While it’s crucial to support local businesses as much as possible, there’s no denying that online sales are increasing as a result of their greater safety and convenience.

In reality, approximately 256 million people (the majority of the U.S. population), according to market research and analysis company Statista, have made online purchases. If we look closer, we discover that each month, more than 200 million individuals shop on the website of the world’s largest online retailer, Amazon.

Frequent internet buying, like in-store purchasing, is a significant opportunity to earn incentives that shouldn’t be passed up. But which card offers the most rewards for your online purchases and should you consider other factors like card annual fee and the best welcome bonus offer when selecting a rewards-earning credit card?

1. The Platinum Card® from American Express

There aren’t many cards out there that offer better advantages than The Platinum Card® from American Express when it comes to credit cards.

The Amex Platinum card is a premium card with a premium price tag, there is no doubt about that. It can easily prove to be one of the most profitable cards in your wallet year after year thanks to exceptional advantages like best-in-class airline lounge access, hotel elite status, and enormous value in annual statement credits.

The card is best for shopping at online retailers. The card also comes with free ShopRunner membership that provides complimentary 2-day shipping at select retail partners.

• Saks Fifth Avenue — The card provides up to $100 in statement credits — $50 for the period of January through June and $50 for July through December — for purchases at Saks Fifth Avenue.  Learn more about how to maximize your Saks statement credit in our article filled with lots of ideas for this fun credit.
• Walmart+ — The card provides a $12.95 monthly statement credit towards a Walmart+ membership, which includes free shipping, among other benefits.

2. Chase Freedom Flex℠

Particularly for a card with no annual fee, the Chase Freedom FlexSM really does carry a punch. The Freedom Flex card is a fantastic choice for anyone searching for a versatile cash-back card or, when paired with an elite card from the Ultimate Rewards family, a potent point-earner.

This card can become your go-to card for online shopping because it offers quarterly bonus earning categories that include online retailers. Online stores that offer 5% cash-back on up to $1,500 in purchases per quarter are frequently featured as bonus categories.

Another benefit of the Freedom Flex card is that eligible purchases of products purchased online (or brick and mortar merchants) could qualify for the card’s introductory 0% APR benefit with no interest charged for up to 15 months from card approval.

In addition to quarterly bonus categories that include retailers, you may be able to purchase retail gift cards to use for online shopping at other quarterly bonus category merchants selling gift cards such as supermarkets, drugstores, home improvement stores, office supply stores, and more.

3. Amazon Prime Rewards Visa Signature Card

You may add a credit card that will enable you to do that to your wallet with the Amazon Prime Rewards Visa Signature Card. There is no yearly charge and you can earn rewards on all of your purchases from Amazon and Whole Foods in addition to 3 other bonus categories.

For individuals who frequently buy on Amazon, getting the Amazon Prime Signature card is essentially a no-brainer when you take into account everything it has to offer.

With the Amazon Prime Signature card, Amazon Prime subscribers get 5% back on purchases from Amazon and Whole Foods Market.

4. Chase Sapphire Preferred® Card

One of the best travel rewards credit cards available is the Chase Sapphire Preferred® card. Travel, dining, online grocery shopping, and streaming services are among the bonus categories that you can use to earn a lot of bonus points.

Read Also: What is the Best Online Shopping App?

Additionally, it provides excellent travel insurance coverage, no foreign transaction costs, and various alternatives for reward redemption. With advantages like these, it’s clear why this card is a fantastic option for any traveler.

5. Chase Sapphire Reserve®

The Chase Sapphire Reserve® is one of your finest options if you’re looking for a top-notch travel rewards credit card.

The card combines good choices for earning and redeeming points with upscale travel advantages and extras like access to airport lounges. Additionally, it provides excellent travel insurance safeguards to keep you protected whether you’re at home or traveling.

Remember to take advantage of the $300 annual travel credit, which significantly lowers the annual charge!

Through March 31, 2025, each of these cards give bonus points on Peloton Bike, Tread, Row, and Guide purchases totaling more than $250. The Chase Sapphire Reserve card earns 10x points per dollar spent compared to the Chase Sapphire Preferred card’s 5x points per dollar spent with a maximum of 25,000 points earned.

U.S. Bank Cash+® Visa Signature® Card

For individuals who want to optimize their cash-back benefits, the U.S. Bank Cash+® Visa Signature® Card is a terrific option. It allows you to earn up to 5% back on a range of spending types.

Every three months, the cardholder gets to select two categories. Utility bills are a difficult expense to earn good rewards back on, therefore it’s also the best cash-back card to use for those.

Big earnings need choosing your own unique bonus categories. On online (and in-store) purchases from merchants including department stores, sporting goods or clothing stores, electronic stores, and even furniture stores, you’ll receive 5% cash-back. You can earn up to $2,000 every quarter by choosing two categories each quarter and making purchases in those categories online.

Keep in mind that normally stores such as Walmart.com, Target.com, and warehouse club websites do not count as online department store purchases.

Getting a credit card that offers significant rewards on online purchases could be a wise financial move if you frequently and frequently make large online purchases. If you’re a typical internet shopper, it may be beneficial to look into the promotions on cards you already own.

The economic worth of statement credits for online purchases and upgraded rewards is another advantage. It can be used to partially or fully offset the yearly fee you pay for your card.

You’ll profit by taking advantage of increased earnings, savings, or statement credits for your online shopping purchases, whether you obtain a new card to reward purchases made online or check existing cards for incentives.