Advertiser Disclosure — This site may receive compensation when you click links and apply for credit cards. Compensation may impact which products appear and their placement. We strive to provide accurate information but cannot guarantee all details are current. This site does not include every credit card available. Always verify terms with the card issuer before applying. Full disclosure
Home › Best Credit Cards › Best for Online Shopping

Best Credit Cards for Online Shopping (March 2026)

Ranked by actual rewards rates at online shopping merchants. 5 cards tested.
Updated March 11, 2026·PointsPick Data Team
Data verified March 2026 · Methodology
Quick Answer

The best credit card for online shopping in 2026 is the Sapphire Preferred ($95/yr annual fee). We compared 5 cards across rewards rates, fees, and benefits to find the top picks.

Top 5 Cards Compared

#1
Sapphire Preferred
Sapphire Preferred
Top Pick
Chase ·
8.0
3x Online Grocery$95/yrNo FTF75,000 points
Sapphire Preferred earns 3X on online grocery, for just $95/yr, no foreign transaction fee, plus a 75,000 points signup bonus.
Apply Now
Rewards Rate
3xOnline Grocery
5xTravel Via Chase Portal
3xDining
3xStreaming
1.0xAll other purchases
Intro Offer
75,000 points
Annual Fee
$95/yr
Foreign Fee
None
Transfer Partners
Yes
Why we picked it: Sapphire Preferred earns 3X on online grocery, for just $95/yr, no foreign transaction fee, plus a 75,000 points signup bonus.
Pros
  • 3X on online grocery
  • Low $95/yr annual fee
  • No foreign transaction fee
Cons
  • $95/yr annual fee
Apply Now Full Review →
#2
Rakuten
Rakuten
Runner Up
American Express ·
7.0
3x Rakuten partner$0/yr feeNo FTF
Rakuten earns 3X on rakuten partner stores, with no annual fee, no foreign transaction fee.
Apply Now
Rewards Rate
3xRakuten partner stores
1xEverything Else
1.0xAll other purchases
Intro Offer
N/A
Annual Fee
$0
Foreign Fee
None
Transfer Partners
No
Why we picked it: Rakuten earns 3X on rakuten partner stores, with no annual fee, no foreign transaction fee.
Pros
  • 3X on rakuten partner stores
  • No annual fee
  • No foreign transaction fee
Cons
  • No point transfer partners
  • No signup bonus
Apply Now Full Review →
#3
Blue Cash Everyday
Blue Cash Everyday
American Express ·
7.0
3x US online retai$0/yr feeNo FTF
Blue Cash Everyday earns 3X on us online retail purchases, with no annual fee, no foreign transaction fee.
Apply Now
Rewards Rate
3xUS online retail purchases
3xUs Supermarkets
3xUs Gas Stations
1xEverything Else
1.0xAll other purchases
Intro Offer
N/A
Annual Fee
$0
Foreign Fee
None
Transfer Partners
No
Why we picked it: Blue Cash Everyday earns 3X on us online retail purchases, with no annual fee, no foreign transaction fee.
Pros
  • 3X on us online retail purchases
  • No annual fee
  • No foreign transaction fee
Cons
  • No point transfer partners
  • No signup bonus
Apply Now Full Review →
#4
Upromise
Upromise
Barclays ·
7.0
3x Upromise partne$0/yr feeNo FTF
Upromise earns 3X on upromise partners online, with no annual fee, no foreign transaction fee.
Apply Now
Rewards Rate
3xUpromise partners online
2xEverything
1.0xAll other purchases
Intro Offer
N/A
Annual Fee
$0
Foreign Fee
None
Transfer Partners
No
Why we picked it: Upromise earns 3X on upromise partners online, with no annual fee, no foreign transaction fee.
Pros
  • 3X on upromise partners online
  • No annual fee
  • No foreign transaction fee
Cons
  • No point transfer partners
  • No signup bonus
Apply Now Full Review →
#5
Hilton Honors Surpass
Hilton Honors Surpass
American Express ·
7.0
4x US online retai$95/yrNo FTF
Hilton Honors Surpass earns 4X on us online retail, for just $95/yr, no foreign transaction fee.
Apply Now
Rewards Rate
4xUS online retail
12xHilton Hotels
6xUs Restaurants
6xUs Supermarkets
1.0xAll other purchases
Intro Offer
N/A
Annual Fee
$95/yr
Foreign Fee
None
Transfer Partners
Yes
Why we picked it: Hilton Honors Surpass earns 4X on us online retail, for just $95/yr, no foreign transaction fee.
Pros
  • 4X on us online retail
  • Low $95/yr annual fee
  • No foreign transaction fee
Cons
  • $95/yr annual fee
  • No signup bonus
Apply Now Full Review →
RelatedSapphire Preferred vs Rakuten·Sapphire Preferred Review·Rakuten Review·Blue Cash Everyday Review·Upromise Review·Hilton Honors Surpass Review

Top 5 Picks in Detail

#1. Sapphire Preferred

The Sapphire Preferred from Chase earns 3x on online grocery with a $95/yr fee that nets ~$85/yr on $500/mo online shopping spend, plus a 75,000 points welcome bonus worth ~$938.

Read Full Review →Apply Now →

#2. Rakuten

The Rakuten from American Express earns 3x on rakuten partner stores with no annual fee.

Read Full Review →Apply Now →

#3. Blue Cash Everyday

The Blue Cash Everyday from American Express earns 3x on us online retail purchases with no annual fee.

Read Full Review →Apply Now →

#4. Upromise

The Upromise from Barclays earns 3x on upromise partners online with no annual fee.

Read Full Review →Apply Now →

#5. Hilton Honors Surpass

The Hilton Honors Surpass from American Express earns 4x on us online retail with a $95/yr fee that nets ~$145/yr on $500/mo online shopping spend.

Read Full Review →Apply Now →

Our Methodology

Our online shopping rankings are based on 5 data points across reward rates, annual fees, signup bonuses, and cardholder benefits. We pull data from 35+ independent verified sources including official card terms, issuer disclosures, and industry databases. Rankings are computed algorithmically with no affiliate influence on card placement or scoring. Cards are re-evaluated monthly as terms change. For the full breakdown of our scoring model, see our methodology page.

Frequently Asked Questions

What is the best credit card for online shopping in 2026?
The Sapphire Preferred is our top-ranked card for online shopping in 2026, earning 3X rewards with a $95/yr annual fee. We compared 5 qualifying cards based on category-specific bonus rates, annual fees, and cardholder benefits.
How did you rank these online shopping credit cards?
We ranked 5 cards by their actual category-specific bonus rate using data from 35+ verified sources. Cards earning higher rewards in online shopping rank higher. We also factor in annual fees, signup bonuses, and cardholder benefits.
Is there a no-annual-fee card for online shopping?
Yes — the Rakuten is the top no-annual-fee option for online shopping in our rankings.
How often are these rankings updated?
Rankings update automatically when card terms change. Data last verified: March 11, 2026.
PointsPick may earn a commission when you apply through our links. Full disclosure
This ranking draws on data from 35+ independent sources. Rankings are data-driven with no affiliate influence on placement. Last verified on March 11, 2026. Full methodology: www.pointspick.com/methodology.