Best Credit Cards for Online Shopping – December 2022

Want extra rewards or rebates on your online shopping purchases. Look to these credit cards first:

Blue Cash Everyday® Card from American ExpressOnline Shopping Rewards: EARN: 3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%)! In Addition, earn 3% cash back on groceries at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% cash back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. No annual fee.

NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn up to $250: Earn up to $150 back when you shop with PayPal — You’ll Earn 20% back as a statement credit on purchases when you use your new card to check out with PayPal at merchants in the first 6 months of Card Membership. PLUS earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.


Chase Freedom Flex℠ – Online Shopping Rewards: Earn 5% cash back in the 4th quarter of 2022 on online purchases made with PayPal (with this card as the funding source) when you “activate” this reward by acknowledging you want it. You’ll also earn 5% cash back on Walmart purchases in 4th quarter 2022 (through December 31, 2022). Note that you’ll earn the 5% cash back on up to $1500 of purchases in the Online Shopping/Walmart categories for Quarter 4 of 2022. Purchases beyond $1500 in those categories would earn 1%.

Note also that the 5% cash back categories on this card change each calendar quarter, so they will be different once 2023 begins. In the past, the 4th quarter of each year has usually been related to holiday shopping. In addition, you’ll earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 1% on all other purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. No annual fee.

Other credit cards to consider for online shopping rewards or discounts:

  • Amazon Rewards Visa Signature & Amazon Prime Rewards Visa Signature – Amazon Prime members earn 5% on Amazon and Whole Foods purchases, 2% at restaurants, 2% at gas stations, 2% at drugstores, and 1% on all other purchases. If you’re not an Amazon Prime member, you’d get 3% in rewards at Amazon & Whole Foods instead of 5%. (All the other categories would be the same.)
  • PayPal Cashback Mastercard – Earn 3% cash back on PayPal purchases and 2% cash back on other purchases with the card.
  • Walmart Credit Card – Earn 5% cash back on online purchases, 2% back inside Walmart stores & Walmart gas, as well as 2% at restaurants and 2% on travel, 1% on all other purchases.
  • Target RedCard – Get a 5% discount on Target purchases when you pay with the Target credit card.

Author: Adam Jusko

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