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Best Credit Cards for Shopping Online, Streaming Services and Food Delivery of 2022
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With the right rewards credit card, your budget can stretch a little further. Cashback rewards often can be applied as statement credits, thus reducing the amount of your purchases.
The coronavirus pandemic is causing many Americans to stay at home as much as possible. This means shopping online, streaming services, and ordering food delivery all became bigger parts of consumers’ regular routines than before. In fact, according to a recent LendingTree study, 1 in 3 consumers purchased a new online subscription service during the pandemic.
Through a review of cards available on LendingTree, as well as from top issuers, we selected the best cards to reward you for spending in these categories.
Click below to learn more:
Best credit cards for online shopping
Below are some credit cards that offer cash back for online purchases.
Why we like this card
The Bank of America® Customized Cash Rewards credit card offers 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Your choices for earning 3% cashback are gas, online shopping, dining, travel, drug stores or home improvement/furnishings. Examples of some of the merchant types qualifying for the online shopping category are:
- Bookstores
- Clothing and apparel
- Department stores
- Discount stores
- Electronics
- Specialty retail stores
- Sporting goods
Additional card details
Redemption options: Statement credits, deposits into a Bank of America checking or savings account, credits to an eligible Merrill account, checks and contributions to a qualifying 529 account with Merrill.
Annual fee: $0
Sign-up bonus: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Regular purchase APR: 13.99% - 23.99% Variable APR
Amazon Prime Rewards Visa Signature Card
Why we like this card
If you’re an Amazon Prime member, the Amazon Prime Rewards Visa Signature Card offers a generous cashback rate on your Amazon orders. Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.. Note that an Amazon Prime membership costs $119 per year or $12.99 per month, or $59 per year or $6.49 per month if you have a student membership plan.
Additional card details
Redemption options: Statement credits, electronic deposits into a checking or savings account, shopping with points on Amazon.com, gift cards and travel. You may also be offered the opportunity to use points for products or services from third-party merchants.
Annual fee: $0
Sign-up bonus: Get a $150 Amazon Gift Card instantly upon approval.
Regular purchase APR: 14.24%-22.24% variable APR
Capital One® Walmart Rewards® Card
Why we like this card
For those who prefer to shop online at Walmart, the Capital One® Walmart Rewards® Card offers an excellent cashback rate. Earn 5% Cash Back At Walmart.com, including pickup and delivery. 2% Cash Back In Walmart stores, at restaurants and on travel. 1% Cash Back Everywhere else Mastercard® is accepted.
Additional card details
Redemption options: Statement credits, covering a purchase, gift cards and travel.
Annual fee: $0
Sign-up bonus: Earn 5% cash back in Walmart stores for the first 12 months after approval when you use your Capital One® Walmart Rewards® Card with Walmart Pay – the quick and touch-free way to pay with your phone at Walmart.
Regular purchase APR: 17.99%, 23.24%, or 26.99% variable APR
Discover it® Cash Back
Why we like this card
The Discover it® Cash Back offers the opportunity to earn a great cashback rate if you’re willing to activate different categories each quarter. Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. Cardholders can earn the higher cash back rate on Amazon.com and digital wallet purchases during the fourth quarter of 2022.
Additional card details
Redemption options: Statement credits, electronic deposits, gift cards/ecertificates, pay with cashback bonus at select merchants and charitable donations to select charities.
Annual fee: $0
Sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Regular purchase APR: 11.99% - 22.99% Variable APR
Best credit cards for streaming services
Whether you’re busy binge-watching “Tiger King,” discovering the latest Netflix original series with your partner or entertaining the kids with Disney classics, paying for your streaming service with the right credit card can help you earn cash back.
Blue Cash Preferred® Card from American Express
Why we like this card
The Blue Cash Preferred® Card from American Express offers the best cashback rate on streaming services of any card we’ve found. It’s also one of the best cards for consumers who spend a lot on grocery shopping. Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
Here’s the list of eligible streaming services:
- Amazon Music Unlimited
- Apple Music
- Apple TV+
- AT&T Now
- Audible
- CBS All Access
- Disney+
- ESPN+
- Fubo TV
- HBO Now
- Hulu
- iHeartRadio
- Kindle Unlimited
- Luminary
- MLB.TV
- NBA League Pass
- Netflix
- NHL.TV
- Pandora
- Prime Video
- Showtime
- Sling TV
- SiriusXM Streaming and Satellite
- Spotify
- Stitcher
- YouTube Music Premium
- YouTube Premium
- YouTube TV
Additional card details
Redemption options: You can redeem your cash back as statement credits. From time to time, American Express also offers cashback redemption options for gift cards and merchandise.
Annual fee: $0 introductory annual fee for the first year, then $95
Sign-up bonus: Earn $300 back after you spend $3,000 in purchases on your new card within the first 6 months.
Regular purchase APR: 13.99%-23.99% variable APR
To see rates & fees for the Blue Cash Preferred® Card from American Express please click here.
U.S. Bank Altitude® Connect Visa Signature® Card
Why we like this card
The U.S. Bank Altitude® Connect Visa Signature® Card lets cardholders earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points at grocery stores, grocery delivery, dining and on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! To earn that streaming bonus, make 11 consecutive months of eligible streaming service purchases, and the credit will be applied to your account within two statement billing cycles. Examples of streaming services that qualify have included:
- Amazon Music
- Apple Music
- Apple TV+
- AT&T TV Now
- Discover+
- Disney+
- ESPN+
- Fubo TV
- Google Music
- HBO Max
- Hulu
- Netflix
- Pandora
- Paramount+
- Peacock
- SiriusXM
- Slacker Radio
- Sling TV
- Spotify
- Tidal
- Vudu
- YouTube Music
- YouTube TV
However, this card does come with an annual fee. Those who prefer a $0*-annual-fee alternative should consider the U.S. Bank Altitude® Go Visa Signature® Card, which offers a $15 annual streaming bonus.
Additional card details
Redemption options: Cash back to a bank account with U.S. bank, statement credits, gift cards, travel and merchandise.
Annual fee: $0 introductory annual fee for the first 12 months, after that $95.
Sign-up bonus: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
Regular purchase APR: 15.99% - 23.99%* (variable)
Best credit cards for food delivery
Ordering online lets you enjoy food from your favorite restaurant at home — whether the restaurant itself offers delivery or you’re using a service such as DoorDash, Grubhub, Postmates or Uber Eats. And paying with the right credit card is a smart way to make your order a little cheaper, since you can cashback on dining.
Chase Freedom Flex℠
Why we like this card
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. In addition to restaurants and takeout, the dining category includes eligible food delivery services. Note that there’s a $1,500 spending cap on the rotating categories each quarter before your rewards rate drops to 1% back on those purchases.
Plus, card members receive a complimentary three-month DashPass to use on the DoorDash and Caviar apps. After the first three months, the user will be auto-enrolled in DashPass for the next nine months, with a 50% discount applied to the current membership rate. After the first 12 months, the user will be automatically enrolled for a full membership at the then current rate. Activate by March 31, 2021.
Additional card details
Redemption options: Statement credits, direct deposits into a checking or savings account, shopping with points at Amazon, gift cards and travel.
Annual fee: $0
Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Regular purchase APR: 14.99% - 23.74% variable APR
Capital One® Savor® Cash Rewards Credit Card
Why we like this card
The Capital One® Savor® Cash Rewards Credit Card is Capital One’s premier dining card. Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases.
Additional card details
Redemption options: Statement credits, and checks, previous purchases and gift cards.
Annual fee: $95
Sign-up bonus: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
Regular purchase APR: 15.99% - 24.99% (variable) APR
U.S. Bank Altitude® Go Visa Signature® Card
Why we like this card
This is a versatile card with a generous rewards structure: Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases. Earning 4X points on food delivery with a $0* annual fee makes this a stellar card for foodies. Plus, you’ll earn a $15 credit bonus after you put qualifying streaming purchases on your card for 11 consecutive months.
Additional card details
Redemption options: Cash back as a statement credit or as a deposit to a U.S. bank checking or savings account, gift cards, merchandise, and travel.
Annual fee: $0*
Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Regular purchase APR: 14.99% - 23.99%* (variable) APR
American Express® Gold Card
Why we like this card
The American Express® Gold Card offers strong rewards on dining and U.S. supermarket purchases and a valuable dining credit. Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. If you hit the cap on the higher supermarket rate, that’s 100,000 points.
For the $120 dining credit, you can earn up to $10 each month in statement credits when you pay with this card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. Note that enrollment is required in order to earn the dining credit.
Additional card details
Redemption options: Amex Membership Rewards points can be used for covering your card charges, to pay with points at checkout, to redeem for gift cards, to book or upgrade travel, to transfer to travel partner loyalty programs and to shop with partner merchants.
Annual fee: $250
Sign-up bonus: Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Regular purchase APR: See Pay Over Time APR
To see rates & fees for the American Express® Gold Card please click here.
Picking the best credit card for you
When deciding whether to apply for any of the above cards, ask yourself the following questions:
- What rewards category matters most to me?
- How do I want to be able to redeem my rewards?
- Do I spend enough to recoup an annual fee?
The answers will help you identify which credit card is the best fit for your spending habits. In addition, consider whether any of the issuers have restrictions that could impact your ability to be approved. For example, the unwritten Chase 5/24 rule means that if you’ve been approved for five or more cards from any issuer within the past 24 months, you’ll be denied for a Chase card.
To see rates & fees for the Blue Cash Preferred® Card from American Express please click here.
To see rates & fees for the American Express® Gold Card please click here.
The information related to the Amazon Prime Rewards Visa Signature Card, the Capital One® Walmart Rewards® Card, and the Capital One® Savor® Cash Rewards Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuers of these cards prior to publication. Terms apply.