Credit Cards for Online Shopping

Credit cards that are good for online shopping are designed to provide convenience, security, and additional benefits for those who frequently make purchases on the Internet. They offer features that prioritize security and offer rewards or protections specific to online transactions. They often provide robust fraud protection measures, including advanced encryption technology, secure payment gateways, and zero liability policies, which protect the cardholder from unauthorized charges. These cards may offer additional benefits such as purchase protection, extended warranties, and dispute resolution assistance to ensure a smooth and secure online shopping experience. Furthermore, some credit cards tailored for online shopping may offer rewards or cash back on digital purchases, bonus points for certain online retailers, or discounts on online subscription services. These credit cards empower users to shop confidently and provide added value through rewards and protections designed for the digital shopping landscape.

Best Credit Cards

  • Freedom Flex®: best for maximizing cashback, 5% cashback on rotating quarterly bonus categories, 3% on dining and drugstores, 1% on everything else, plus a sign-up bonus and 0% intro APR
  • Prime Visa: best for Amazon Prime members, 5% cashback on Amazon and Whole Foods + welcome offer
  • Instacart Mastercard®: best for frequent Instacart users, 5% cashback on Instacart and Chase Travel purchases
  • Susan G. Komen® Customized Cash Rewards Visa®: best flexible cashback credit card for breast cancer research supporters
  • Customized Cash Rewards: our pick for flexible cashback + 0% intro APR for 15 months
  • DoorDash Rewards Mastercard: best for frequent DoorDash users, offers 4% cashback on DoorDash and Caviar orders, 3% on dining, 2% on grocery stores, plus 1 year of DashPass, no annual fee and no foreign transaction fee
  • Amazon Visa: best for regular Amazon and Whole Foods shoppers, offers 3% back at Amazon.com and Whole Foods Market, 2% at restaurants, gas stations, and transit, with no annual fee and no transaction fee, plus a $50 Amazon Gift Card upon approval.
  • Sapphire Preferred®: best for earning up to 5x points on travel, a generous sign-up bonus, and valuable travel benefits
  • IHG One Rewards Premier: low-fee card for IHG hotels + sign-up bonus and high rewards
  • IHG One Rewards Premier Business: low-fee business card for IHG hotels + sign-up bonus and high rewards

DoorDash Rewards Mastercard

Apply now

On Chase's Secure Website

DoorDash Rewards Mastercard
4.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4% cashback on DoorDash and Caviar orders, 3% on dining, 2% on grocery stores, and 1% on all other purchases.

1% - 4% Cashback

Welcome Offer Approved applicants receive a free year of DashPass membership ($96 value), which will auto-renew at the current rate. Cancel anytime.

Free Year of DashPass Membership ($96 value)

Welcome Offer

Approved applicants receive a free year of DashPass membership ($96 value), which will be auto-renewed at the current rate. DashPass members enjoy $0 delivery fees, reduced service fees, and exclusive benefits on every eligible order. Cancel anytime.


Rewards (if applicable)

  • 4% Cashback on DoorDash and Caviar orders.
  • 3% Cashback on Dining.
  • 2% Cashback on Grocery Stores.
  • 1% Cashback on All Other Purchases.

Partner Benefits

  • DashPass Anniversary Bonus: Receive a complimentary DashPass membership every year with $10,000 in annual card spend.
  • 10% Off Monthly Order: Get 10% off one convenience, grocery, alcohol, retail, or DashMart order each month. Offer valid through 12/31/2025.
  • Lyft Credits: Receive a $5 Lyft credit after paying for 3 Lyft rides in a calendar month with your card. Offer valid through September 30, 2025.
  • Priceless®: Immerse yourself in virtual and in-person experiences with Mastercard Priceless Experiences®.

Redemption Options

Redeem rewards for DoorDash and Caviar orders, cash, and gift cards.


Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.24% - 27.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • World Elite Concierge: Complimentary 24/7 concierge service to help with dining reservations, finding hard-to-get items, travel planning, and more.
  • Chase Offers: Activate personalized deals from popular merchants and earn automatic cash back when you use your eligible Chase card.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • 24/7 Customer Service.
  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The DoorDash Rewards Mastercard® is a strong option for frequent DoorDash and Caviar users who want to earn rewards on food delivery and everyday spending. It offers 4% cashback on DoorDash and Caviar orders, 3% on dining (when paying the restaurant directly), 2% at grocery stores both online and in-store, and 1% on everything else. There’s no annual fee, and new cardholders get a free year of DashPass, which includes free delivery and lower service fees on eligible orders. The card also includes helpful perks like purchase protection, extended warranty coverage, and travel insurance. It’s a great fit for those who often order takeout, shop for groceries, and want added peace of mind with built-in protections.

Amazon Visa

Apply now

On Chase's Secure Website

Amazon Visa
4.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, Audible, and on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $50 Amazon gift card instantly upon approval.

$50 Amazon Gift Card

Welcome Offer

Earn a $50 Amazon gift card instantly upon approval.


Rewards

  • 3% Cashback:
    • Amazon.com
    • Amazon Fresh
    • Whole Foods Market
    • Audible
    • Chase Travel purchases
  • 2% Cashback:
    • Restaurants
    • Gas stations
    • Local transit and commuting
  • 1% Cashback on all other purchases.

Redemption Options

  • Redeem points for cashback, gift cards, travel, or purchases at Amazon.com.
  • Daily Rewards Redemption: Use your points as soon as the next day, no waiting required.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.49% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Roadside Assistance: In the event of a roadside emergency, call for dispatch service anytime. Any applicable service fees will be charged to your card at the time of assistance.
  • Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
  • Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment when you pay for air, bus, train, or cruise travel with your card.
  • Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
  • Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Chase Offers: Activate personalized deals from popular merchants and earn automatic cash back when you use your eligible Chase card.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Interest-Free Monthly Payments: Pay over time with equal monthly payments on purchases of $50 or more at Amazon.com or eligible Amazon Pay retailers. No interest, just split payments at checkout. (Note: These purchases do not earn % back rewards.)
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
  • 24/7 Customer Service.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.

Terms and Conditions

Click Apply Now to see the terms and conditions.

If you’re a regular Amazon or Whole Foods shopper but don’t have a Prime membership, the Amazon Visa Card could be a great fit. It offers 3% cashback at Amazon.com and Whole Foods Market, 2% at restaurants, gas stations, and on local transit and commuting, and 1% on all other purchases. There’s no annual fee or foreign transaction fees, and new cardholders receive a $50 Amazon gift card instantly upon approval. The card also includes helpful travel benefits, extended warranty protection, and purchase coverage for damage or theft, making it a solid choice for frequent shoppers who also value added protections while traveling.

Freedom Flex®

Apply now

On Chase's Secure Website

Freedom Flex®
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.99% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 5% cashback on travel purchased through Chase Travel, 3% on dining and drugstore purchases, and 1% on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.


Rewards

  • 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
  • 5% Cashback on Chase Travel purchases.
  • 3% Cashback on Dining, including takeout and eligible delivery services.
  • 3% Cashback on Drugstore purchases.
  • 1x Cashback on All Other Purchases.

Partner Benefits

  • DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
  • 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.

Redemption Options

  • Redeem rewards for cash, travel, gift cards, purchases at Amazon.com, and more.
  • Cashback rewards never expire while your account remains open and in good standing.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 18.99% - 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
  • Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
  • Cell Phone Protection: Get up to $800 per claim and $1,000 per year in coverage for damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $50 deductible and limited to 2 claims per year.

Additional Features

  • Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Freedom Flex® Credit Card is a great option for people who want to earn cashback on everyday spending, especially if they can take advantage of changing bonus categories. You’ll earn 5% cashback on up to $1,500 in combined purchases in rotating categories each quarter (after activation), plus 5% on travel booked through Chase, 3% on dining and drugstore purchases, and 1% on everything else. It also offers a $200 bonus after spending $500 in the first 3 months and includes a 0% intro APR for 15 months on purchases and balance transfers. With no annual fee, this card is a good fit for shoppers who don’t mind tracking categories and want to get solid rewards without extra cost.

Prime Visa

Apply now

On Chase's Secure Website

Prime Visa
4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $150 Amazon gift card instantly upon approval.

$150 Amazon Gift Card

Prime Membership Required: You must have an Amazon Prime membership to apply.

Welcome Offer

Get a $150 Amazon gift card instantly upon approval.


Rewards

  • 5% Cashback on Select Categories (with an eligible Prime membership):
    • 5% Cashback at Amazon.com and Amazon Fresh.
    • 5% Cashback at Whole Foods Market.
    • 5% Cashback at Audible.com.
    • 5% Cashback on Chase Travel purchases.
  • 2% Cashback on Select Categories:
    • 2% Cashback at Restaurants.
    • 2% Cashback at Gas Stations.
    • 2% Cashback on Local Transit and Commuting.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.
  • Points post and can be redeemed as soon as the next day.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.49% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Visa Signature® Experiences: Enjoy Luxury Hotel Collection and Concierge Services.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Prime Exclusive Offers: Earn 10% or more on a rotating selection of items and categories at Amazon with an eligible Prime membership.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

  • Get it Now, Pay over Time: Enjoy 0% intro APR for 6-12 months on eligible Amazon purchases of $50 or more or at eligible retailers with Amazon Pay. Note: you won’t earn rewards if you choose equal monthly payments at checkout.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Zero liability protection, fraud protection, automatic account alerts, 24/7 customer service, contactless checkout, compatibility with digital wallets, free credit score and identity monitoring with Credit Journey®, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Prime Visa is a great choice for Amazon Prime members who want to earn rewards on their everyday purchases. With 5% cash back on Amazon and Whole Foods, plus 2% back at gas stations, restaurants, and on transit, it’s a solid card for those who shop regularly at Amazon. There's also a nice welcome gift card offer for new cardholders. While it’s designed for frequent Amazon shoppers, the card also provides useful travel protections and has no foreign transaction fees, making it a practical option for people looking to earn cash back on both online and in-person purchases.

Sapphire Preferred®

Apply now

On Chase's Secure Website

Sapphire Preferred®
4.7

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5x points on travel booked through Chase Travel and 2x points on other travel purchases. Earn 3x points on dining, eligible online grocery purchases, and select streaming services. Earn 1x point on all other purchases.

1x - 5x Points

Welcome Offer Earn 60,000 bonus points after spending $5,000 in the first three months. That's worth $750 when redeemed for travel through Chase Travel or $600 for cash.

60,000 Points

Welcome offer

Earn 60,000 bonus points after spending $5,000 in the first three months. That’s worth $750 when redeemed for travel through Chase Travel or $600 for cash.


Rewards

  • $50 Chase Travel Hotel Credit: Receive up to $50 in statement credits each year for hotel stays booked through Chase Travel.
  • 5x Points on Chase Travel Purchases: Earn 5x points on travel booked through Chase Travel. Note: Hotel bookings that use your $50 Annual Hotel Credit don’t earn 5x points (You’ll still get the credit, just not the extra points on that part).
  • 2x Points on Other Travel Purchases.
  • 3x Points on Select Categories:
    • 3x Points on Dining.
    • 3x Points on Eligible Online Grocery Purchases (excluding Target, Walmart, and wholesale clubs).
    • 3x Points on Select Streaming Services.
  • 1x Points on All Other Purchases.
  • 10% Anniversary Bonus: Each year, you’ll earn bonus points equal to 10% of your total purchases from the previous year.

Partner Benefits

  • DashPass Membership (DoorDash & Caviar): Get complimentary DashPass membership (a $120 value for 12 months), which gives you $0 delivery fees and lower service fees on eligible orders. Activate by December 31, 2027 to enjoy at least one year of benefits.
  • $10 Off DoorDash Non-Restaurant Orders: Get up to $10 off per month on non-restaurant DoorDash orders.
  • Lyft: Earn 5x Points on Lyft rides through September 2027.
  • Peloton: Earn 5x on Peloton equipment and accessory purchases over $150 when made directly through Peloton. There is a maximum earning limit of 25,000 points. Offer valid through March 31, 2027.

Redemption Options

  • Redeem your rewards for cash, gift cards, travel, products, services, and more.
  • 25% More Value on Travel Redemption: Get 25% more value when you redeem points for travel through Chase Travel.
  • 1:1 Point Transfer: Transfer your points to top airline and hotel loyalty programs at a 1:1 value.

Fees and APR

  • Annual Fee: $95 for the primary cardholder; $0 for each authorized user.
  • Regular APR: 19.99% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Travel Benefits: Includes Auto Rental Coverage, Roadside Assistance, Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Travel Accident Insurance, Travel and Emergency Assistance Services, and Concierge Service.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

Exclusive Offers: Early-access tickets, priority seating, and exclusive access to events with Sapphire offers, Chase Dining℠, and more.


Additional Features

  • Zero liability protection, fraud protection, automatic account alerts, 24/7 customer service, contactless checkout, compatibility with digital wallets, free credit score and identity monitoring with Credit Journey®, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Sapphire Preferred® Card is a solid option for travelers who want flexible rewards and strong travel protections without a high annual fee. It’s especially well-suited for those who frequently spend on travel, dining, and even online grocery purchases. The sign-up bonus and ability to transfer points to travel partners add real value, and the lack of foreign transaction fees makes it a good fit for international use. For anyone looking to start building travel rewards with a well-rounded card, this one is worth considering.

Instacart Mastercard®

Apply now

On Chase's Secure Website

Instacart Mastercard®
4.6

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.99% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on Instacart purchases. Earn 5% cashback on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, and on select streaming services. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $50 Instacart credit automatically upon approval.

$50 Instacart Credit

Welcome offer

Earn a $50 Instacart credit automatically upon approval.


Rewards

  • 5% Cashback on Instacart Purchases (for the first $6,000 per year).
  • 5% Cashback on Travel purchased through Chase Travel℠.
  • 2% Cashback on Select Categories:
    • 2% Cashback at Restaurants.
    • 2% Cashback at Gas Stations.
    • 2% Cashback on Select Streaming Services.
  • 1% Cashback on All Other Purchases.

  • Redeem rewards: For cash, travel, or Instacart orders.
  • No annual fee.
  • No foreign transaction fees.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Assistance, Travel and Emergency Assistance Services, and Travel Accident Insurance.
  • World Elite® Concierge: 24/7 concierge service for personal assistance like reserving tables and locating hard-to-find items.
  • Authorized users: Add authorized users at no cost to maximize your earning potential.
  • Additional features: Contactless checkout and digital wallets.
  • Regular APR: 18.99% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Instacart Mastercard® offers unbeatable 5% cashback rewards on Instacart purchases, making it highly beneficial for saving on groceries and household items. It also provides 5% cashback on Chase Travel purchases, competitive travel benefits, purchase protection, and extended warranty coverage. This card is ideal for individuals who frequently use Instacart, travel often, and value added benefits and protections.

IHG One Rewards Premier

Apply now

On Chase's Secure Website

IHG One Rewards Premier
4.6

Annual fee:
$99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 26x points at IHG® Hotels and Resorts: 10x points per $1 spent with this card, up to 10x points for being an IHG One Rewards member, and up to 6x points for Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember. Earn 5x points on travel, dining, and gas. Earn 3x points on all other purchases.

3x - 10x Points

Welcome Offer Earn 5 Free Nights (each valued up to 60,000 points) after spending $5,000 in the first three months. That’s up to 300,000 total points.

5 Free Nights

Welcome offer

Earn 5 Free Nights (each valued up to 60,000 points) after spending $5,000 in the first three months. That’s up to 300,000 total points.

  • Earn up to 26x points at IHG® Hotels and Resorts: 10x points per $1 spent with this card, up to 10x points for being an IHG One Rewards member, and up to 6x points for Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember.
  • Earn 5x points on travel, dining, and gas.
  • Earn 3x points on all other purchases.
  • Discount on point purchases: Save 20% when purchasing points with your IHG One Rewards Premier credit card.
  • Annual fee: $99.
  • No foreign transaction fees.
  • Redeem your rewards: Use points for free nights at IHG® Hotels and Resorts, travel, and more. Get the fourth night free when redeeming points for a consecutive four-night stay at the same IHG® hotel. Points do not expire with IHG One Rewards program activity for 12 consecutive months.
  • Anniversary free night: Receive a free night at IHG® Hotels & Resorts (up to 40,000 points value) on each account anniversary.
  • $100 statement credit & 10,000 bonus points: Earn a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year.
  • Global Entry, TSA PreCheck® or NEXUS statement credit: Receive up to $100 statement credit every four years for Global Entry, TSA PreCheck®, or NEXUS application fee when charged to your card.
  • Up to $50 United® Airlines TravelBank Cash each year: Earn up to $50 in United® TravelBank Cash annually after registering your IHG One Rewards Premier credit card with your MileagePlus® account.
  • Elite status: Enjoy Platinum Elite Status as long as you remain an IHG One Rewards Premier cardmember.
  • Chase offers: Access deals through the Chase Mobile app and at chase.com with no coupons or registration required. Simply select an offer, add it to your card, and use it for purchases.
  • Purchase protection: Covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends eligible U.S. manufacturer warranties of three years or less by one additional year.

Partner Benefits

  • DoorDash: Enjoy a free year of DashPass. Activate by January 31, 2025. Afterward, enrollment continues at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders.

  • Add an authorized user at no cost.
  • Travel benefits: Include Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Cancellation/Trip Interruption Insurance, and Travel Accident Insurance.
  • Fraud protection: 24/7 fraud monitoring.
  • Regular APR: 19.99% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The IHG One Rewards Premier card offers a generous welcome bonus, complimentary Platinum Elite Status, and enhanced rewards on IHG® Hotels and Resorts, travel, dining, and gas, with 3x points on all other purchases. It provides competitive purchase and travel benefits, making it an excellent option for frequent IHG® travelers.

Susan G. Komen® Customized Cash Rewards Visa®

Apply now

On Bank of America's Secure Website

Susan G. Komen® Customized Cash Rewards Visa®
4.0

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.24% - 28.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 2% cashback at grocery stores and wholesale clubs. Earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Earn 1% cashback on all other purchases.

1% - 5.25% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months. Plus, earn 6% cashback in the category of your choice for the first year.

$200 + 6% Cashback In The Category of Your Choice for the First Year

Help Fight Breast Cancer: For each new Susan G. Komen Customized Cash Rewards credit card from Bank of America used to make a transaction within and remain open the first 90 days of account opening, Komen receives $3 and 0.08% of all retail purchases made with the card. Komen also receives $3 for each renewal of a card in good standing during the 12 months and does not have a zero balance at the time of renewal.

Welcome Offer

  • Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
  • First-Year Bonus Offer: Earn 6% cashback in a category of your choice for the first year, double the standard 3% rate.

  • 3% Cashback in The Category of Your Choice: Gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement/furnishings. You can change the choice category once every calendar month.
  • 2% Cashback at Grocery Stores and Wholesale Clubs.
  • Limit on 3% and 2% Cashback: Earn 3% and 2% on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
  • 1% Cashback on All Other Purchases.
  • Annual Fee: None.
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
  • 0% Intro APR on Purchases: For 15 months from account opening.
  • 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
  • Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 18.24% - 28.24% applies to purchases and balance transfers.
  • Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
  • Preferred Rewards Program: Earn 25% - 75% more cashback on every purchase after you become a Preferred Rewards member. That means you could earn 3.75% to 5.25% cashback on the choice category, 2.50% to 3.50% on grocery and wholesale clubs, and 1.25% to 1.75% on all other purchases.
  • Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless pay, overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
  • Click ‘Apply Now’ to see the full terms and conditions.
Susan G. Komen® Customized Cash Rewards credit card is for everyone interested in supporting breast cancer research. It allows you to choose the cash rewards bonus category while helping a more significant cause. Great additions are a welcome bonus, and 0% APR intro offers on purchases and balance transfers.

Customized Cash Rewards

Apply now

On Bank of America's Secure Website

Customized Cash Rewards
4.0

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.24% - 28.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 2% cashback at grocery stores and wholesale clubs. You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Earn 1% cashback on all other purchases.

1% - 5.25% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months. Plus, earn 6% cashback in the category of your choice for the first year.

$200 + 6% Cashback In The Category of Your Choice for the First Year

Welcome Offer

  • Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
  • First-Year Bonus Offer: Earn 6% cashback in a category of your choice for the first year, double the standard 3% rate.

  • 3% Cashback in The Category of Your Choice: Gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement/furnishings. You can change the choice category once every calendar month.
  • 2% Cashback at Grocery Stores and Wholesale Clubs.
  • Limit on 3% and 2% Cashback: You will earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
  • 1% Cashback on all other purchases.
  • Annual Fee: None.
  • 0% Intro APR on Purchases: For 15 months from account opening.
  • 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
  • Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 18.24% - 28.24% applies to purchases and balance transfers.
  • Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
  • Preferred Rewards Program: Earn 25% - 75% more cashback on every purchase if you are a member of the Preferred Rewards® program. That means you could earn 3.75% to 5.25% cashback on the choice category, 2.50% to 3.50% cashback on grocery and wholesale clubs, and 1.25% to 1.75% cashback on all other purchases.
  • Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless pay, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
  • Click ‘Apply Now’ to see the full terms and conditions.
Bank of America® Customized Cash Rewards is a great credit card for flexible cashback. Great additions are a welcome bonus, and 0% APR intro offers on purchases and balance transfers.

IHG One Rewards Premier Business

Apply now

On Chase's Secure Website

IHG One Rewards Premier Business
4.4

Annual fee:
$99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 26x total points at IHG® Hotels and Resorts: 10X with this card, plus up to 10x for being an IHG One Rewards member, and up to 6x for Platinum Elite Status, a benefit of this card. Earn 5x points on travel, dining, select business purchases, and gas. Earn 3x points on all other purchases.

3x - 10x Points

Welcome Offer Earn 140,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's up to 4 nights at over 5,100 IHG Hotels & Resorts properties worldwide.

140,000 Points

  • Welcome Offer: Earn 140,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s up to 4 nights at IHG Hotels & Resorts.
  • Earn up to 26x total points at IHG® Hotels and Resorts: 10X with this card, plus up to 10x for being an IHG One Rewards member, and up to 6x for Platinum Elite Status, a benefit of this card.
  • Earn 5x points on travel, dining, select business purchases, and gas.
  • Earn 3x points on all other purchases.
  • Complimentary Free Night Award (valued up to 40,000 points) every year on your account anniversary.
  • Redeem 3 nights, get 4th night free: Enjoy a reward night when you redeem points for a consecutive four-night stay at an IHG® hotel. You will receive the fourth night free, redeemable at the same hotel during that stay.
  • Earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year.
  • Automatic Platinum Elite Status for as long as you have the IHG One Rewards Premier Business Credit Card.
  • Save 20% when you purchase points with your IHG One Rewards Premier Business card.
  • No foreign transaction fee.
  • Redeem your rewards for free nights at IHG® Hotels and Resorts, travel, and more.
  • Receive a credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS when charged to your card.
  • Earn an additional free night (up to 40,000 points) after spending $60,000 on your IHG One Rewards Credit Card each calendar year.
  • Get up to $50 in United® TravelBank Cash each calendar year after registering your IHG One Rewards Premier Credit Card with your MileagePlus® account.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Travel benefits include Trip Cancellation and Trip Interruption Insurance.
  • Regular APR: 19.9% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the terms and conditions.
The IHG One Rewards Premier Business card offers a generous welcome bonus, complimentary Platinum Elite Status, and enhanced rewards on IHG® Hotels and Resorts, travel, dining, select business purchase, and gas, with 3x points on all other purchases. It provides competitive purchase and travel benefits, making it an excellent option for frequent IHG® travelers.