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The Best Online Shopping Credit Cards of 2020

Last updated on November 2nd, 2020

The combination of online holiday deals and the coronavirus pandemic mean getting the right credit card for online shopping is more important than ever before. But before you apply for your next credit card, check out some of the top options available. Here are BestCards’ picks for the best online shopping credit cards of 2020.

The Best Online Shopping Credit Cards of 2020

Here are our top credit cards for shopping online in 2020:

Discover it® Cash Back

It’s a card that’s seemingly on every “best of” list, but the Discover It Cash Back is tough to beat when it comes to online shopping. This fact is never more apparent than in Q4 of 2020. With it, you’ll earn 5% cash back on rotating categories each year. This year, like last year, the Q4 categories include,, and

If you are on the fence about getting a new card for the holiday season, there are few better options than the Discover It. Thanks to Discover’s Cashback Match, new accounts have all their cash back from year one automatically matched by Discover. For those who plan to spend heavily over the holidays, the 5% back on select online purchases can add up to some serious cash back.

Chase Freedom Flex® World Elite Mastercard

The Freedom Flex may be Chase’s newest credit card, but it’s already proving to be one of the business’s best. The card earns 5% back on PayPal and Walmart purchases through December 2020 plus 3% back on dining, delivery, and takeout. Add on the 5% cash back bonuses on groceries (for the first year) and travel booked through Ultimate Rewards, and the Flex has the versatility to help save money on every aspect of the holiday season.

Citi® Double Cash Card

Cards like the Discover It, Chase Freedom Flex, and the Capital One Walmart Rewards are great for online shopping, but they have limitations. Since these cards require users to make purchases at select retailers or through specific payment methods (like PayPal), they struggle for overall value.

The Double Cash Card sidesteps these issues by offering 2% cash back on all purchases. Regardless of where you swipe, you’ll earn 1% cash back when you make a purchase – and an additional 1% back when you pay off that purchase. And since there are no caps on earning, the Double Cash is a card that rewards you – no matter how much you spend.

PayPal Extras Mastercard

The PayPal Extras Mastercard, from Synchrony Bank, offers 3% cash back on purchases made using PayPal (plus 3% back on restaurant and gas station purchases). Since the card bears the PayPal name, it’s an excellent option for those who like to pay via the online payment platform, but want the peace of mind that they can still earn elevated rewards if their preferred payment method is unavailable. While not the most lucrative rewards option on the list, the flexibility of the PayPal Extras Card, as well as the decent rewards redemption options, make it a versatile cash back card.

Honorable Mentions

Want some more online credit card options to consider? Here are two cards that just missed out on our top spots:


Capital One® Walmart Rewards™ Card

If your online shopping frequently features Walmart, the Walmart Rewards Mastercard should be high on your list of potential new credit cards. From Capital One, the card earns 5% back on purchases at – including groceries for pickup and delivery. The card also earns 2% back in-store at Walmart, 2% back on restaurants, travel, fuel at Walmart and Murphy fuel stations, and 1% back on everything else.


Amazon Prime Rewards Visa Signature® Card

The Amazon Prime Rewards Card is a perennial favorite for online shopping, and it’s easy to see why. The card earns 5% cash back on Amazon purchases and comes with an Amazon gift card upon approval. Add to that the 5% at Whole Foods, and this is a credit card that can help you save while putting presents under the tree – and food on the table.

Featured photo by Laura Chouette / Unsplash

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.