Best cards for online retail
General online shopping (not a single merchant).
#13%3%Blue Cash Everyday Card from American Express
American Express · Amex · Spending cap applies · Lower rate after the cap · U.S. merchants only
#23%3%Bank of America Customized Cash Rewards
Bank of America · Visa · Choose this category · Cap (combined) · Lower rate after the cap
#32%2%Apple Card
Chase · Mastercard · Pay with the mobile wallet
#44x4xHilton Honors American Express Surpass Card
American Express · Amex · U.S. merchants only
Common questions
- What is the best credit card for online retail?
- Blue Cash Everyday Card from American Express leads with 3% (spending cap applies; lower rate after the cap; u.s. merchants only).
- How does SwipeCaddy pick the best online retail card?
- We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and surface the fine print so the "best" rate is one you can actually get.
Rankings reflect published earn rates and a conservative valuation of each rewards currency. SwipeCaddy earns no affiliate commission.