Best Credit Cards for Online Shopping
E-commerce platforms, online stores, and digital marketplaces
9
4 MPD
5000
Quick Answer
The best credit card for online shopping is HSBC Revolution
Why: 4 MPD with cap at $1,500 a month. Included in whitelist
Top Cards for Online Shopping
HSBC Revolution
Included in whitelist
Rank
UOB Preferred Platinum Visa
Included in whitelist and not excluded
Rank
Citibank Rewards MasterCard
Not excluded
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Rank
Woman's World MasterCard
Not excluded
Note: Online spend only
Rank
UOB Visa Signature
Not excluded
Note: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
Rank
Choose Based on Your Spending
Light Spender
Under $500/month
Best:
HSBC Revolution
No need to worry about caps with light spending
Moderate Spender
$500-2,000/month
Best:
UOB Preferred Platinum Visa
Balance between rate and cap utilization
Heavy Spender
Over $2,000/month
Best:
Citibank Rewards MasterCard
Maximize rewards with card pairing strategy
Understanding Online Shopping MCC Codes
Online Shopping includes the following Merchant Category Codes (MCC):
Expert Tips for Online Shopping
Maximize Monthly Caps
Most cards have monthly caps. Plan your spending to hit the cap without going over.
Consider Card Pairing
Use 2-3 cards to cover different categories and maximize overall rewards.
Check Online vs Offline
Some cards only work for online or offline transactions. Verify before spending.