By Bryce Casson, Founder · Cardocrat · Updated June 2026
The short answer: For online shopping, the best setup is a card that bonuses online or a specific retailer (like the Amazon cards), stacked with your issuer shopping portal for extra points, and a strong flat-rate card for everywhere else. Always pay in full and use the purchase protections online buying makes valuable.
Where the bonuses are
A few cards reward online shopping directly or a specific retailer: the co-branded store cards (Amazon, for example) pay the most at their store, while some cards rotate online shopping in as a 5 percent category. Outside those, a strong flat-rate card at 2 percent covers all online spending evenly.
Stack a shopping portal
Your issuer shopping portal (the Chase, Amex, or Capital One rewards mall) pays extra points when you start your purchase there and click through to the retailer. That stacks on top of your card rewards for free, often adding several points per dollar at major stores. It is one of the most overlooked ways to boost online earning.
A card that bonuses online shopping or a specific retailer (like the Amazon cards), stacked with your issuer shopping portal, plus a flat-rate card for everywhere else.
What is a shopping portal?
An issuer rewards mall (Chase, Amex, Capital One) that pays extra points when you start your online purchase there and click through to the retailer, on top of your card rewards.
Bryce Casson, Founder of Cardocrat. Every card is ranked by what it actually returns, with all points valued at a flat 1 cent and offers verified against issuer sources. About the author.