Compare Cardwell cards for eligible U.S. online retail and broad everyday spending.
Guide updated September 16, 2026 · Verify current offers with the issuer
3% at U.S. supermarkets, U.S. gas stations, and U.S. online retail, each up to $6,000 yearly, then 1%.
Why it made this list: Useful household bonus categories without an annual fee.
Unlimited 2% cash back: 1% when buying and another 1% when paying; 5% on eligible Citi Travel bookings.
Why it made this list: Straightforward 2% earning with no category enrollment or annual fee.
1.5% on everyday purchases, 3% on dining and drugstores, and 5% through Chase Travel.
Why it made this list: Low-maintenance cash back with elevated dining and drugstore rewards.
Referral link — Cardwell may receive a reward. Rankings stay independent.
Paying online does not automatically make a transaction eligible. Services, subscriptions, travel, entertainment, digital goods, utilities, and some marketplace purchases may fall outside an online-retail category.
A category can have a strong rate only up to a yearly spending limit. Estimate how much of your shopping falls below that cap and apply the card’s base rate to spending above it. That produces a more realistic annual estimate.
A broad flat-rate card may be a better fit when your online purchases come from many different merchants or categories. The headline rate may be lower, but fewer purchases depend on a narrow merchant definition.
At $400 a month in eligible online retail, a hypothetical 3% return is $144 a year, versus $96 at 2%. Only count purchases that satisfy the issuer’s definition; utilities, travel and person-to-person payments are not automatically online retail.
Online groceries, subscriptions and general online retail can follow different rules. A digital wallet alone does not establish eligibility. Check exclusions, caps and the rate after a cap. Never enter the same purchase in two calculator fields.
An online-retail bonus may add little value if your online budget mostly consists of excluded bills, travel or services. A flat-rate card can be a more predictable benchmark.
Open Additional spending categories to enter online retail and streaming separately. →
They may, but eligibility depends on how the marketplace and seller code the transaction and on the issuer’s exclusions.
Often they are treated as services rather than online retail. Use the issuer’s current category definition instead of assuming every online payment qualifies.
Issuers generally reverse rewards tied to a refunded purchase. The exact timing and account treatment depend on the issuer.