in purchases that rotate quarterly. You’ll also earn 5% on travel purchases through Chase Ultimate Rewards®, 3% on dining, and 1% on all other purchases.

Chase doesn’t release the quarterly categories in advance, but some of the past categories included PayPal, Walmart, movie theaters, gas stations, Amazon.com, and streaming services.

There is no annual fee and a 0% intro APR for 15 months on purchases and transfers. The card comes with rates between 20.24% and 28.99% APR.

Wells Fargo Active Cash Visa® Card is a great option for cardholders looking for cash back on everyday spending. It offers unlimited 2% cash back on all purchases and cash rewards don’t expire as long as your account remains open.

The card comes with a 0% APR on purchases for the first 15 months and 0% APR on qualifying balance transfers for the first 15 months. You also get a $200 cash rewards bonus when you spend at least $500 on purchases in the first three months.

The Wells Fargo Active Cash Visa® Card also comes with added benefits like up to $600 in mobile phone protection against theft or damage when you pay your monthly mobile bill with your card. There is no annual fee, but there is a 3% foreign transaction fee.

The Target RedCard™ credit card is a store credit card offered by Target, a popular retail chain in the United States. It’s designed to provide benefits specifically for those who frequently shop at Target stores or on Target’s website.

The card has no annual fee and a 27.90% variable APR. One of the standout benefits of the Target RedCard™ Credit Card is the 5% discount on most Target purchases. This discount is applied at the time of purchase, providing immediate savings for cardholders.

Cardholders often enjoy free standard shipping on most items purchased at Target.com. This can add convenience and further savings for those who shop online.

The Chase Sapphire Preferred® Card is a good option for those who want a rewards card with entertainment benefits. It comes with an annual fee of $95, but the card offers good rewards like 60,000 bonus points when you spend at least $4,000 in the first three months. This relates to a bonus of $750 toward travel when redeemed through Chase Ultimate Rewards®.

The card comes with an APR of between 21.24% and 28.24%, along with no foreign transaction fees and the ability to transfer your bonus points to over a dozen travel partners.

The card does require a good credit score, but the benefits can be worth it if you’re a regular traveler who wants to earn bonus points and enjoy ongoing rewards.

The My Best Buy® Visa® card is a credit card offered in partnership between Best Buy, a leading electronics retailer, and Visa. It’s designed to provide benefits and rewards to regular shoppers at Best Buy stores and online.

The card offers a rewards program where cardholders can earn points on Best Buy purchases as well as other everyday purchases like groceries and dining. The points can then be redeemed for Best Buy gift certificates.

The standard version of the My Best Buy® Visa® Card typically has no annual fee, but there might be other versions with an annual fee that offer higher rewards.