American Express provides a variety of credit cards that make online shopping easier and more rewarding. Whether you’re shopping at your favorite businesses, ordering meals, or paying for streaming services, the appropriate American Express card may help you earn substantial benefits. Amex offers a variety of alternatives to suit different spending patterns, including cashback on daily purchases and points for travel and dining.
Top 5 American Express Credit Cards for Online Shopping
| S. N. | Name of American Express Credit Cards for Online Shopping | Best Known & Value for |
|---|---|---|
| 1. | American Express Blue Cash Preferred Card | 6% cash back* at U.S. supermarkets up to $6,000 per year in purchases |
| 2. | American Express Gold Card | Comes with benefits including a $120 Dining Credit, $120 Uber Cash, etc |
| 3. | American Express Platinum Card | Members can enjoy unlimited, complimentary access to Plaza Premium lounges around the world |
| 4. | American Express Blue Cash Everyday Card | 3% cash back on U.S. Online Retail Purchases of up to $6,000 per year in purchases |
| 5. | American Express Green Card | Best cards for travel purchases and dining expenses |
Best American Express Credit Cards for Online Shopping [March 2025]
1. American Express Blue Cash Preferred Card
The Blue Cash Preferred Card issued by American Express remains one of the best grocery cards. However, its generous features and limitless cash back in crucial areas, including U.S. gas station purchases, transportation, and some U.S. streaming subscriptions, propel the Blue Cash Preferred to the top tier of cards for maximum cash back on everyday spending.
Online Shopping and Cashback
| Issuer | American Express |
| Payment Gateway | AMEX |
| Credit Score | Good/Excellent |
| Intro APR | 0% for 12 months |
| Regular APR | 19.24%–29.99% |
| Sign In Bonus | $250 statement credit after $3,000 spent in 6 months |
| Best For | Families Everyday Spenders |
The Blue Cash Preferred® Card, issued by American Express, offers high cash back on groceries, select streaming subscriptions, and transit. Its best feature is the 6% cash back on U.S. supermarkets, providing significant savings on groceries.
The card has an annual fee of $95. Unique features include 6% cash back on select streaming subscriptions and a $250 statement credit after spending $3,000 in the first 6 months. The required credit score is 690+. The referral program offers bonus Membership Rewards points.
Key Features:
- There’s a $0 intro annual fee for the first year, then $95.
- Sign-up bonus of $250 statement credit after spending $3,000 in eligible purchases on account opening within the first six months.
- Cash back comes in the form of Blue Cash Reward Dollars.
Reward Rate:
- 6% cash back on groceries (up to $6,000/year)
- 6% cash back on select streaming subscriptions
Other Information:
- Cash advance fee of 5% or $10
Pros & Cons of American Express Blue Cash Preferred Card
| Pros | Cons |
|---|---|
| High rewards rate | Has annual fee |
| Intro APR period | Requires good/excellent credit |
| Bonus categories | Spending caps on bonus rewards |
| Cash reward | – |
Expert Advice:
The Blue Cash Preferred Card from American Express is one of the top cashback credit cards because it offers frequent high-earning cashback rates on everyday needs such as groceries, gas, travel, and streaming subscriptions. Families, homemakers, daily commuters, and corporates or business people find this single reward card to be more convenient with its rates for most of their everyday spending.
2. American Express Gold Card
The American Express® Gold Card is known as one of the greatest travel rewards cards due to its extensive dining and travel benefits, which appeal to high-spenders who can afford the $325 annual fee. It provides large recurring benefits for flight, restaurant, and US supermarket purchases, as well as enough credits to cover its somewhat hefty annual fee.
Reward Rates in dining, shopping and Uber
| Issuer | American Express |
| Payment Gateway | AMEX |
| Credit Score | Good/Excellent |
| Intro APR | N/A |
| Regular APR | 21.24%–29.24% |
| Sign In Bonus | 60,000 Membership Rewards points after $4,000 spent in 6 months |
| Best For | *Frequent Travelers *Food Enthusiasts |
The American Express® Gold Card, issued by American Express, provides generous rewards on everyday purchases, including dining and travel. Its best feature is the Membership Rewards program, offering valuable points for various expenses.
The card has an annual fee of $325 plus applicable taxes. Unique features include no pre-set spending limit and access to the Gold Collection rewards. The required credit score is 700+. The referral program offers bonus Membership Rewards points.
Key Features:
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Provides Travel and Insurance benefits
- The card provides elevated rewards for dining in, dining out, and grocery shopping.
Reward Rate:
- 4x points on dining at restaurants
- 3x points on flights booked directly with airlines
Other Information:
- Cash Advance Fee of 5% or $10
- No Preset Spending Limit
Pros & Cons of American Express Gold Card
| Pros | Cons |
|---|---|
| Excellent for eating and travel, with additional credits to offset the yearly price. | The $325 annual fee is hard to offset without using credits and transfer partners. |
| Generous welcome package, with six months to complete spending criteria. | Lounge access and travel credits are lacking in some premium cards. |
| There is no fixed credit limit. | Best for travel redemptions, making it less ideal for occasional travelers. |
Expert Advice:
The American Express® Gold Card was created especially for people who truly appreciate the benefits of their membership rewards. With this card, you may earn 4X Membership Rewards® points at restaurants (up to $50,000 in expenditures per year, then 1X) and supermarkets in the United States (up to $25,000 in purchases per year, then 1X).
Get 3X Membership Rewards® points when you purchase tickets on AmexTravel.com or directly with airlines. When you book prepaid hotels and other qualified transactions on AmexTravel.com, you may earn twice as many Membership Rewards® points. Get 1X Membership Rewards® points for every additional purchase that qualifies.
3. American Express Platinum Card
The American Express Platinum Card® is a premium card with several features and a generous welcome bonus. Cardholders can receive many yearly statement credits, entertainment incentives, broad airport lounge access, elite status bonuses, and much more. However, these advantages do not come cheaply—the card’s annual charge is $695.
Travel Rewards, Luxury benefits
| Issuer | American Express |
| Payment Gateway | AMEX |
| Credit Score | Good/Excellent |
| Intro APR | N/A |
| Regular APR | 21.24%–29.24% |
| Sign In Bonus | 80,000 Membership Rewards points after $8,000 spent in 6 months |
| Best For | *Professionals *Frequent Travelers |
The Platinum Card® from Amex, issued by American Express, offers unparalleled travel benefits, including airport lounge access and hotel upgrades. Its best feature is the no pre-set spending limit, providing flexibility and exclusive experiences.
The card has an annual fee of $695 plus applicable taxes. Unique features include access to the American Express Global Lounge Collection and a renewal benefit. The required credit score is 750+. The referral program offers additional Membership Rewards points.
Key Features:
- Travel Credits: $200 Airline Fee, $200 Hotel, $189 CLEAR®, $100 Global Entry/TSA PreCheck.
- Lifestyle & Shopping Credits: $240 Digital Entertainment, $300 Equinox, $155 Walmart+, $200 Uber, $100 Saks Fifth Avenue.
- Airport Lounge Access (Centurion, Priority Pass, Delta Sky Clubs).
- Hilton Honors Gold & Marriott Bonvoy Gold Elite Status.
- Premium Car Rental Status with Hertz, Avis, and National.
- Exclusive Events & Fine Hotels + Resorts Perks.
- Annual Fee: $695.
Reward Rate:
- 5x points on flights booked via Amex Travel
- 5x points on prepaid hotels booked via Amex Travel
Other Information:
- The cash advance fee is 5% or $10
Pros & Cons of American Express Platinum Card
| Pros | Cons |
|---|---|
| Bonus categories | Has annual fee |
| Transfer partners | Complicated rewards |
| Luxury perks | Requires good/excellent credit |
| Lounge membership | – |
| Automatic elite status | – |
Expert Advice:
The American Express Platinum Card® is the ticket to a more glamorous existence for people who already spend a lot of money on travel. Of course, its high-end features are only useful when you really travel. For many, the card’s numerous yearly credits may make or break it. If you can utilize the credits, they will more than makeup for the card’s high annual charge. However, if you are unable to utilize many of the card’s yearly credits, it may not be worth it for you.
4. American Express Blue Cash Everyday Card
American Express Blue Cash daily® Card earns cash back on daily purchases and has no annual fee. Cardholders get 3% cash back at US supermarkets on purchases up to $6,000 per year, followed by 1%. 3% cash back on U.S. online retail transactions up to $6,000 per year, followed by 1%. 3% cash back at petrol stations in the United States on purchases of up to $6,000 a year, followed by 1%. 1% cash back on other purchases. You can receive a $200 statement credit if you spend $2,000 on your new Card during the first 6 months.
Everyday Spending, Cashback
| Issuer | American Express |
| Payment Gateway | AMEX |
| Credit Score | Good/Excellent |
| Intro APR | 0% for 15 months |
| Regular APR | 19.24%–29.99 |
| Sign In Bonus | $200 statement credit after $2,000 spent in 6 months |
| Best For | *Budget-Conscious *Families |
The American Express® Blue Cash Everyday Card, issued by American Express, offers cash back on everyday purchases, including groceries and gas. Its best feature is the 3% cash back on U.S. gas stations, helping save on fuel expenses.
The card has no annual fee for the first year, which is $95. Unique features include 3% cash back on U.S. gas stations and a $250 statement credit after spending $3,000 in the first 6 months. The required credit score is 670+. The referral program offers bonus Membership Rewards points.
Key Features:
- No Annual Fee
- Up to $180 in Home Chef annual credits per year
- Up to $84 in annual credits toward Disney Bundle subscriptions per year
- Cardholders get exclusive presale tickets and access to special events like shows, concerts, and sports through American Express Experiences.
Reward Rate:
- 3% cash back on groceries
- 3% cash back on gas stations & online retail purchases
Other Information:
- The cash advance fee is 5% or $10
Pros & Cons of American Express Blue Cash Everyday Card
| Pros | Cons |
|---|---|
| Generous rewards categories with no annual fee | Wholesale clubs and superstores don’t qualify for supermarket bonuses |
| Unique U.S. online retail shopping bonus | Higher cash back potential with Blue Cash Preferred® card for supermarket spending |
| Competitive intro APR on purchases and balance transfers | Foreign transaction fees make it less ideal for international use |
Expert Advice:
The American Express Blue Cash Everyday Card is an excellent credit card for anyone with a credit score of 700 or above. If you want a $0 annual fee and high cash-back benefits on U.S. grocery, petrol station, and online retail transactions, Amex Blue Cash Everyday is the card to obtain. The Blue Cash Everyday Card also has 0% introductory APRs and a $200 statement credit for spending $2,000 within the first six months.
5. American Express Green Card
The American Express® Green Card offers generous and flexible rewards on dining and travel at a lower cost than other American Express cards. The yearly charge is $150. It also provides some unique travel credits, as well as additional benefits and safeguards for both shopping and individuals on the road.
Travel Rewards, Eco-friendly
| Issuer | American Express |
| Payment Gateway | AMEX |
| Credit Score | Good/Excellent |
| Intro APR | N/A |
| Regular APR | 21.24%–29.24% |
| Sign In Bonus | 40,000 Membership Rewards points after $3,000 spent in 6 months |
| Best For | *Travelers *Environmentally Conscious |
The American Express® Green Card, issued by American Express, offers rewards on everyday purchases and travel. Its best feature is the Membership Rewards program, providing valuable points for various expenses.
The card has an annual fee of $150. Unique features include access to the Green Collection rewards and a required credit score of 700+. The referral program offers bonus Membership Rewards points.
Key Features:
- No foreign transaction fee
- Get free access to airport lounges
- Has a 24/7 customer support system
- Get up to $199 per year in statement credit to cover the cost of a Clear membership
- Offers travel insurance for baggage, trip delay, rental car, etc.
- Allows you to choose between paying in full or carrying a balance with interest.
Reward Rate:
- 3x points on travel & transit
- 3x points on dining worldwide
Other Information:
- The cash advance fee is 5% or $10
Pros & Cons of American Express Green Card
| Pros | Cons |
|---|---|
| Offers a great rewards rate for travel like flights and hotels, such as campgrounds and vacation rentals. | The annual fee isn’t waived in the first year |
| Credits for CLEAR Plus membership and LoungeBuddy | Requires you to pay off your balance in full each month (if not opted for Pay Over Time or Pay It Plan feature) |
| The card has no foreign transaction fee | The Pay Over Time ongoing APR is high |
Expert Advice:
Although the Amex Green Card has an annual charge of $150, the welcome offer more than compensates for it in the first year, and the annual statement credits can help cover it in the long run. When combined with the flexibility to transfer earned points to travel partners, you have a strong mid-level travel rewards card that can reward your everyday travel. However, make sure to take advantage of the cardholder perks that are accessible to you.
Table of Comparison
| No. | Name of the Card | Payment Gateway | Best For | Credit Score | Annual Fee | Annual Percentage Rate | Balance Transfer | Sign in Bonus | Decision Criteria |
| 1. | American Express Blue Cash Preferred Card | AMEX | Families,Everyday Spenders | Good/Excellent | $0 | 0% for 12 months | 19.24%–29.99% | $200 statement credit after $2,000 spent in 6 months | Best for online consumers who buy groceries and streaming services, with significant cashback incentives. |
| 2. | American Express Gold Card | AMEX | Frequent Travelers, Food Enthusiasts | Good/Excellent | $325 | N/A | N/A | 60,000 Membership Rewards points after $4,000 spent in 6 months | Ideal for regular online food delivery and eating, with large incentives at restaurants and grocers. |
| 3. | American Express Platinum Card | AMEX | Professionals, Frequent Travelers | Excellent | $695 | N/A | N/A | 80,000 Membership Rewards points after $8,000 spent in 6 months | Perfect for high-end consumers who seek premium privileges, travel benefits, and unique shopping protections. |
| 4. | American Express Blue Cash Everyday Card | AMEX | Budget-Conscious, Families | Good/Excellent | $0 | 0% for 15 months | 19.24%–29.99% | $200 statement credit after $2,000 spent in 6 months | Excellent for budget-conscious customers searching for no yearly fee and consistent rewards on everyday internet purchases. |
| 5. | American Express Green Card | AMEX | Travelers,Environmentally Conscious | Good/Excellent | $150 | N/A | N/A | 40,000 Membership Rewards points after $3,000 spent in 6 months | Ideal for environmentally aware and travel-savvy customers looking for incentives on travel, transportation, and internet purchases. |
Methodology
Selecting the best American Express Credit Card for online shopping is done by considering some key factors, like healthy spending habits, cashback rewards, purchase protection and insurance, and security features. Popular options include the American Express Blue Cash Preferred Card, which gives high cashback rates on groceries and streaming services, as well as the American Express Gold Card, which offers generous rewards for foodies who order takeout more so often.
Other cards include the American Express Platinum Card, American Express Blue Cash Everyday Card, and American Express Green Card, which cater to a variety of online buying demands, ranging from luxury purchases and everyday cashback to eco-conscious spending and vacation benefits.
These cards frequently have features that improve the online shopping experience, such as extended warranties, purchase protection, fraud protection, and Amex Offers that give you discounts at certain stores. Certain cards, such as the American Express Blue Cash Everyday Card, are perfect for consumers on a tight budget because they don’t have annual fees.
Meanwhile, the American Express Platinum Card provides premium features, including premium travel privileges and special shopping protections. American Express offers online buyers a variety of choices to optimize their purchasing power while guaranteeing a secure and easy shopping experience through a variety of rewards and security features.
Choosing the American Express Credit Cards for Online Shopping
When you’re considering choosing the American Express Credit Card for online shopping, you have to keep these factors in mind that can maximize your benefits:
- Cashback and Reward Rates: Amex credit cards offer very high cashback rates when it comes to online shopping. For example, the Blue Cash Everyday Card offers 3% cash back on U.S. Online retail shopping, upto $6000 yearly.
- Rewards Redemption Flexibility: Amex allows cardholders to redeem Amex Membership Rewards Points in many different ways, such as statement credits, shopping vouchers, or direct purchases through Amex-partnered online brands.
- Annual fees and interest rates: Consider the annual fees connected with each card. For instance, the Blue Cash Preferred card has no annual fee, which makes it a cost-effective option for online shoppers. It’s best to see the interest rates beforehand so you can avoid unnecessary costs in the future.
- Sign-up bonuses: Most Amex cards offer great sign-up bonuses that allow new cardholders to earn high rewards after spending the amount required within the first few months. The value of the card can be greatly increased by these perks, which can take the form of cashback, Membership Rewards® Points, or bill credits.
Why Do you Need American Express Credit Cards for Online Shopping?
When it comes to offerings and services for cardholders, American Express keeps pushing beyond its limits. Here are some reasons you need to start taking advantage of right now if you have an American Express card in your wallet.
- Amex Travel Protection: Almost every Amex credit card has travel benefits included. These perks can come in handy when you need travel insurance for your upcoming trip. You don’t have to pay for the travel protection separately; it is included in the annual fees of the card. Some of the perks such as trip cancellation or trip interruption insurance, trip delay insurance, baggage insurance, and car rental protections.
- Retail Protections: Amex retail protection also depends on the card you have. These types of cards include perks like purchase protection, return protection, and extended warranty. The premium cards offered by American Express go above and beyond these protections. With a $250 annual fee, the American Express® Gold Card is among the finest options with extensive coverage. Purchase protection for cardholders is up to $10,000 per occurrence, with a $50,000 annual maximum.
- Access to pre-sale tickets: Use American Express pre-sale ticket access to purchase tickets before the general public does. Pre-sale tickets for hundreds of events, including sporting events like Wimbledon, concerts, and music festivals like Coachella, are only available to American Express cardholders.
- Complimentary hotel stays and property credits: Cardholders of the Amex Platinum, American Express® Business Gold Card, and Centurion Card may take advantage of The Hotel Collection perks when booking two or more consecutive nights through American Express Travel. In addition, eligible cardholders can receive complimentary nights or hotel credits of $100 or more when booking Fine Hotels + Resorts or The Hotel Collection hotels through the issuer’s portal.
- Free ShopRunner membership: American Express and ShopRunner offer eligible cardholders a complimentary, two-day free shipping membership benefit on eligible purchases — a value of $79 a year (enrollment required).
Does American Express offer Credit Cards for Online Shopping in Particular?
American Express does not have a card specifically for online shopping, although numerous AMEX cards are ideal for it. The Blue Cash Preferred® (6% cashback on US supermarkets and streaming) and Amex Gold (4X points on dining and grocery) are excellent options. The Platinum Card® provides premium shopping benefits, whilst the Amazon Business Prime AMEX is suited for Amazon customers. AMEX cards provide fraud protection, and Amex offers extended warranties and return protection, making them ideal for making safe and rewarding online purchases.
How Do American Express Credit Cards Help in Online Shopping?
American Express credit cards improve online purchasing by providing rewards, rebates, and special benefits for digital transactions. Many AMEX cards provide bonus categories to reward certain spending behaviors. For example, the Blue Cash Preferred® Card offers cashback on groceries and streaming services, making it an excellent choice for frequent online shoppers. Similarly, the American Express Gold Card gets significant dining points, which is beneficial for individuals who purchase meals online.
Additionally, AMEX cards include purchase protection, which protects qualified purchases from damage or theft. Cardholders are protected from fraudulent transactions according to the zero fraud liability policy. AMEX also offers unique shopping promotions, extended warranties, and return protection to ensure a safe and enjoyable online shopping experience.
Advantages of American Express Credit Cards for Online Shopping
American Express credit cards make the online shopping experience fantastic by providing tons of rewards, cashback, and exclusive perks.
| Advantages | Description |
| Rewards and Cashbacks | Earn Membership Rewards points or cashback on online purchases. |
| Fraud Protection | Zero liability for unauthorized transactions. |
| Purchase Protection | Covers eligible purchases against damage or theft. |
| Extended Warranty | Adds extra warranty coverage beyond the manufacturer’s. |
| Amex Offers | Exclusive discounts and cashback deals at major online retailers. |
| Return Protection | Helps get refunds if a store refuses a return. |
Frequently Asked Questions
Can I shop online with my AMEX credit card?
Yes, anywhere AMEX is recognized, American Express credit cards may be used to make transactions online.
If my AMEX card is rejected online, what should I do?
Verify that you have enough credit available, make sure your card is active, and make sure you entered your card information correctly. Get in touch with AMEX customer support if the problem continues.
Which American Express credit cards work best for online purchases?
With incentives and return on purchases, American Express’s Platinum Card®, Blue Cash Preferred® Card, and American Express® Gold Card are some of the most popular AMEX cards for online shopping.
Is it safe to purchase online with my American Express card?
Indeed, AMEX provides SafeKey technology, encrypted transactions, and fraud protection to guarantee safe online transactions.
AMEX SafeKey: What is it, and how does it operate?
A security feature called SafeKey requires authentication (passcode or OTP) during online transactions, adding a degree of safety.
If I think my AMEX card may be fake, what should I do?
Notify customer service or the AMEX app of any illegal transactions right away. Because AMEX provides zero-liability protection, you won’t be held accountable for unauthorized charges.
Is it possible to purchase online using AMEX points?
Yes, you may utilize your Membership Rewards points for statement credits or redeem them at a few merchants, such as Amazon, Walmart, and Best Buy.