Introduction:
Credit cards for online marketplaces include specific rewards, cashback, and security protections, making them ideal for frequent consumers. Whether you buy at Amazon, eBay, or Costco, the appropriate card may help you save money, secure your purchases, and make payments easier.
Top 9 Credit Cards for Online Marketplaces [2025]
| S. N. | Name of Credit Cards for Online Marketplaces | Best Known & Value for |
|---|---|---|
| 1. | Amazon Business American Express Card | 3% Back or 60-Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market |
| 2. | Amazon Prime Visa | Offers high rewards rates on Amazon purchases with no spending caps and Visa Signature benefits. |
| 3. | Target Circle Credit Card | Best for saving money at Target |
| 4. | PayPal Cashback Mastercard | Earn unlimited 3% cash back when you checkout with PayPal |
| 5. | Amazon Business Prime American Express Card | 5% bonus rate, including Amazon Business, Amazon Web Services, Amazon.com and Whole Foods Market |
| 6. | Amazon Visa | Generous Cashback on Amazon/Whole Foods Purchases |
| 7. | Costco Anywhere Visa® Card by Citi | Good for Costco members who want cash-back rewards |
| 8. | My Lowe’s Rewards Credit Card | Good for saving money on home improvement projects and appliances, installed flooring, and HVAC |
| 9. | eBay MasterCard | Offers 3% cash back on any eBay purchase |
Best Credit Cards for Online Marketplaces [March 2025]
If you frequently shop on online marketplaces like Amazon, Target, or PayPal, having the right credit card can help you maximize savings and earn rewards. This guide compares some of the best credit cards designed for online shopping, offering cash back, rewards, and flexible financing options.
1. Amazon Business American Express Card
The Amazon Business American Express Card is a credit card for small businesses that gives additional points on Amazon purchases and has no annual fee. With Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market, cardholders can opt to get a 60-day 0% APR or 3% back on qualifying U.S. purchases (extra cashback applies on the first $120,000 in eligible purchases, then 1%).
Business Rewards
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Good/Excellent
- Intro APR – N/A
- Regular APR – 18.49%-26.49% Variable APR
- Annual Fee – $0
- International Transaction Fee – 0%
- Cash Advance Fee – Either $5 or 3% of the amount of each cash advance, whichever is greater.
- Balance Transfer APR – N/A
- Sign In Bonus – Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Best For – Small Business Owners, E-commerce Owners
The Amazon Business American Express Card is issued by American Express and is tailored for small business owners who frequently shop on Amazon. With 3% back on U.S. Amazon Business, AWS, and Whole Foods purchases (5% with an Amazon Prime membership), it helps businesses save on essential purchases. It also offers 2% back at restaurants, gas stations, and wireless services and 1% back on all other purchases.
This card has no annual fee and requires a good to excellent credit score (700+). It comes with flexible financing options, allowing businesses to choose between earning rewards or taking 90 days of interest-free financing on Amazon purchases. The credit limit depends on the applicant’s financial profile. Additionally, it includes extended warranty protection, purchase protection, and a $100 Amazon Gift Card upon approval.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Amazon Shop with Points | 3% Back or 60-day Terms on U.S. purchases at Amazon Business, AWS, Amazon.co,m, and Whole Foods Market on the first $120,000 in purchases each calendar year, 1% Back thereafter. | Save time with auto-expense categorization in Intuit QuickBooks |
| Get a $100 Amazon Gift Card upon approval | 2% Back at U.S. restaurants, at U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers | Track spending and rewards, find offers, make a payment, and get important account alerts in real time with the American Express® App |
| Purchase Protection | 1% Back on other purchases | Relationship Care® Service |
| Amazon Shop with Points | – | – |
| Extended Warranty | – | – |
| Car Rental Loss and Damage Insurance | – | – |
| Baggage Insurance Plan | – | – |
| Global Assist® Hotline | – | – |
Pros & Cons:
Pros
- You can choose 3% back in select categories or 60-day no-interest terms on Amazon purchases.
- Earn 2% back at U.S. restaurants, gas stations, and wireless providers.
- Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Points earned with the Amazon Business American Express Card can only be used as a credit for eligible purchases at Amazon.com and Amazon.com/Business or as a reimbursement toward a charge on your statement.
- This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
Expert Advice
The Amazon Business American Express Card is a wonderful option if you often purchase on Amazon but do not have an Amazon Prime membership. It may also be useful if you need more time to pay for your goods. In addition to its benefits, the Amazon Business American Express Card provides a variety of expenditure control options to make your life easier. Overall, it is a nice card that can earn respectable points and, if necessary, may provide your business with some flexibility.
2. Amazon Prime Visa
The Prime Visa Card is a popular credit card for online shopping, featuring high rewards rates on Amazon purchases, no spending limits, and Visa Signature advantages. You can offset the cost of your Amazon Prime membership by making Amazon purchases while also receiving crucial benefits such as travel and purchase protections.
Cashback, Rewards
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Good/Excellent
- Intro APR – N/A
- Regular APR – N/A
- Annual Fee – N/A
- International Transaction Fee – N/A
- Cash Advance Fee – N/A
- Balance Transfer APR – N/A
- Sign In Bonus – N/A
- Best For – Online Shoppers
Issued by Chase, the Prime Visa is designed for Amazon Prime members, offering 5% cashback on Amazon and Whole Foods purchases, 2% at gas stations, restaurants, and drugstores, and 1% on all other transactions. This card is best for frequent Amazon shoppers looking to maximize their savings.
The card has no annual fee but requires an active Amazon Prime membership ($139/year). Credit limits vary based on creditworthiness. A good credit score (670+) is recommended. Additional perks include travel insurance, extended warranty protection, and exclusive Prime Day discounts.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Buy now, pay later with equal monthly payments | 5% back on your Amazon.com purchases with an eligible Prime membership | Lost Luggage Reimbursement |
| Visa Signature benefits | 5% back at Whole Foods Market online or in-store | Auto Rental Coverage |
| Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership | 5% back on your purchases at Audible.com with an eligible Prime membership | Roadside Assistance |
| Baggage Delay Insurance | 5% back on Chase Travel purchases with an eligible Prime membership | Travel Accident Insurance |
| Extended Warranty Protection | 2% back at gas stations | – |
| Travel and Emergency Assistance | 2% back at restaurants for dine-in or take-out | – |
| Purchase Protection | 2% back on local transit and commuting, including rideshare | – |
| – | 1% back on all other purchases | – |
Pros & Cons:
Pros
- A combination of high rewards rates for Chase travel purchases and no foreign transaction fees offers rare value for a store card.
- It comes with substantial travel and purchase protections and Visa Signature benefits, providing better value compared to other store cards.
Cons
- The required Amazon Prime membership is essentially an annual fee.
- There is no option to transfer reward points to other programs, so your redemption options are limited.
- Although it’s a Chase credit card, you don’t earn Ultimate Rewards points and cannot use the Chase Ultimate Rewards portal.
Expert Advice
The Prime Visa card is unquestionably worthwhile if you often shop from Amazon, especially if you spend a lot over the holidays or on Amazon Prime Day. The limitless 5% rewards clearly beat other credit cards’ online shopping categories, and you should be able to pay the cost of your Prime membership without overspending, better safeguard your purchases, and enjoy a few travel advantages while you’re doing it.
3. Target Circle Credit Card
The Target Circle™ Card by TD Bank offers a $0 annual fee and a 5% discount on all qualifying Target purchases. This means you may receive points right away and save at checkout.
Cash Back
- Issuer – TD Bank
- Payment Gateway – MasterCard
- Credit Score – Good-Excellent
- Intro APR – N/A
- Regular APR – 28.95%, Variable APR
- Annual Fee – $0
- International Transaction Fee – 0%
- Cash Advance Fee – Either $10 or 3% of the amount, whichever is greate
- Balance Transfer APR – N/A
- Sign In Bonus – Get $50 in Target Circle Rewards when you spend $50 or more on qualifying purchases in-store or at Target.com with your Target Circle Debit or Credit card within 60 days of approval.
- Best For – Regular shoppers, Target shoppers
Designed for regular Target customers, the Target CircleTM Card gives 5% off certain purchases at Target locations and Target.com and has no annual fee. On qualified Target.com purchases, cardholders additionally receive free two-day delivery and an additional 30-day return window.
To further improve security and convenience for cardholders, other benefits include identity theft protection and airport concierge services.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| $500 baby savings | 5% off at any in-store Starbucks location | Free 2-day shipping |
| $675 grocery savings | 5% off specialty gift cards for travel, restaurants, and more | Free shipping at Target.com program rules |
| 5% Target Circle™ Card discount program rules | 5% at Drive Up by staying in your car | – |
| Extended returns program rules | 5% discount at Target and Target.com- | – |
| Exclusive extras benefit | 5% off your same-day delivery order placed on Target.com | – |
Pros & Cons:
Pros
- You can get 5% off every day at Target and Target.com. Earn 2% on dining and gas purchases and 1% everywhere else outside of Target with the Target Circle™ Card
- When you use your Target Circle™ Card to shop at Target.com, you’ll get free two-day shipping on most items, saving yourself Target’s $5.99 standard shipping fee
- You’ll get 30 additional days to return a purchase beyond Target’s standard return policy when you pay with your Target Circle™ Card.
Cons
- Unlike traditional credit cards that you can use anywhere, you can only make purchases with the Target Circle™ Card at Target stores and Target.com.
- High interest rates Discount does not apply to all Target purchases.
Expert Advice
The Target Circle™ Card provides significant value for those who spend a few hundred dollars at Target annually. The 5% discount on qualified purchases at the store is an obvious benefit, and the card is simple to use. Unlike many other shop cards, you don’t have to keep track of convoluted incentive schemes; instead, you’ll notice your savings when you pay. In fact, the 5% discount is so appealing that even casual Target customers may discover value in this card. However, if you don’t have a Target nearby or don’t enjoy shopping there, you may want to avoid the card.
4. PayPal Cashback Mastercard
The PayPal Cashback Mastercard® can be a fantastic option if you frequently use PayPal or if you just need a reliable rewards card with no annual fees.
Cash Back, Online Purchases
- Issuer – Synchrony Bank
- Payment Gateway – MasterCard
- Credit Score – Good-Excellent
- Intro APR – N/A
- Regular APR – 19.99% to 26.99% Variable APR
- Annual Fee – $0
- International Transaction Fee – 3%
- Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
- Balance Transfer APR – N/A
- Sign In Bonus – N/A
- Best For – Online Shoppers
Issued by Synchrony, this card offers 3% unlimited cash back on PayPal purchases and 2% on all other transactions, making it one of the best flat-rate cash-back options for digital shoppers.
The card has no annual fee and requires good to excellent credit. It offers strong fraud protection and seamless integration with PayPal accounts. There’s no referral program, but cashback is automatically credited.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee and no rotating categories | 3% when you pay with PayPal | Zero Liability Protection |
| Redeem your cashback to your PayPal balance anytime, anywhere with the PayPal app and PayPal.com | 1.5% everywhere else Mastercard is accepted | Lost and stolen card reporting |
| You get all the benefits of Mastercard, like ID, Theft Protection TM, and Microchip technology | – | Emergency card replacement |
| Add up to 6 authorized users to your PayPal Cashback Mastercard | – | – |
| A temporary credit line will instantly be available before you get your card | – | – |
Pros & Cons:
Pros
- Earn 3% cash back with PayPal merchants and 1.5% on all purchases.
- No annual fee, making it easy to pair with other rewards cards.
- Seamless PayPal integration for managing payments and rewards.
Cons
- No sign-up bonus or intro offers.
- Limited 3% cash back at physical stores that don’t accept PayPal.
- Fewer perks compared to other cash back cards.
Expert Advice
The PayPal Cashback Mastercard provides an excellent rate for online or in-store PayPal transactions, as well as a good rewards rate for general expenditures. As long as you can benefit from the PayPal bonus category, this uncommon combination offers the card considerable long-term value. This credit card can be an excellent choice if you currently use PayPal and know which retailers accept your account.
5. Amazon Business Prime American Express Card
The Amazon Business Prime American Express Card effectively delivers a 5% reduction on Amazon-related company spending by offering an enticing 5% cash back. You could gain more from a business credit card with adjustable rewards or bonus categories that better fit your spending patterns, though, if your company’s expenses are more varied.
Business Rewards, Amazon Purchases
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Good, Excellent
- Intro APR – 0% for 12 months
- Regular APR – 20.24%–29.99%
- Annual Fee – $0
- International Transaction Fee – 0%
- Cash Advance Fee – 5% or $10 (whichever is greater)
- Balance Transfer APR – 20.24%–29.99%
- Sign In Bonus – $125 Amazon Gift Card upon approval
- Best For – Small Business Owners, E-commerce Owners
The Amazon Business Prime American Express Card is tailored for businesses, offering rewards on purchases at Amazon Business, AWS, and Whole Foods Market. Issued by American Express, it helps manage business expenses efficiently.
This card has no annual fee and provides 5% back on Amazon purchases with an eligible Prime membership. The credit limit varies, and a good credit score is required. It also offers travel benefits and purchase protection.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Free employee cards | 5% back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership (on up to $120,000 in 5 percent categories purchases per calendar year, then 1 percent). | Expense management tools |
| Extended warranty | 2% back at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. providers | Shopping and travel protections add to value |
| Purchase protection | 1% back on all other purchases. | – |
| Amex Offers | – | – |
Pros & Cons:
Pros
- Offers cash back in the form of points
- No annual fee and no foreign transaction fees, making it a relatively low-cost card.
Cons
- Rewards are only good for statement credits or more merchandise on Amazon.com, limiting redemption options Doesn’t offer balance transfers for debt management.
- You must be an Amazon Prime member to qualify.
Expert Advice
An Amazon Business Prime American Express Card, together with your Prime membership, may help keep your business operating smoothly by giving free shipping and speedier delivery on qualified products. There are other perks to becoming a Prime member, such as music to listen to while working and books and films for after hours.
6. Amazon Visa
The Amazon Visa provides rewards on daily purchases, including Amazon.com, Amazon Fresh, Whole Foods Market, eating, transportation, and petrol stations in the United States, with no annual fees. You also earn extra when you book travel via Chase Travel. Redeem rewards on Amazon.com or for cash back, gift cards, or trips.
Cashbacks and Rewards
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Good/Excellent
- Intro APR – N/A
- Regular APR – 18.99% – 26.99% Variable APR
- Annual Fee – $0
- International Transaction Fee – $0
- Cash Advance Fee – Either $5 or 4% of the amount of each transaction, whichever is greater
- Balance Transfer APR – N/A
- Sign In Bonus – N/A
- Best For – Online Shoppers
The Chase Amazon Visa is a great option for non-Prime members, offering 3% cashback at Amazon and Whole Foods, 2% at restaurants, gas stations, and drugstores, and 1% on all other purchases. It provides excellent value for those who frequently shop on Amazon but do not want to pay for a Prime membership.
No annual fee and no foreign transaction fees make it a budget-friendly option. Requires a good credit score (670+). Credit limits depend on creditworthiness. The card also offers purchase protection and Visa Signature benefits, making it a well-rounded choice.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| $50 Amazon Gift Card | 3% Cashback at Amazon.com and Whole Foods Market | Travel Accident Insurance |
| Redeem your points as soon as the next day with daily rewards. | 2% Cashback at restaurants, gas stations and drugstores | Lost Luggage Reimbursement |
| You will pay no foreign transaction fees when you use your card for purchases made outside the United States. | 1% Cash back on all other purchases | Auto Rental Coverage |
| Extended Warranty Protection | – | – |
| Purchase Protection | – | – |
| Baggage Delay Insurance | – | – |
| Zero Liability Protection | – | – |
| Contactless – Just Tap to Pay | – | – |
Pros & Cons:
Pros
- Instant welcome offer with no spending requirement.
- No annual or foreign transaction fees.
- Perks include rental car coverage, travel insurance, roadside dispatch, extended warranty, and purchase protection.
Cons
- No rewards on interest-free financing purchases.
- Lower rewards without a Prime membership.
- Penalty APR may apply indefinitely for missed payments.
Expert Advice
The Amazon Visa is a good option for earning points with no annual fee if you purchase at Amazon.com or Whole Foods Market. It’s frosting on the cake if you want to get 3% back on Chase Travel and 2% back on other everyday expenditures like petrol, food, and transportation. However, the earning capacity of this card is not as appealing as the Prime Visa version of the card, which is intended for Amazon Prime subscribers.
7. Costco Anywhere Visa® Card by Citi
The Costco Anywhere Visa offers a few attractive features that set it apart from other of the finest credit cards for shopping. It earns 2% cash back on all Costco and Costco.com transactions.
Wholesale Cashback, Gas Rewards
- Issuer – Citibank
- Payment Gateway – Visa
- Credit Score – Good-Excellent
- Intro APR – N/A
- Regular APR – 19.49% – 27.49% (Variable) APR
- Annual Fee – $0
- International Transaction Fee – $0
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – 19.49% – 27.49% (Variable) APR
- Sign In Bonus – N/A
- Best For – Costco Members, Frequent Drivers
The Costco Anywhere Visa® Card by Citi is perfect for Costco members. Its best feature is earning 4% cashback on eligible gas purchases. It benefits users with high rewards on gas, dining, and Costco purchases, making it a valuable card for everyday use.
The card has no annual fee (Costco membership required). Its unique feature is no foreign transaction fees. The credit limit depends on creditworthiness. A good credit score (670+) is required. No referral program, but it offers an extended warranty and price protection.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Serves as your Costco ID | 5% cash back on Costco gas and 4 percent cash back on other eligible gas and EV charging purchases, including gas at Costco (for the first $7,000 per year, then 1 percent) | Damage & theft purchase protection |
| Purchase protection | 3% cash back on restaurant and eligible travel purchases, including Costco | Travel and emergency assistance |
| Access to Citi Entertainment | 2% cash back on all Costco and Costco.com purchases | Worldwide car rental insurance |
| Earns more cash back on expenses like gas, EV charging purchases, restaurants, and travel. | 1% cash back on all other purchases | Travel accident insurance- |
| You need to be a Costco member to apply for the card — a $60 annual fee. | – | Roadside assistance dispatch service |
Pros & Cons:
Pros
- No annual or foreign transaction fees, making it easy to carry.
- Solid welcome bonus valued at $1,230, per our valuations
- Strong earning rates on travel and dining add value.
Cons
- Cash back is redeemable only once per year at a Costco store.
- Requires a Costco membership ($60+ annually).
- No welcome offers and limited perks.
Expert Advice
The Costco Anywhere Visa Card is an excellent choice if you’re a Costco member searching for a method to get cash back on petrol, Costco, and dining purchases. Unfortunately, the card’s minimal benefits and tedious once-a-year cash-back redemption process make it difficult to recommend unless you purchase at Costco frequently. Even so, you can earn extra cash back at Costco with a variety of cash-back credit cards. If you’re contemplating a Costco membership just for the card’s extra category coverage, the cumbersome redemption process may be more painful than it’s worth.
8. eBay MasterCard
My Lowe’s Rewards Credit Card provides excellent value when spending at Lowe’s, making it one of the best credit cards for home remodeling. The automatic discount might save you hundreds of dollars on a large job.
Home Improvement DIY (Do-It-Yourself) Purchases
- Issuer – Synchrony Bank
- Payment Gateway – N/A
- Credit Score – Good-Excellent-Fair
- Intro APR – N/A
- Regular APR – 31.99%, Variable APR
- Annual Fee – $0
- International Transaction Fee – $0
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – N/A
- Sign In Bonus – Limit one 20% off coupon per new credit account; the offer is not transferable.
- Best For – Frequent DIY (Do-It-Yourself) home improvement shoppers at Lowe’s
The MyLowe’s Rewards Credit Card, formerly known as the Lowe’s Advantage Card, is an excellent alternative for people who frequently shop at Lowe’s and want to save money on their purchases.
Unlike shop cards, which provide rewards points that are only redeemable if you return to the business and spend more money, this Synchrony Bank-issued card offers a flat 5% discount on practically everything, with no annual fee.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Create a new account today and receive 20% off your purchase. | 5% discount at checkout | Deferred Interest Details – No interest if paid in full within 6 months on purchases of at least $299. |
| When your MyLowe’s Rewards Credit Card is charged, take advantage of daily savings of 5% off your qualified order or purchase. | 1.25x points toward MyLowe’s Money™ with Silver Key status | Fixed Rate Financing – 9.99% APR for 84 months on minimum purchases of at least $2,000. |
| Through MyLowe’s Rewards Loyalty program, cardholders may obtain free Silver Key Status. | 5% off every day and special financing | Online bill pay and account management |
| If paid in full within six months, there will be no interest. | – | – |
Pros & Cons:
Pros
- Opening discount on a single Lowe’s purchase
- Everyday discount at Lowe’s
- No annual fee.
Cons
- High interest rate if not during a promotional period
- Restrictions on which items are eligible for discounts
- Complicated rewards.
Expert Advice
This MyLowe’s Rewards Credit Card is a prime illustration of how co-branded retail cards don’t always provide the best value for customers. Yes, you can receive 5% off your purchases. If you’re purchasing huge appliances, this could result in considerable savings. However, since the ordinary purchase APR is greater than other cards, the savings don’t tally up if you pay delayed interest and fall into the special financing trap. All things considered, a general rewards credit card that offers home improvement retailers as one of its bonus categories can provide you with greater value.
9. eBay MasterCard
The eBay Mastercard charges no annual fee and allows you to earn points on daily transactions.
eBay Rewards and Cashback
- Issuer – Synchrony
- Payment Gateway – MasterCard
- Credit Score – Good-Excellent
- Intro APR – N/A
- Regular APR – 26.99% – 33.99% (V)
- Annual Fee – $95
- International Transaction Fee – $0
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – N/A
- Sign In Bonus – N/A
- Best For – People who regularly buy and sell on eBay
The eBay Mastercard has no annual fee and awards three points for every dollar spent on eBay purchases for the first $1,000 in a calendar year. Once you reach this spending limit, the card will reward you with five points per dollar on eBay transactions for the rest of the year.
In addition to eBay benefits, the card offers two points for each dollar spent on petrol, restaurants, and groceries. For any other purchases made with the card, you will get one point for every dollar spent.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Redeem points during eBay checkout, with 1,500 points equating to $10. | 5X points for the rest of the year after you spend $1,000 on eBay in a calendar year. | Enjoy hidden-gem experiences and special-access events worldwide. |
| Fraud protection | 3X points per $1 spent up to $1,000 on eBay in a calendar year. | Identity Theft Resolution |
| Price protection | 2X points per $1 spent on gas, restaurant, and groceries. | – |
| Extended warranty | 1X points per $1 spent on all other Mastercard purchases. | – |
| Zero-Liability Protection | – | – |
Pros & Cons:
Pros
- No membership fees
- High rewards rate
- Mastercard benefits.
Cons
- Spending caps on rewards
- No signup bonus
- No intro APR on purchases.
Expert Advice
If you enjoy shopping on eBay and want to earn some sweet rewards, this card may be an excellent choice. With 5x points for a dollar spent on eBay and additional points for petrol, restaurants, and grocery, you can really rack up the points. However, we cannot ignore the disadvantages—with a high variable APR and no 0% introductory APR, holding a debt might quickly become pricey. To even be considered for this card, you must have decent credit.
Table of Comparison
| Name of the Card | Payment Gateway | Best For | Credit Score | Annual Fee | Annual Percentage Rate | Regular APR | Balance Transfer | Sign in Bonus | Decision Criteria |
|---|---|---|---|---|---|---|---|---|---|
| Amazon Business American Express Card | AMEX | Small Business OwnersE-commerce Owners | Good/Excellent | $0 | N/A | 18.49%-26.49% Variable APR | N/A | Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card. | Business purchases on Amazon are great for small business owners managing Amazon expenses. |
| Amazon Prime Visa | Visa | Online Shoppers | Good/Excellent | N/A | N/A | N/A | N/A | N/A | High cashback on Amazon purchases; perfect for frequent Amazon shoppers with a Prime membership. |
| Target Circle Credit Card | Mastercard | Regular shoppersTarget shoppers | Good-Excellent | $0 | N/A | 28.95%, Variable APR | N/A | Get $50 in Target Circle Rewards when you spend $50 or more on qualifying purchases in-store or at Target.com with your Target Circle Debit or Credit card within 60 days of approval. | Instant discounts on Target purchases are best for shoppers who frequently buy from Target. |
| PayPal Cashback Mastercard | Mastercard | Online Shoppers | Good-Excellent | $0 | N/A | 19.99% to 26.99% Variable APR | N/A | N/A | Instant discounts on Target purchases are best for shoppers who frequently buy from Target. |
| Amazon Business Prime American Express Card | AMEX | Small Business OwnersE-commerce Owners | Good-Excellent | $0 | 0% for 12 months | 20.24%–29.99% | 20.24%–29.99% | $125 Amazon Gift Card upon approval | Business purchases on Amazon are great for small business owners managing Amazon expenses. |
| Amazon Visa | Visa | Online Shoppers | Good/Excellent | $0 | N/A | 18.99% – 26.99% Variable APR | N/A | N/A | General Amazon shopping rewards are a good option for non-Prime Amazon customers looking for cashback. |
| Costco Anywhere Visa® Card by Citi | Visa | Costco MembersFrequent Drivers | Good/Excellent | $0 | N/A | 19.49% – 27.49% (Variable) APR | 19.49% – 27.49% (Variable) APR | N/A | Rewards on Costco.com and in-store purchases are ideal for Costco members looking for elevated cashback. |
| My Lowe’s Rewards Credit Card | N/A | Frequent DIY (Do-It-Yourself) home improvement shoppers at Lowe’s | Good-Excellent-Fair | N/A | 31.99%, Variable APR | N/A | Limit one 20% off coupon per new credit account; the offer is not transferable. | Discounts and rewards at Lowe’s are best for home improvement shoppers and contractors. | |
| eBay Mastercard | MastercardN/A | People who regularly buy and sell on eBay | Good-Excellent | $95 | N/A | 26.99% – 33.99% (V) | N/A | N/A | Earning points on eBay purchases; ideal for regular eBay shoppers who want higher rewards after a spending threshold. |
Methodology
When selecting a credit card for online marketplace purchases, prioritize rewards, cashback, and protection benefits. Different cards cater to specific retailers, ensuring maximum savings and perks for frequent online shoppers and business buyers.
Key Features to Look For in a Credit Card for Online Marketplace Purchases:
- High e-commerce points
- Strong cashback choices
- Extras like purchase protection and extended warranty
Benefits of These Credit Cards:
- Maximize savings on online marketplaces like Amazon, eBay, and Costco
- Provide incentives for frequent online purchases
Examples of Credit Cards and Their Benefits:
- Amazon Business American Express Card & Amazon Prime Visa
- Increased benefits on Amazon purchases
- Best suited for frequent Amazon buyers
- PayPal Reward Mastercard
- Set reward percentage on all purchases
- Ideal for shoppers who buy from multiple online marketplaces
- Citi’s Costco Anywhere Visa® Card & My Lowe’s Benefits Credit Card
- Tailored to specific retailers
- Provide generous rewards for both in-store and online shopping
- eBay Mastercard
- Tiered rewards structure for eBay purchases
- Target Circle Credit Card
- Instant savings on Target.com transactions
- Amazon Business Prime American Express Card
- Best for business purchasers
- Extra benefits such as flexible payment periods.
Choosing Credit Cards for Online Marketplaces
Shopping on online marketplaces such as Amazon, eBay, and Costco has become commonplace for many individuals and organizations. The correct credit card may help you optimize points, cashback, and other benefits, making every transaction more worthwhile. Whether you want greater e-commerce rewards, unique retailer incentives, or flexible cashback possibilities, choosing the ideal card is determined by your buying habits and preferences.
Consider these features:
- Rewards for online purchases: Many credit cards provide generous rewards for e-commerce purchases, making them perfect for frequent online shoppers. For example, the Amazon Prime Visa pays up to 5% cashback on Amazon purchases, but the eBay Mastercard offers larger benefits for eBay transactions after hitting a certain spending level.
- Cashback for General Spending: If you purchase on numerous platforms, a flat-rate cashback card guarantees that you receive benefits regardless of where you buy. These cards offer continuous value, particularly for people who do not purchase from a single merchant.
- Retailer-specific benefits: Some credit cards provide unique discounts, free delivery privileges, or special financing alternatives for certain shops. The Target Circle Credit Card, for example, provides a 5% discount on Target purchases, making it an attractive alternative for frequent Target shoppers.
- Purchase Protection and Extended Warranty: A solid marketplace credit card should offer protection against damage, theft, and fraud. Many premium credit cards prolong manufacturer warranties and provide purchase security, resulting in safer transactions.
- Annual Fees and Interest Rates: Consider if the benefits exceed the possible drawbacks. Some cards have no annual fees, making them affordable for frequent consumers, whilst others provide premium features that may warrant a membership or charge.
Why Do You Need a Credit Card for Online Marketplaces?
Using a credit card for online marketplace transactions has several benefits, ranging from security and ease to maximizing rewards.
Here’s how having the appropriate credit card may improve your online shopping experience:
Enhanced Security and Fraud Protection
Credit cards provide built-in fraud prevention, allowing you to contest fraudulent transactions and avoid financial damage. Many also include zero-liability policies, which ensure you are not held accountable for unauthorized charges.
Purchase Protection and Extended Warranty
Many credit cards provide purchase protection against damage or theft for a certain period after you purchase an item. Some also extend manufacturer warranties, providing additional coverage for pricey goods.
Reward and Cashback Opportunities
Credit cards allow you to earn points, cashback, or shop credits for purchases, which helps you save money over time. If you spend regularly online, these awards can add up and be redeemed for discounts, vacations, or other rewards.
Improved Budgeting and Interest-Free Periods
Many credit cards include interest-free grace periods, which enable you to make a purchase and then pay it off later without incurring additional fees. This can assist with budgeting and spending management.
Exclusive Discounts and Perks
Some credit cards provide exclusive discounts, early access to specials, free delivery, or extended return terms on specialized marketplaces, making them an invaluable tool for frequent shoppers.
Do Credit Cards offer Cards for Online Marketplaces?
Yes, some credit card issuers have cards built exclusively for online marketplace purchases, which include rewards, cashback, and unique merchant privileges. These cards allow frequent customers to optimize discounts while maintaining security and convenience. For example, the Amazon Prime Visa provides up to 5% cashback on Amazon purchases, making it a good alternative for frequent shoppers. Similarly, the eBay Mastercard offers tiered rewards, letting customers earn additional points on eBay purchases after hitting a certain spending limit.
How Do Credit Cards for Online Marketplaces Help?
Credit cards for online marketplaces enable users to save money, expedite payments, and receive rewards for regular purchases. These cards are great for regular shoppers on platforms such as Amazon, eBay, and Costco, as they provide cashback, reward points, and unique rewards for e-commerce purchases.
For example, the Amazon Prime Visa offers generous rewards on Amazon purchases, making it an excellent option for repeat customers. Similarly, after hitting a certain spending level, the eBay Mastercard rewards customers with more points for eBay transactions.
Beyond rewards, these credit cards help with budgeting by combining internet purchases into a single payment method. They provide security and flexibility via fraud protection, buy insurance, and extended warranties, resulting in a safer and more convenient purchasing experience.
Advantages of Credit Cards for Online Marketplaces
| Advantages | Description |
|---|---|
| Higher Rewards and Cashback | Earn elevated rewards or cashback on purchases from specific online marketplaces, maximizing savings. |
| Exclusive Discounts and Perks | Get special deals, early access to sales, and free shipping benefits, enhancing the shopping experience. |
| Fraud Protection and Security | Enjoy zero-liability policies, purchase protection, and encryption features to safeguard online transactions. |
| Extended Warranties and Purchase Protection | Some cards extend manufacturer warranties and cover accidental damage or theft of purchased items. |
| Flexible Payment Options | Manage expenses better with interest-free grace periods, installment plans, and balance transfer options. |
| Global Shopping Convenience | Many marketplace credit cards have no foreign transaction fees, making international purchases more affordable. |
| Budgeting and Expense Tracking | Easily monitor spending with categorized statements and budgeting tools, ensuring better financial management. |
Frequently Asked Questions
Why should I use my credit card to make online marketplace purchases?
Credit cards provide incentives, cashback, purchase protection, and fraud protection, making online buying both attractive and secure.
Do credit cards for online markets provide larger rewards?
Yes, many cards provide more cashback or rewards points for purchases made on sites such as Amazon, eBay, and Costco, allowing customers to save more.
Are there any fees with these credit cards?
Some marketplace credit cards have no annual fees, while others may have costs based on the features provided. Before making a decision, compare your possibilities.
Can I use these credit cards to make purchases outside of online marketplaces?
Yes, the majority of credit cards provide points for general expenditure, such as groceries, restaurants, and petrol, making them useful for everyday use.
Do these credit cards provide purchase protection?
To guarantee safer transactions, many credit cards provide extended manufacturer warranties, purchase protection, and fraud liability coverage.