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 for 2025
| S. Number | Name of American Express Credit Cards for Online Shopping | Best Known & Value for |
|---|---|---|
| 1. | American Express Blue Cash Preferred Card | Best known for Daily Shopping and Digital Payments |
| 2. | American Express Gold Card | Best known for Dining and Grocery Shopping, including Online Purchases |
| 3. | American Express Platinum Card | Besk known for High-End Shopping and Premium Travel Reservations |
| 4. | American Express Blue Cash Everyday Card | Best known for Onle Retail Shopping |
| 5. | American Express Green Card | Best known for Travel Rewards and Low Annual Fees |
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%
- Annual Fee – $95
- International Transaction fee – 2.7%
- Cash Advance Fee – $10 or 5%
- Balance Transfer APR – 18.24%–29.99%
- Sign In Bonus – $250 statement credit after $3,000 spent in 6 months
- Best For – Families, Everyday Spenders, Military Personnel
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 | Reward Rate | Other Information |
|---|---|---|
| There’s a $0 intro annual fee for the first year, then $95 | 6% cash back on groceries (up to $6,000/year) | $84 Disney Bundle Credit |
| Sign-up bonus of $250 statement credit | 6% cash back on select streaming subscriptions | Cash Back at Amazon.com checkout |
| Cash back comes in the form of Blue Cash Reward Dollars | 3% cashback on Gas stations | Send & Split® option |
| Purchase and return protection | 1% cashback on other purchases | Car Rental Loss and Damage Insurance |
| Online Account Management | – | Global Assist® Hotline |
Pros & Cons:
Pros
- If you use services like Netflix, Hulu, or Disney+, you also earn 6% cashback on select streaming subscriptions, adding extra value.
- In addition to groceries, the card offers 3% cashback on U.S. gas stations and transit, making it useful for everyday commuting and road trips.
- One of the highest cashback rates available, offering 6% back on grocery purchases.
Cons
- If you don’t pay off your balance in full each month, the interest rates can be high, potentially negating any cashback savings.
- Walmart, Target, Costco, and Sam’s Club do not qualify for the 6% grocery cashback, restricting options for shoppers who buy groceries there.
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 corporate 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.
Dining and Travel Rewards
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Good-Excellent
- Intro APR – N/A
- Regular APR – 21.24%–29.24%
- Annual Fee – $250
- International Transaction Fee – No Foreign Transaction Fee
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – N/A
- Sign-up Bonus – 60,000 Membership Rewards points after $4,000 spent in 6 months
- Best For – Food Enthusiasts, Frequent Travelers
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’s annual fee is $325 plus applicable taxes. Its 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 | Reward Rate | Other Information |
|---|---|---|
| Dining Rewards | 4x points on dining at restaurants | $120 dining credit annually |
| Travel Rewards | 3x points on flights booked directly with airlines | High point redemption value |
| No foreign transaction fees | – | – |
| Cash Advance Fee of 5% or $10 | – | – |
| No Preset Spending Limit | – | – |
Pros & Cons:
Pros
- One of the best cards for dining & groceries
- Strong travel redemption value
- No preset spending limit.
Cons
- Travel perks are not as strong as Platinum
- Limited statement credits
- No lounge access.
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.
Luxury Travel
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 21.24%–29.24%
- Annual Fee – $695
- International Transaction Fee – No Foreign Transaction Fee
- Cash Advance Fee – Cash advance of 5% or $10
- Balance Transfer APR – N/A
- Sign-up 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 that there is no pre-set spending limit, providing flexibility and exclusive experiences.
The card’s annual fee is $695 plus applicable taxes. Unique features include access to the American Express Global Lounge Collection and a renewal benefit worth up to ₹35,000. The required credit score is 750+. The referral program offers additional Membership Rewards points.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Travel Credits: $200 Airline Fee, $200 Hotel, $189 CLEAR®, $100 Global Entry/TSA PreCheck. | 5x points on flights booked via Amex Travel | Annual statement credits (Uber, Saks, etc.) |
| Lifestyle & Shopping Credits: $240 Digital Entertainment, $300 Equinox, $155 Walmart+, $200 Uber, $100 Saks Fifth Avenue. | 5x points on prepaid hotels booked via Amex Travel | Fine Hotels & Resorts benefits |
| Airport Lounge Access (Centurion, Priority Pass, Delta Sky Clubs). | – | No preset spending limit |
| Hilton Honors Gold & Marriott Bonvoy Gold Elite Status. | – | – |
| Premium Car Rental Status with Hertz, Avis, and National. | – | – |
| Exclusive Events & Fine Hotels + Resorts Perks. | – | – |
Pros & Cons:
Pros
- Extensive travel perks & lounge access
- Premium customer service & concierge
- High-value statement credits.
Cons
- High spending requirement for the welcome bonus
- Not widely accepted outside the U.S.
- Limited non-travel benefits.
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 and online shopping. 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 make up 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.
Cashback on Everyday Spending Categories
- Issuer – American Express
- Payment Gateway – Amex
- Credit Score – Good to Excellent
- Intro APR – 0% intro APR for 15 months on purchases and balance transfers.
- Regular APR – 18.24% – 29.24% Variable
- Annual Fee – $0
- International Transaction Fee – 2.7% of each transaction after conversion to US dollars
- Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
- Balance Transfer APR – 0% intro APR for 15 months; then 18.24% – 29.24% Variable
- Sign-up Bonus – Earn a $250 statement credit after spending $2,000 in purchases within the first 6 months.
- Best For – Student, Families, Online Shoppers
The American Express Blue Cash Everyday® Card is a great cashback card for families, offering 3% back at U.S. supermarkets (up to $6,000 per year), 2% on gas and department stores, and 1% on everything else. Issued by American Express, it’s perfect for everyday spending and maximizing household purchases.
This card has no annual fee and requires a good credit score (700+). Credit limits are determined by financial history. The card offers a 0% intro APR for 15 months on purchases and balance transfers. While there is no referral program, it includes perks such as purchase protection, fraud liability coverage, and access to Amex Offers for extra savings.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Cash Back | 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%) | Get a $7 monthly statement credit. Get a $7 monthly statement credit. |
| No Annual Fee | 3% cash back on U.S. online retail purchases (up to $6,000 per year, then 1%) | Enjoy special ticket access and presales. |
| No redemption minimum | 3% cash back at U.S. gas stations (up to $6,000 per year, then 1%) | – |
| – | 1% Cash Back on other eligible purchases | – |
Pros & Cons:
Pros
- Generous rewards categories with no annual fee and cash back on groceries, gas, and online shopping
- Competitive intro APR on purchases and balance transfers.
- Unique U.S. online retail shopping bonus.
Cons
- Wholesale clubs and superstores don’t qualify for supermarket bonuses.
- Higher cash back potential with Blue Cash Preferred® card for supermarket spending.
- 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 and a lover of online shopping. 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 a 0% introductory APR 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%
- Annual Fee – $150
- International Transaction Fee – 0%
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – 20.24% to 28.24% variable
- 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 | Reward Rate | Other Information |
|---|---|---|
| No foreign transaction fee | 3x points on travel & transit | Pay Over Time lets you carry a balance with interest up to your Pay Over Time Limit¤ |
| Get free access to airport lounges | 3x points on dining worldwide | Plan It® lets you select large purchases to split into equal monthly installments with a fixed fee |
| Has a 24/7 customer support system | – | Trip Delay Insurance |
| Get up to $199 per year in statement credit to cover the cost of a Clear membership | – | Car Rental Loss and Damage Insurance |
| Offers travel insurance for baggage, trip delay, rental car, etc. | – | Baggage Insurance Plan |
| Allows you to choose between paying in full or carrying a balance with interest. | – | Global Assist® Hotline |
| Membership Rewards® Program – Pay with Points | – | Send & Split® |
| Events with Amex™ | – | Dispute Resolution |
| Gather, track, and organize online orders and receipts from hundreds of stores, all in one place. | – | Contactless Cards |
| Amex Offers | – | – |
| Purchase Protection | – | – |
| Extended Warranty | – | – |
Pros & Cons:
Pros
- It offers a great reward rate for travel, such as flights and hotels, as well as campgrounds and vacation rentals.
- Credits for CLEAR Plus membership and LoungeBuddy
- The card has no foreign transaction fee.
Cons
- The annual fee isn’t waived in the first year
- Requires you to pay off your balance in full each month (if not opted for Pay Over Time or Pay It Plan feature)
- The Pay Over Time ongoing APR is high.
Expert Advice
Although the Amex Green Card has an annual charge of $150, the welcome bonus 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
| Name of the Card | American Express Blue Cash Preferred Card | American Express Gold Card | American Express Platinum Card | American Express Blue Cash Everyday Card | American Express Green Card |
|---|---|---|---|---|---|
| Payment Gateway | AMEX | AMEX | AMEX | AMEX | AMEX |
| Best For | Families, Everyday Spenders | Frequent Travelers, Food Enthusiasts | Professionals, Frequent Travelers | Budget-Conscious, Families | Travelers, Environmentally Conscious |
| Credit Score | Good/ Excellent | Good/Excellent | Excellent | Good/Excellent | Good/Excellent |
| Annual Fee | $0 | $325 | $695 | $0 | $150 |
| Annual Percentage Rate (Intro APR) | 0% for 12 months | N/A | N/A | 0% for 15 months | N/A |
| Regular APR | 19.24%–29.99% | 21.24%–29.24% | 21.24%–29.24% | 19.24%–29.99% | 21.24%–29.24% |
| Balance Transfer | 19.24%–29.99% | N/A | N/A | 19.24%–29.99% | N/A |
| Sign in Bonus | $200 statement credit after $2,000 spent in 6 months | 60,000 Membership Rewards points after $4,000 spent in 6 months | 80,000 Membership Rewards points after $8,000 spent in 6 months | $200 statement credit after $2,000 spent in 6 months | 40,000 Membership Rewards points after $3,000 spent in 6 months |
| Decision Criteria | Best for online consumers who buy groceries and streaming services, with significant cashback incentives. | Ideal for regular online food delivery and eating, with large incentives at restaurants and grocers. | Perfect for high-end consumers who seek premium privileges, travel benefits, and unique shopping protections. | Excellent for budget-conscious customers searching for no yearly fee and consistent rewards on everyday internet purchases. | Ideal for travel-savvy customers looking for incentives on travel, transportation, and internet purchases. |
Methodology
The top American Express credit cards for online shopping 2025 selection was made after a thorough analysis of salient factors that complement the online shopping experience. The considered factors are cashback rewards, reward schemes, purchase protection benefits, security measures, and other benefits that support frequent online transactions.
A major point of consideration was the cards’ capability to deliver value on online retail transactions, such as for basic shopping, subscriptions, and digital services. Security features like fraud protection, return protection, and extended warranties were also considered, guaranteeing a secure and safe online shopping experience.
Another critical factor was the flexibility of rewards, considering how easily users could redeem points, cashback, or travel credits. Additionally, we analyzed the cost-effectiveness of these cards by weighing the benefits against any associated fees, including annual fees and foreign transaction charges.
By prioritizing these factors, we listed the top American Express credit cards that suit various spending behaviors and optimize rewards for online consumers to make informed choices based on their requirements and aspirations.
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:
1. 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.
2. 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.
3. 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.
4. 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?
Yes, American Express has a number of credit cards that are perfectly suited for online shopping. The Blue Cash Preferred® Card and Blue Cash Everyday® Card are excellent choices for routine online purchases, and the Gold Card is perfect for purchasing groceries and meals online.
The Platinum Card is advantageous for high-end online consumers and frequent flyers who make high-end online purchases. At the same time, the Green Card is convenient for online travel reservations and transit payments. While none of these cards are specifically created for online shopping, their functionalities render them extremely useful for 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.