In today’s digital age, online shopping has become a major part of our lives. Whether you’re purchasing gadgets, clothing, groceries, or booking travel, using the right credit card can offer you significant savings, rewards, and discounts. Many credit cards provide exclusive perks and cash-back opportunities tailored to online shoppers, helping you maximize your purchases while enjoying rewards that can offset costs.

In this article, we’ll explore the best credit cards for online shopping and discounts in 2025, with a focus on those that provide the most value, including cashback, reward points, and special offers for online purchases.

Why You Need a Credit Card for Online Shopping

Using a credit card for online purchases can help you save money in multiple ways:

• Cashback: Many credit cards offer cashback rewards for online purchases, allowing you to earn money back on every transaction.
• Discounts: Some cards offer exclusive discounts or partnerships with online retailers, giving you access to special deals or coupon codes.
• Fraud Protection: Credit cards typically offer better fraud protection than debit cards, which is especially important when shopping online.
• Extended Warranties & Return Protection: Some credit cards provide extended warranties or return protection, which can offer extra peace of mind when shopping online.
• Rewards Points: Many cards give reward points for each dollar spent, which can be redeemed for travel, merchandise, or even statement credits.

Let’s dive into the top credit cards that provide excellent benefits for online shopping.

1. Chase Freedom Unlimited®

The Chase Freedom Unlimited® is an excellent card for online shopping, thanks to its straightforward cashback rewards structure and bonus categories that benefit e-commerce shoppers.

• Rewards: Earn 1.5% cashback on every purchase (including online shopping) and 5% cashback on travel purchases through Chase Ultimate Rewards and 3% on dining (including takeout and delivery).
• Sign-Up Bonus: Earn $200 after spending $500 in the first 3 months.
• No Annual Fee: This card has no annual fee, making it accessible for casual shoppers and those looking to maximize their cashback without a high cost.
• Other Perks: Purchase protection, extended warranty, and fraud protection, making it an ideal card for frequent online shoppers.

The Chase Freedom Unlimited® gives you cashback on everything, including online purchases, making it a versatile choice for those who shop frequently across various categories.

Key Highlights:

• 1.5% cashback on all purchases (including online shopping)
• 5% cashback on travel through Chase Ultimate Rewards
• 3% cashback on dining
• No annual fee
• $200 sign-up bonus after spending $500

2. American Express® Blue Cash Preferred® Card

For frequent online shoppers, the American Express® Blue Cash Preferred® Card stands out due to its impressive cashback offers on online purchases, especially when shopping for streaming services, groceries, and more.

• Rewards: Earn 6% cashback on select U.S. streaming subscriptions (including Netflix, Spotify, and Disney+), 3% cashback on U.S. online retail purchases (like Amazon and other e-commerce platforms), and 1% cashback on other purchases.
• Sign-Up Bonus: Earn $250 in statement credits after spending $1,000 on purchases in the first 3 months.
• Annual Fee: $95 (Note: the annual fee is waived for the first year)
• Other Perks: Enjoy purchase protection, extended warranty, and free return shipping on eligible purchases made using the card.

This card is ideal for people who shop frequently on streaming services, online retail stores, and those who want to earn substantial cashback for their digital subscriptions.

Key Highlights:

• 6% cashback on select U.S. streaming services
• 3% cashback on U.S. online retail purchases
• No annual fee for the first year ($95 after)
• $250 sign-up bonus
• Purchase protection and extended warranty on purchases

3. Amazon Prime Rewards Visa Signature Card

For Amazon shoppers, the Amazon Prime Rewards Visa Signature Card is the ultimate choice. This card is tailored specifically for online shoppers who frequently shop on Amazon and enjoy the perks of being a Prime member.

• Rewards: Earn 5% cashback on Amazon.com and Whole Foods Market purchases for Amazon Prime members, 2% cashback at restaurants, gas stations, and drugstores, and 1% on other purchases.
• Sign-Up Bonus: Earn $150 in Amazon gift card bonus after making $500 in purchases within the first 3 months.
• No Annual Fee: For Prime members, there is no annual fee for the card, as the Amazon Prime membership covers the cost.
• Other Perks: Access to Visa Signature benefits, including travel protection and purchase security.

If you’re a Prime member and frequently shop on Amazon, this card will provide you with the best value, earning you 5% cashback on every Amazon purchase.

Key Highlights:

• 5% cashback on Amazon and Whole Foods purchases for Prime members
• 2% cashback on dining, gas, and drugstores
• No annual fee for Prime members
• $150 Amazon gift card bonus
• Travel and purchase protection benefits through Visa Signature

4. Citi® Double Cash Card

The Citi® Double Cash Card is a great choice for those who want a simple, no-fuss cashback card for online shopping, offering a generous cashback rate on all purchases.

• Rewards: Earn 2% cashback on all purchases—1% when you make the purchase and another 1% when you pay it off. This is ideal for consistent cashback with no category restrictions, perfect for online shopping across multiple platforms.
• Sign-Up Bonus: While this card doesn’t offer a sign-up bonus, its 2% cashback on all purchases is one of the best flat-rate rewards structures available.
• No Annual Fee: There is no annual fee, making this card a cost-effective option for online shoppers who don’t want to worry about category restrictions or limits.
• Other Perks: Fraud protection, purchase protection, and extended warranty.

The Citi® Double Cash Card stands out for its 2% cashback on all purchases, including online shopping, making it a solid and straightforward option for shoppers who want to earn rewards on everything they buy.

Key Highlights:

• 2% cashback on every purchase (1% when you buy, 1% when you pay)
• No annual fee
• Purchase protection and extended warranty
• No sign-up bonus but excellent for consistent cashback

5. Capital One QuicksilverOne Cash Rewards Credit Card

For those with fair or average credit, the Capital One QuicksilverOne Cash Rewards Credit Card is an excellent option for earning cashback on online purchases without the worry of foreign transaction fees.

• Rewards: Earn 1.5% cashback on every purchase, including all online shopping, without worrying about category restrictions or limits.
• Sign-Up Bonus: There is no sign-up bonus with this card, but the consistent 1.5% cashback on all purchases makes it a great choice for those who prefer simplicity.
• Annual Fee: $39 (A relatively low annual fee for the perks offered)
• Other Perks: Fraud protection, and purchase security for peace of mind when shopping online.

With its 1.5% cashback on all purchases and no foreign transaction fees, the Capital One QuicksilverOne card is ideal for shoppers who want a straightforward, no-annual-fee card with solid rewards on every purchase.

Key Highlights:

• 1.5% cashback on all purchases, including online shopping
• No foreign transaction fees
• $39 annual fee
• Purchase protection and fraud protection

Final Thoughts

If you’re an avid online shopper, having the right credit card can maximize your savings and rewards. Whether you’re looking for high cashback rates, exclusive discounts, or simple, flat-rate rewards, the cards listed above are some of the best choices in 2025. The Chase Freedom Unlimited® is a great all-around card, while the Amazon Prime Rewards Visa Signature Card is perfect for those who shop frequently on Amazon. If you prefer simplicity, the Citi® Double Cash Card offers 2% cashback on all purchases with no annual fee.