1
Best no-fee pick
Discover It
5x when online shopping is the active quarterCash Back
Best Credit Cards for All Shopping
Top cards for general shopping — online retail, in-store, and catch-all spend outside specific category earners.
Online, in-store, and general retail
Top picks — no annual fee
Keep forever · $0/yrNo dedicated annual-fee pick stands out for this category — use your best flat-rate catch-all card instead.
See Everything Else category →Honorable mentions
Annual fee
Reward type
5 cards
#1
Hilton Honors Surpass
Loyalty Points
4x US Online Retail
- 12x Hilton
- 6x Restaurants
- 6x Supermarkets
- 6x Gas
- 4x US Online Retail
- 3x everything else
Click to see redemption options
155,000 points after $3,000 in 6 months
#2
Citi Strata Elite
Transferable Points
12x Hotels/Cars/Attractions via CitiTravel
- 12x Hotels/Cars/Attractions via CitiTravel
- 6x Airfare via CitiTravel
- 3x Restaurants
- 1.5x everything else
Click to see redemption options
80,000 points after $4,000 in 3 months
#3
Capital One Venture Rewards
Transferable Points
5x Flights via C1 Travel
- 5x Flights via C1 Travel
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
#4
Capital One Venture X
Transferable Points
10x Hotels & Car Rentals via C1
- 10x Hotels & Car Rentals via C1
- 5x Flights via C1
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
#5
BILT Palladium Mastercard
Transferable Points
2x on all purchases (excluding rent)
- 2x on all purchases (excluding rent)
- 1x Rent (no processing fee — 5 transactions required per statement)
Click to see redemption options
50,000 BILT points after $4,000 in 3 months
Not sure which one fits you?
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Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) assume the relevant category is active. Terms and reward rates are subject to change at each issuer's discretion.