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If you, like millions of others, are doing most of your shopping online this year, you may as well make the most of it. Certain credit cards offer rewards on purchases that make online shopping that much sweeter. For instance, shopping through shopping portals might earn 15x points per $1 spent. Alternatively, some cards are offering extra rewards for purchases at Amazon or Apple. Here are some of the best credit cards for online shopping, just in time for the holiday season.

best credit cards for international travel
Best credit cards for online shopping can help you earn more rewards. Credit: American Express

Best Credit Cards for Online Shopping 2020

Best Travel Credit Cards for Online Shopping

Travel credit cards usually have the best sign up bonuses and card benefits. You should consider these cards first to maximize your online credit card spending.

Chase Sapphire Preferred Card – 60,000 Bonus Points Worth $750 in Award Travel

Frequent travelers will be the most impressed by the host of rewards offered by the Chase Sapphire Preferred card. After spending $4,000 or more during the first three months after opening the card, new account holders will receive 60,000 bonus points. This translates to $750 towards travel when redeemed through Chase Ultimate Rewards.

Chase Sapphire Preferred cardholders also get double points for purchases related to travel and dining. Plus, through April 30, 2021, cardholders automatically earn 2x points per $1 spent at grocery stores, up to $1,000 per month.

The Chase Sapphire Preferred credit card also offers a 1:1 point transfer to leading airline and hotel loyalty programs. And you can also earn more points per $1 by shopping through the Chase Ultimate Rewards portal.

Cardholders can also earn up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021. Cardholders don’t need a Peloton bike or treadmill to take advantage of the digital membership that includes 1,000s of on-demand or live fitness classes.

Additional Chase Sapphire Preferred benefits include unlimited deliveries with no delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with a DoorDash DashPass subscription. Activate your card by December 31, 2021.

Cardholders also earn 5x points on Lyft rides, through March 2022. 

Points are worth 25% more now through April 30, 2021, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature. Points are also worth 25% more when redeemed through the new Chase Dining hub in Ultimate Rewards, now through April 30, 2021.

Why This is the Best Credit Card for Online Shopping

In addition to rewards, the Chase Sapphire Preferred credit card offers “Purchase Protection” for up to 120 days after purchase. This means that if that perfect gift you found is damaged or stolen, Chase has your replacement covered. This coverage extends up to $500 per claim or $50,000 per account.

It also offers an Extended Warranty Protection plan – perfect for electronics. Chase extends the time period of the U.S. manufacturer’s warranty by an additional year (on eligible warranties of three years or less).

Be sure to brush up on the Sapphire application rules before applying. You can learn more about all of the benefits of this card in this in-depth Chase Sapphire Preferred review.

Capital One Venture Rewards Credit Card – 2x Miles on All Purchases

The Capital One® Venture® Rewards Credit Card comes with the ability to earn 2x miles on purchases, has a $95 annual fee but no foreign transaction fees, and the ability to redeem miles for travel statements.

The Capital One Venture credit card comes with Global Entry or TSA PreCheck fee credit (up to $100), and the ability to redeem Capital One Venture miles by transferring them to airline partners.

New cardholders can earn a 100k mile bonus by spending $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles if you spend $3000 on purchases in the first 3 months.

Learn more: Rewards Credit Cards

Chase Sapphire Reserve

A pristine rewards credit card is the Chase Sapphire Reserve. This premium travel rewards card offers 50,000 bonus Ultimate Rewards points after spending $4,000 in the first three months. Thanks to a 50% redemption bonus, your bonus points are worth $750 when you redeem them for award travel.

Plus, you can also transfer points on a 1:1 basis to airline and hotel partners. Some partners include Southwest Airlines, United Airlines, and World of Hyatt.

On every purchase, you earn 1 point per $1 spent. For dining purchases, you earn 3 points per $1 spent. Through April 30, 2021, cardholders automatically earn 3x points per $1 spent at grocery stores, up to $1,000 per month.

Travel purchases also earn 3x points per $1 spent but only after you’ve earned the $300 travel credit, another benefit worth noting. Chase is helping cardholders maximize this credit when they are not able to travel. To ensure cardmembers can take full advantage, gas and grocery have been added as qualifying purchases, through June 30th, 2021.

Besides the valuable rewards points, the real reason to get the Chase Sapphire Reserve® might be its additional travel benefits. Some of these benefits include:

  • Priority Pass airport lounge access
  • Global Entry or TSA PreCheck fee credit
  • One free year of Lyft Pink ($199 minimum value)
  • Free DoorDash DashPass subscription (activation required by 12/31/21)
  • Up to $120 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021

Points are also worth 50% more now through April 30th, 2021 when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.

World of Hyatt Credit Card

Sometimes, credit cards offer a tiered signup bonus. That’s the case with the World of Hyatt credit card.

You can earn up to 50,000 bonus Hyatt points in the first six months:

  • Receive 25,000 points by spending $3,000 in the first three months
  • Get 25,000 extra points spending $6,000 total within the first six months of account opening

If you don’t know, World of Hyatt points are some of the most valuable hotel points in the business. Like other hotel programs, free nights start at 5,000 points. But, the most expensive rooms only cost 30,000 points per night. With other loyalty programs, a mid-level property costs 30,000 points per night.

You can also get two free Hyatt nights each year. Your first night is automatic each anniversary year. By spending $15,000 in annual card purchases, you get a second free night.

Your holiday spending earns 1 point per $1. But if you spend at Hyatt, you’ll get 9x points. Additionally, you’ll earn 2x points for purchases made on:

  • Dining
  • Airline tickets directly from the airline
  • Local transit and commuting
  • Fitness club and gym memberships

Besides using this credit for shopping online, you can earn bonus points for booking your travel too.

Eligible Hyatt Legacy and World of Hyatt Cardmembers can also earn 3x points per $1 spent on groceries and 5x points per $1 spent on Amazon.com through December 31st, 2020.

Learn more: Hotel Rewards Credit Cards

Hilton Honors American Express Surpass Card

Depending on how often you stay at Hilton properties helps you decide which Hilton card is best for your needs.

The Hilton Honors American Express Surpass® Card is the “mass consumer” card. You earn a free weekend night after spending $15,000 in a year and earn up to 12x Hilton points for each dollar you spend on eligible Hilton purchases made directly with a hotel or resort in the Hilton portfolio. Plus, you get automatic Hilton Honors Gold status.

The welcome bonus is the ability to earn 130,000 bonus points after spending $2,000 in the first 3 months of account opening. The annual fee is $95 (See Rates & Fees).

Learn more: Hotel Rewards Credit Cards

Hilton Honors American Express Aspire Card

Editor’s Note: The information for the Hilton Honors American Express Aspire Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

With the Hilton Honors American Express Aspire Card, you will have plenty of luxury benefits. You get an automatic free weekend night certificate each year. The second free night happens when you spend $60,000 annually. Other benefits include $350 in Hilton credits, Hilton Honors Diamond status, and Priority Pass lounge membership.

New cardholders can earn 150,000 bonus points after spending $4,000 in the first 3 months of account opening. This card’s annual fee is $450 (See Rates & Fees) but can be offset if you can use the perks that come with it.

Either of the above Hilton cards offers the ability to earn over 100,000 bonus points, worth up to 30 reward nights.

The Chase Sapphire cards come with new benefits, including Peloton credits. Credit: Peloton

Best Cash Back Credit Cards for Shopping 2020

These cash back credit cards can also put some money back in your pocket for your shopping online.

Wells Fargo Propel American Express Card

The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.

The Wells Fargo Propel American Express® Card is a hybrid travel and cash rewards credit card. It doesn’t have an annual fee and it comes with a 20,000 point welcome offer after spending $1,000 in the first 3 months. This bonus is worth $200 in cash rewards.

You might prefer this card if you want to earn bonus points on your daily purchases. With the Wells Fargo Propel American Express® Card, you earn unlimited 3x points on these purchase types:

  • Dining
  • Gas, Rideshares, and Transit
  • Travel
  • Popular Streaming Services

All other purchases earn 1 point per $1.

This can be the perfect card for buying the new iPhone. Why? Well, with this card you get up to $600 in cell phone protection. Not bad.

Chase Freedom Flex

The Chase Freedom Flex℠ offers 5% cash back on the first $1,500 you spend in combined purchases in bonus categories that rotate quarterly (activation required). These bonus categories often include online shopping.

Additionally, cardholders automatically earn 5% on travel purchased through Chase, 3% on dining at restaurants (including takeout and delivery) and on drugstore purchases, and 1% on all other purchases. You can redeem your Freedom Flex rewards points for travel or cash rewards. If you own another Chase credit card, your points can be worth more when redeemed for travel.

The Freedom Flex doesn’t have an annual fee. Also, you earn an easy $200 bonus after spending $500 on purchases in the first 3 months of account opening. Cardholders also earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.

Citi Double Cash Card

The Citi® Double Cash Card is an easy card to use in that there is no need to activate categories. Cardholders can earn up to 2% cash back for every purchase, with no limit on how much can be earned. Earn 1% back when you buy, and the other 1% back when you pay for your purchases. To earn cash back, pay at least the minimum due on time.

There is no annual fee but there is also no current signup bonus offer.

American Express EveryDay Credit Card

The information for the Amex EveryDay® Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Amex EveryDay® Credit Card from American Express account holders are eligible to receive 10,000 Membership Rewards points after spending $1,000 within the first three months of opening an account. Membership Rewards points may be redeemed in the following ways:

  • Checkout at eligible merchants
  • Retail, entertainment, travel, and AMEX gift cards
  • Applied to eligible charges from previous statements
  • Travel booking
  • Transfer to an eligible loyalty program
  • Shopping for eligible products

There is no annual fee for this card (See Rates & Fees).

Why This is a Great Credit Card for Online Shopping

Account-holders can earn 20% more points if they use their card 20 times or more during a single billing period. If you have a long holiday list, this may be the card for you. The option to redeem Membership Rewards points at eligible retailers and for eligible purchases is an additional benefit that most points-based credit cards don’t offer. Points can also be used at Boxed, which offers products at wholesale prices.

Blue Cash Preferred Card from American Express

The Blue Cash rewards cards bonus rewards only apply to purchases made at eligible retailers. For example, the caveat that grocery store rewards only apply to purchases made at “U.S. supermarkets” isn’t as self-explanatory as it sounds. Eligible supermarkets do not include specialty stores (cheese shops, bakeries, etc.) or superstores (Target, Amazon, etc.).

Like the Chase Sapphire Preferred and Capital One Venture credit cards, the Blue Cash Preferred® Card from American Express credit card offers an extended warranty of up to 1 year on a manufacturer’s warranty of five years or less. The coverage is limited to the actual amount charged on your card for the item, up to $10,000 per item. The Blue Cash Preferred American Express credit card also offers Purchase Protection for up to 90 days and $1,000 per occurrence.

Rewards Rate: Cash back rewards vary dependent upon the type of expenditure. All Rewards Dollars can be redeemed for a statement credit. Cardholders can earn:

  • 6% cash back on the first $6,000 spent at U.S. supermarkets per year, then 1% thereafter
  • Unlimited 6% cash back on select U.S. streaming services
  • Unlimited 3% cash back at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses, and more
  • And unlimited 1% back on everything else

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Also, Plan It gives cardholders the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.

Available until 12/10/2020, there is a $0 introductory annual fee for one year, then $95 (See Rates & Fees). The welcome bonus is the ability to earn a $300 statement credit after spending $3,000 on purchases in the first 6 months. This offer also expires on 12/10/2020.

Learn more: Cash Back Credit Cards

Blue Cash Everyday Card from American Express

Just like the Preferred credit card, Blue Cash Everyday® Card from American Express account holders have access to the extended warranty, purchase protection, and ShopRunner benefits.

Rewards Rate: Cash back rewards vary dependent upon the type of expenditure. Cardholders can earn:

  • 3% cash back at U.S. supermarkets, up to $6,000 per calendar year (then 1% thereafter)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other eligible purchases

Cash back is received in the form of Reward Dollars that can be redeemed for statement credits. There is no annual fee for this card (See Rates & Fees).

As a welcome bonus, new cardholders can earn $100 back after you spend $1,000 in purchases on your Blue Cash Everyday® Card from American Express within the first 6 months of account opening. You can also earn 20% back on amazon.com purchases, up to $200 back, in the first 6 months of card membership.

Learn more: Cash Back Credit Cards

If you prefer cash back on your purchases over travel rewards, the Blue Cash credit cards from American Express may be the choice for you. Each card offers different percentages of cash back in expenditures at supermarkets, gas stations, and eligible department stores. The right card for you really depends on how much you spend.

Bank of America Cash Rewards credit card

The Bank of America® Cash Rewards credit card is also a no annual fee credit card that earns 3% cash back in the category of your choice, up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. Choices include gas, online shopping, dining, travel, drug stores, or home improvement/furnishings.

It also automatically earns 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase.

Rewards don’t expire and there is no annual fee. New cardholders can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Learn more: Cash Back Credit Cards

Capital One Walmart Rewards Mastercard

If you’re a frequent Walmart shopper, the Capital One® Walmart Rewards® Mastercard® might be perfect for you. It earns 5% cash back on Walmart.com purchases, including pickup and delivery, 2% cash back on purchases in Walmart stores, restaurants and travel purchases, 2% cash back in Walmart stores and at Walmart and Murphy USA Fuel Station, and 1% cash back on all other purchases everywhere else Mastercard® is accepted.

There is no annual fee for this card and no foreign transaction fee for this card. Cardholders can redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards.

New cardholders can earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval.

Learn more: Cash Back Credit Cards

Summary of Best Credit Cards for Online Shopping 2020

Some credit cards cater to places where you do the bulk of your online shopping. For other cards, you only earn the base reward. But with either card type, your spending helps you earn those coveted welcome offers. You may even qualify for card anniversary bonuses too.

Best Online Shopping Credit Cards

Related Posts: 

For rates and fees of the Hilton Honors American Express Aspire Card, please click here.

For rates and fees of the Hilton Honors American Express Surpass Card, please click here.

And For rates and fees of The Amex EveryDay® Credit Card, please click here.

For rates and fees of the Blue Cash Everyday® Card from American Express, click here

For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.

Johnny Jet Editorial
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Chase Sapphire Preferred® Card

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  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

1 Comment On "The Best Credit Cards for Online Shopping 2020"
  1. June b smith|

    No offer made re miles to either my husband or myself

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