RANKED BY MATH, NOT SPONSORSHIPS
Best cards for online retail 📦
Ranked by real value per dollar (rate × point value at a balanced redemption).
6% on online retail · no annual fee
Two 6% categories you choose each quarter (often online shopping + other)
🎁 Welcome offer: $100 after $1,000 in 3 mo
5% on online retail · no annual fee
Amazon & Whole Foods with Prime membership
🎁 Welcome offer: $100
5% on online retail · no annual fee
5% off at Target & Target.com (store card discount)
3% on online retail · no annual fee
🎁 Welcome offer: $200 after $2,000 in 6 mo
3% on online retail · no annual fee
3% at Apple, plus select partners (Nike, Uber, Walgreens, T-Mobile, Exxon/Mobil, Ace) when paying with Apple Pay
Rankings use a balanced point valuation (adjust yours in Valuation). Community-maintained data — verify with the issuer. Not financial advice.