How does SwipeCaddy pick the best card at eBay?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply eBay's card-acceptance rules, so the "best" card is one you can actually use at the register.

Do the 3% cards at eBay have spending caps?

Yes, both. The Blue Cash Everyday Card from American Express applies a spending cap, pays a lower rate once you pass it, and counts U.S. merchants only. Bank of America Customized Cash Rewards has a combined cap, drops to a lower rate after it, and requires choosing this category first. Track where you stand against the cap, then shift eBay purchases to a no-fee 2% card.

Is a flat 2% card good enough for eBay purchases?

For most people, yes. The top rate at eBay is 3%, so a flat 2% card gives up one percentage point in exchange for simpler terms. No-annual-fee 2% options include the American Express business cards, good on up to $50,000 a year, and Apple Card when you pay through the mobile wallet. Use a 3% leader if you already hold one; otherwise 2% is a fine floor.

Best cards at eBay

Blue Cash Everyday Card from American Express earns the most at eBay right now at 3%.

Rankings use issuer rates verified as of August 16, 2026.

In store

1
#13%
Blue Cash Everyday Card from American Express
American Express · Amex · No annual fee · up to $6,000/yr · Lower rate after the cap · U.S. merchants only
3%
2
#23%
Bank of America Customized Cash Rewards
Bank of America · Visa · No annual fee · Choose this category · up to $2,500/qtr (combined) · Lower rate after the cap
3%
3
#33x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
3x
4
#42%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
2%
5
#52%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2%
6
#62x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2x
7
#72%
Citi Double Cash Card
Citi · Mastercard · No annual fee
2%
8
#82%
Coinbase One Card
Cardless · Amex · No annual fee
2%
9
#92%
Fidelity Rewards Visa Signature Card
Elan Financial Services · Visa · No annual fee
2%
10
#102%
Navy Federal cashRewards Plus
Navy Federal · Mastercard · No annual fee
2%

Online

Good to know at eBay

eBay is an online-only merchant, so there is no in-store versus online split to think about, and no network restriction either — any major card works at checkout. There is also no store card in this ranking: the leaders are general no-annual-fee cash-back cards. Two of them pay 3% — the Blue Cash Everyday Card from American Express and Bank of America Customized Cash Rewards — with a deep field of 2% cards behind them.

Both leaders earn their 3% with conditions. Blue Cash Everyday caps the rate, drops to a lower rate past the cap, and counts U.S. merchants only. Customized Cash Rewards requires choosing this category, shares a combined cap, and also drops to a lower rate after it. Even the 2% tier has fine print: the American Express business cards top out at $50,000 a year, and Apple Card pays its 2% only through the mobile wallet.

If neither 3% card is in your wallet, the fallback is painless. The gap to the 2% tier is a single point, and three of those cards charge no annual fee. What we would skip: paying for that same 2% — the Capital One business options in this ranking carry fees from $95 to $395 a year, which eBay spending alone will not justify.

The math

Spend $300 a month at eBay and Blue Cash Everyday Card from American Express returns about $108 a year at our valuations — a flat 2% card returns $72.

Common questions

What is the best credit card at eBay?: Blue Cash Everyday Card from American Express earns the most at eBay right now at 3%.
How does SwipeCaddy pick the best card at eBay?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply eBay's card-acceptance rules, so the "best" card is one you can actually use at the register.
Do the 3% cards at eBay have spending caps?: Yes, both. The Blue Cash Everyday Card from American Express applies a spending cap, pays a lower rate once you pass it, and counts U.S. merchants only. Bank of America Customized Cash Rewards has a combined cap, drops to a lower rate after it, and requires choosing this category first. Track where you stand against the cap, then shift eBay purchases to a no-fee 2% card.
Is a flat 2% card good enough for eBay purchases?: For most people, yes. The top rate at eBay is 3%, so a flat 2% card gives up one percentage point in exchange for simpler terms. No-annual-fee 2% options include the American Express business cards, good on up to $50,000 a year, and Apple Card when you pay through the mobile wallet. Use a 3% leader if you already hold one; otherwise 2% is a fine floor.

Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.