Purchase optimizer
Find the best card for a purchase
Browse catalog rules for a category. Program currencies and eligibility differ, so these are not ranked by dollar value. Matching wallet cards are highlighted in your browser.
Cards with listed category rules
Why these cards appear
21 published cards match Online Shopping, the personal and business card filter, and the selected annual-fee limit.
- Results are alphabetical—not a dollar-value ranking.
- The $500 monthly-spend estimate is context only because different reward currencies cannot be compared safely without a value assumption.
- Cards without a reviewed matching rule are omitted, not treated as earning zero.
Listed rates may require a particular hotel brand, booking portal, merchant or enrollment. A larger number is not necessarily a better return. Legacy reward currencies still need review; no automatic dollar ranking is shown.
Calculate value using your reward currency and assumptions →
Chase
Amazon Visa
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Capital One
Bass Pro Shops CLUB Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
Bloomingdale's Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Base store-card tier modeled; higher status tiers can earn more. Merchant coding, account eligibility and issuer terms apply.
American Express
Blue Cash Everyday Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $6,000 per annual.
Rates and eligibility are subject to issuer terms and merchant coding.
Capital One
Cabela's CLUB Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
Dillard's Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Dillard’s purchases only; redemption and eligibility terms apply. Merchant coding, account eligibility and issuer terms apply.
Chase
DoorDash Rewards Mastercard
4.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Capital One
Key Rewards Visa
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Capital One
Kohl's Rewards Visa
7.50 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
L.L.Bean Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
L.L.Bean rate applies to eligible direct purchases. Merchant coding, account eligibility and issuer terms apply.
Citi
Macy's Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Base Silver store-card tier modeled; Gold and Platinum tiers can earn more. Merchant coding, account eligibility and issuer terms apply.
Capital One
Pottery Barn Key Rewards Visa
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Imprint / First Electronic Bank
Rakuten American Express Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer terms apply.
Capital One
REI Co-op Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Stanford Federal Credit Union
Stanford Alumni Rewards Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Combined annual caps and merchant eligibility apply to bonus categories. Merchant coding, account eligibility and issuer terms apply.
Stanford Federal Credit Union
Stanford Athletics Fan Rewards Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Combined annual caps and eligible Stanford merchants apply. Merchant coding, account eligibility and issuer terms apply.
Stanford Federal Credit Union
Stanford FCU Tech Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Amazon, Google and Apple purchases earn the higher rate; combined annual caps apply. Merchant coding, account eligibility and issuer terms apply.
Citi
Tractor Supply Company Credit Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible Tractor Supply purchases only. Merchant coding, account eligibility and issuer terms apply.
Citi
Wayfair Credit Card
7.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible Wayfair family purchases when rewards are chosen instead of promotional financing. Merchant coding, account eligibility and issuer terms apply.
Capital One
West Elm Key Rewards Visa
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Capital One
Williams Sonoma Key Rewards Visa
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Estimates are subject to issuer terms, spending caps, enrollment requirements and merchant coding.