Online shopping credit cards give you the power to save money and earn rewards on the items you'd normally buy anyway, just from the comfort of your home.
Are you paying more than you need to for your online purchases? Take advantage of all the features and benefits offered by a shopping credit card to save you money.
From cash back to no foreign-exchange fees and extended warranties, you have plenty of options to choose from when it comes to picking a credit card to match your online spending habits. Here are our online shopping picks from our best credit cards Canada list, designed to save you money and protect your purchases online.
3 best online shopping credit cards
SimplyCash® Preferred Card from American Express
Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases)
$119.88 Annual Fee
Excellent Recommended Credit Score
MBNA Rewards World Elite® Mastercard®
Earn up to 30,000 bonus MBNA Rewards Points†† for cash back, gift cards and more.
$120 Annual Fee
Good Recommended Credit Score
$80,000 Required Annual Personal Income
Amazon.ca Rewards Mastercard®
Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
$0 Annual Fee
Fair Recommended Credit Score
$0 Required Annual Personal Income
Best online shopping card with unlimited cash back
bonus 10% cash back
Welcome Bonus
$892.12
First Year Value
$642.12
Annual Value
Welcome Bonus: Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases).
Get this card if you...
-
want to earn cash back faster
-
need comprehensive insurance benefits
-
want a generous welcome offer to maximize rewards
Annual Fee & Annual Interest Rates
$119.88
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The SimplyCash® Preferred Card from American Express is a cash back credit card offering elevated earn rates on eligible gas and grocery purchases in Canada, with a standard rate on all other purchases. Cardholders benefit from a welcome bonus, as well as additional perks such as rental car insurance and travel accident coverage; however, the card carries a monthly fee, and cash back is redeemed annually each September.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
-
Competitive cash back rates: Up to 4% on gas and groceries, and more
-
Refer-a-friend bonus up to $750 annually
-
Extra benefits like rental car insurance and travel accident coverage
-
Manufacturer's warranty doubled on purchases
Cons
-
$9.99/month fee ($119.88 annually)
-
Cash back redeemed annually in September
-
Not all benefits may be relevant to all users
-
Limited to American Express acceptance
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$119.88
Annual Fee
$2.5
Foreign Transaction
$29
Over The Limit Penalty
Rewards cash back
4%
cash back on eligible gas station purchases in Canada
4%
cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)
2%
cash back on all other purchases
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$100,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Plus, earn a $50 statement credit* when you make a purchase in month 13.*
This could add up to $250 in bonus value in your first 13 months.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The SimplyCash® Preferred Card from American Express is a cash back credit card offering elevated earn rates on eligible gas and grocery purchases in Canada, with a standard rate on all other purchases. Cardholders benefit from a welcome bonus, as well as additional perks such as rental car insurance and travel accident coverage; however, the card carries a monthly fee, and cash back is redeemed annually each September.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
-
Competitive cash back rates: Up to 4% on gas and groceries, and more
-
Refer-a-friend bonus up to $750 annually
-
Extra benefits like rental car insurance and travel accident coverage
-
Manufacturer's warranty doubled on purchases
Cons
-
$9.99/month fee ($119.88 annually)
-
Cash back redeemed annually in September
-
Not all benefits may be relevant to all users
-
Limited to American Express acceptance
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$119.88
Annual Fee
$2.5
Foreign Transaction
$29
Over The Limit Penalty
Rewards cash back
4%
cash back on eligible gas station purchases in Canada
4%
cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)
2%
cash back on all other purchases
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$100,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Plus, earn a $50 statement credit* when you make a purchase in month 13.*
This could add up to $250 in bonus value in your first 13 months.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
The SimplyCash® Preferred Card from American Express offers one of the highest cash back rates on the market. If you’re making lots of online purchases, you can’t do much better.
Once the promotional period ends, you’ll still enjoy a stellar earn rate of 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases. This incredible cash back rate combined with the Buyer’s Assurance and Purchase Protection insurance for purchases made with the card make it the best credit card for online shopping. The only downside is that Amex isn’t accepted everywhere (though there is no shortage of partnering retailers).
Key features of the Amex SimplyCash Preferred:
- Welcome bonus: Earn bonus 10% cash back.
- Additional perks: Buyer’s Assurance extends manufacturer’s warranty by up to one additional year; Purchase Protection insurance in the event of damage or theft within 90 days of purchase.
Disclosures:
- Contact American Express for the most up-to-date referral bonus figures.
- Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
Read more: Where is Amex accepted in Canada
Best credit card for online shopping with price protection
up to 30,000 points
Welcome Bonus
$900
First Year Value
$600
Annual Value
Welcome Bonus: Earn up to 30,000 bonus MBNA Rewards Points†† for cash back, gift cards and more. Conditions Apply.
Get this card if you...
-
want to take advantage of high earn rates
-
need comprehensive travel insurance benefits
-
want flexible point redemption
Annual Fee & Annual Interest Rates
$120
Annual Fee
19.99%
Purchase
24.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The MBNA Rewards World Elite® Mastercard® is a premium credit card offering accelerated rewards on categories such as groceries, restaurants, digital media, memberships, and household utilities. It provides flexible redemption options, including travel, merchandise, gift cards, and cash back, along with benefits like a generous welcome bonus, birthday bonus points, and comprehensive insurance coverage.
Eligibility
Good (620 - 670)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
-
High earn rates: Up to 5 points per $1 on groceries, restaurants, digital media, memberships, utilities
-
Generous welcome bonus of up to 30,000 points, covering first-year annual fee
-
Points never expire, flexible redemption options including travel and statement credit
-
Birthday bonus: Up to 15,000 points annually, 10% of points earned in the previous year
-
Comprehensive benefits: Price protection, purchase assurance, extended warranty, travel insurance
Cons
-
High income requirements: $80,000 personal or $150,000 household income
-
Annual fee of $120 after the first year
-
Travel insurance package not as robust as other cards at similar price points
Annual Interest Rates
19.99%
Purchase
24.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards MBNA Rewards
30,000
MBNA offers up to a 30,000-point welcome bonus
5
You get five points‡ per dollar spent on groceries, restaurants, digital media, memberships, and household utilities
1
All other purchases outside those categories earn one point per $1 spent.
Insurance Benefits
$1,000
Mobile device insurance amount
$200,000
Rental car insurance amount
Earn up to 30,000 bonus MBNA Rewards Points†† for cash back, gift cards and more. Conditions Apply.
20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Our Take
The MBNA Rewards World Elite® Mastercard® is a premium credit card offering accelerated rewards on categories such as groceries, restaurants, digital media, memberships, and household utilities. It provides flexible redemption options, including travel, merchandise, gift cards, and cash back, along with benefits like a generous welcome bonus, birthday bonus points, and comprehensive insurance coverage.
Eligibility
Good (620 - 670)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
-
High earn rates: Up to 5 points per $1 on groceries, restaurants, digital media, memberships, utilities
-
Generous welcome bonus of up to 30,000 points, covering first-year annual fee
-
Points never expire, flexible redemption options including travel and statement credit
-
Birthday bonus: Up to 15,000 points annually, 10% of points earned in the previous year
-
Comprehensive benefits: Price protection, purchase assurance, extended warranty, travel insurance
Cons
-
High income requirements: $80,000 personal or $150,000 household income
-
Annual fee of $120 after the first year
-
Travel insurance package not as robust as other cards at similar price points
Annual Interest Rates
19.99%
Purchase
24.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards MBNA Rewards
30,000
MBNA offers up to a 30,000-point welcome bonus
5
You get five points‡ per dollar spent on groceries, restaurants, digital media, memberships, and household utilities
1
All other purchases outside those categories earn one point per $1 spent.
Insurance Benefits
$1,000
Mobile device insurance amount
$200,000
Rental car insurance amount
Earn up to 30,000 bonus MBNA Rewards Points†† for cash back, gift cards and more. Conditions Apply.
20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
The MBNA Rewards World Elite® Mastercard® is one of the few credit cards that offer Price Protection. If you buy something with your card and then find the same item advertised elsewhere at a lower price within 60 days of making your purchase, you can get a refund for the difference, up to $500 per item and up to $1,000 per year. If you’ve ever agonized about getting the best deal when online shopping, you can rest easy with Price Protection knowing you’ll have it no matter what.
Key features:
- Welcome bonus: Earn up to 30,000 bonus MBNA Rewards Points†† for cash back, gift cards and more.
- Additional perks: Get an extra 10% of all the points you accumulate annually‡; Price Protection; Mobile Device Insurance; Purchase Assurance and Extended Warranty.
- Price protection: If you purchase an eligible item with your card and find the same product advertised in Canada at a lower price within 60 days of the purchase, the difference will be refunded subject to a maximum of $500 per item and a calendar year maximum of $1,000 per account. Certain conditions and exclusions apply.
Disclosures:
††, ‡, ✪, ***, ††††, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
Read more: Best loyalty rewards programs in Canada
Best online shopping credit card with no annual fee
5% back
Welcome Bonus
$456
First Year Value
$306
Annual Value
Welcome Bonus: Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
Get this card if you...
-
shop at Amazon.ca or Whole Foods and want cash back rewards
-
want to save on fx fees with rewards on international purchases
-
want no annual fee while still earning great rewards
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Amazon.ca Rewards Mastercard® is a no-annual-fee credit card tailored for frequent Amazon.ca and Whole Foods Market shoppers, offering cash back on eligible purchases. Cardholders can redeem earned rewards as Amazon.ca gift cards, enhancing their shopping experience.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
-
No annual fee
-
Good returns on Amazon.ca, Whole Foods Market stores and foreign currency transactions
-
Competitive welcome bonus
-
Serviceable for regular Costco and No Frills shoppers
Cons
-
Earning maximum rewards requires paying for Amazon Prime
-
Other cards have higher earn rates on non-Amazon.ca purchases
-
Rewards points are only redeemable for Amazon.ca gift cards
-
Relatively few Whole Foods locations in Canada
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$1.5
Foreign Transaction
1.00%
Balance Transfer
Rewards cash back
2.5%
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
1%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
Our Take
The Amazon.ca Rewards Mastercard® is a no-annual-fee credit card tailored for frequent Amazon.ca and Whole Foods Market shoppers, offering cash back on eligible purchases. Cardholders can redeem earned rewards as Amazon.ca gift cards, enhancing their shopping experience.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
-
No annual fee
-
Good returns on Amazon.ca, Whole Foods Market stores and foreign currency transactions
-
Competitive welcome bonus
-
Serviceable for regular Costco and No Frills shoppers
Cons
-
Earning maximum rewards requires paying for Amazon Prime
-
Other cards have higher earn rates on non-Amazon.ca purchases
-
Rewards points are only redeemable for Amazon.ca gift cards
-
Relatively few Whole Foods locations in Canada
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$1.5
Foreign Transaction
1.00%
Balance Transfer
Rewards cash back
2.5%
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
1%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
The MBNA Amazon.ca Rewards Mastercard is one of the few cards in Canada that specifically offers a special cash back rate for online purchases at Amazon.ca.
Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
If you're a Prime Member, you can earn 2.5% cash back you can use towards purchases at Amazon.ca and Whole Foods, plus you'll save on foreign transaction fees.
The Amazon credit card from MBNA also comes with Purchase Protection to the tune of $60,000 per year, ensuring you're protected no matter what life throws at you.
NOTE: This is not a typical cash back credit card, you'll get your cash back in Amazon.ca credits
Key features:
- Impressive rewards at Amazon: Eligible Prime members get 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores.
- Additional perks: Extended warranty insurance, Purchase assurance
Disclosures:
- *Terms and Conditions apply
- ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license
Best credit card for online shopping abroad
$216
First Year Value
$0
Annual Value
Get this card if you...
-
want to avoid paying any foreign transaction fees
-
want straightforward cash back rewards
-
want to a no annual fee rewards card
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
21.99%
Balance Transfer
Our Take
The Home Trust Preferred Visa is a no-annual-fee credit card that offers cash back on all eligible purchases, with no maximum cash back cap. It also waives foreign transaction fees, making it advantageous for international purchases; however, cash back is not earned on transactions in foreign currencies, and the card is not available to residents of Quebec.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
-
No annual fee
-
1% cash back on all purchases with no cap
-
No foreign transaction fees
-
Purchase protection included
-
Ideal for frequent travelers and online shoppers
Cons
-
No cash back on transactions in foreign currency
-
Not available to Quebec residents
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
21.99%
Balance Transfer
Fees
$0
Annual Fee
$0
Foreign Transaction
Rewards cash back
1%
Earn 1% cash back on all purchases with no cap.
Insurance Benefits
$65,000
Rental car insurance amount
Our Take
The Home Trust Preferred Visa is a no-annual-fee credit card that offers cash back on all eligible purchases, with no maximum cash back cap. It also waives foreign transaction fees, making it advantageous for international purchases; however, cash back is not earned on transactions in foreign currencies, and the card is not available to residents of Quebec.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
-
No annual fee
-
1% cash back on all purchases with no cap
-
No foreign transaction fees
-
Purchase protection included
-
Ideal for frequent travelers and online shoppers
Cons
-
No cash back on transactions in foreign currency
-
Not available to Quebec residents
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
21.99%
Balance Transfer
Fees
$0
Annual Fee
$0
Foreign Transaction
Rewards cash back
1%
Earn 1% cash back on all purchases with no cap.
Insurance Benefits
$65,000
Rental car insurance amount
The Home Trust Preferred Visa stands out as one of the few cards with no annual fee offering both cash back and no foreign transaction fees. It also has a low minimum personal income requirement, making it easier to get than some competitors on this list. Earn 1% back on all eligible purchases.
If you frequently make online purchases from US or other international retailers, the Home Trust Preferred Visa is the best card for you. No other no annual fee cash back card waives the transaction fee you would normally pay for purchases in foreign currencies.
Key features:
- Cash back: Earn 1% back on all eligible purchases (foreign transactions are excluded).
- Additional perks: No foreign transaction fees; Purchase Protection insurance in the event of damage or theft within 90 days of purchase.
Disclosures:
- Not available for residents of Quebec
- *Cash advances, balance transfers, interest, fees and foreign transactions (including online purchases in foreign currencies) are not eligible for CashBack Rewards
Best prepaid or debit card for online shopping
$20 sign-up bonus
Welcome Bonus
$0
First Year Value
$0
Annual Value
Welcome Bonus: Get a 30-day free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.
Get this card if you...
-
prefer earning cash back with the flexibility of a prepaid card
-
want to build out your credit history
-
want to track your spending
Annual Fee & Annual Interest Rates
$48
Annual Fee
Our Take
The KOHO Prepaid Mastercard® is a reloadable card paired with a mobile app, offering features such as cash back on purchases, interest on account balances, and budgeting tools to help users manage their finances effectively. It provides options for credit building and has tiered plans to cater to different financial needs, making it a versatile alternative to traditional credit cards.
Eligibility
Poor (up to 299)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
-
A no-fee account option
-
Accepted worldwide, wherever Mastercard is accepted
-
Three account tiers, so there’s something for everyone
-
Earn interest on your account
-
RoundUps feature helps you save
-
Financial coaching is available
-
Features like Credit Building (to help you build your credit history) and Cover (to protect you from overdrawing your account)
-
Compatible with Apple Pay, Samsung or Google Pay
-
Joint account option for families and couples
Cons
-
No physical branches or tellers
-
No RRSP, TFSA or RESP accounts
-
Customer service not on par with the big banks
-
Missing some banking features, like wire transfers, currency exchanges and multiple lines of business like financial planning, mortgages and insurance
Fees
$48
Annual Fee
$1.5
Foreign Transaction
Rewards cash back
1%
cash back on groceries, eating & drinking, and transportation
50%
extra cash back from select merchants
2.5%
interest on both your spending and savings account (Your funds will also be eligible for CDIC insurance)
0%
Get access to a cash advance of up to $250 at 0% interest with Cover.
30-day trial
All KOHO plans come with a free 30-day trial so you can see if it suits you.
Get 30 days of free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.
Only the users who successfully register a new KOHO account and make their first $20 purchase using their KOHO card within 30 days of registration are eligible for the offer and may claim the one-time $20 bonus in their KOHO account. This offer is non-transferable and may only be used once per person. Offer is not applicable in conjunction with other KOHO offers or promotions. KOHO may, at its sole discretion, suspend, terminate or change the terms and requirements of the offer.
Our Take
The KOHO Prepaid Mastercard® is a reloadable card paired with a mobile app, offering features such as cash back on purchases, interest on account balances, and budgeting tools to help users manage their finances effectively. It provides options for credit building and has tiered plans to cater to different financial needs, making it a versatile alternative to traditional credit cards.
Eligibility
Poor (up to 299)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
-
A no-fee account option
-
Accepted worldwide, wherever Mastercard is accepted
-
Three account tiers, so there’s something for everyone
-
Earn interest on your account
-
RoundUps feature helps you save
-
Financial coaching is available
-
Features like Credit Building (to help you build your credit history) and Cover (to protect you from overdrawing your account)
-
Compatible with Apple Pay, Samsung or Google Pay
-
Joint account option for families and couples
Cons
-
No physical branches or tellers
-
No RRSP, TFSA or RESP accounts
-
Customer service not on par with the big banks
-
Missing some banking features, like wire transfers, currency exchanges and multiple lines of business like financial planning, mortgages and insurance
Fees
$48
Annual Fee
$1.5
Foreign Transaction
Rewards cash back
1%
cash back on groceries, eating & drinking, and transportation
50%
extra cash back from select merchants
2.5%
interest on both your spending and savings account (Your funds will also be eligible for CDIC insurance)
0%
Get access to a cash advance of up to $250 at 0% interest with Cover.
30-day trial
All KOHO plans come with a free 30-day trial so you can see if it suits you.
Get 30 days of free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.
Only the users who successfully register a new KOHO account and make their first $20 purchase using their KOHO card within 30 days of registration are eligible for the offer and may claim the one-time $20 bonus in their KOHO account. This offer is non-transferable and may only be used once per person. Offer is not applicable in conjunction with other KOHO offers or promotions. KOHO may, at its sole discretion, suspend, terminate or change the terms and requirements of the offer.
KOHO’s prepaid card offers all the perks of a luxury credit card, but is also an incredible budgeting and savings tool that can help you build credit with responsible use.
If you’re looking for the convenience and ease of a credit card for online shopping, but don’t actually want to apply for credit, KOHO is your best bet. That's because you can’t actually spend more money than you’ve loaded to your KOHO card, you’ll never have to deal with a bill coming later.
Beyond the account and credit-building features, the KOHO debit card also earns impressive rewards:
- Earn 1% cash back on groceries, eating & drinking, and transportation.
- Earn 2.5% interest on both your spending and savings account.
- Earn up to 50% extra cash back from select merchants.
Key features:
- Additional perks: No foreign transaction fees and one free international ATM withdraw per month (both apply for Extra version only).
Best online shopping card for USD
Rogers Red Mastercard®
$60 cash back
Welcome Bonus
$0
First Year Value
$0
Annual Value
Welcome Bonus: Earn $60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months.
Get this card if you...
-
are an existing Rogers customer
-
want to earn cash back on your purchases
-
want exclusive Rogers perks like five free Roam Like Home days
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
Our Take
The Rogers Red Mastercard® is a no-annual-fee credit card offering cash back on all purchases, with elevated rates for Rogers, Fido, or Shaw customers. Cardholders benefit from a straightforward rewards structure and the convenience of redeeming cash back as a statement credit.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
-
2% in unlimited cash back on all purchases for customers of Rogers
-
The ability to earn 3% cash back value when you redeem with Rogers
-
Five free Roam Like Home days are available when you travel
-
The Rogers Bank app lets you rack your rewards so you know where you stand
Cons
-
Best deals are only available to Rogers customers
-
No insurance coverage
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards cash back
2%
Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.
1%
Earn 1% unlimited cash back on eligible non-U.S. dollar purchases
2%
Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars.
1.5x
Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases
5
Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $75 value).
Earn $60 cash back when you sign up and make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service.
Our Take
The Rogers Red Mastercard® is a no-annual-fee credit card offering cash back on all purchases, with elevated rates for Rogers, Fido, or Shaw customers. Cardholders benefit from a straightforward rewards structure and the convenience of redeeming cash back as a statement credit.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
-
2% in unlimited cash back on all purchases for customers of Rogers
-
The ability to earn 3% cash back value when you redeem with Rogers
-
Five free Roam Like Home days are available when you travel
-
The Rogers Bank app lets you rack your rewards so you know where you stand
Cons
-
Best deals are only available to Rogers customers
-
No insurance coverage
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards cash back
2%
Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.
1%
Earn 1% unlimited cash back on eligible non-U.S. dollar purchases
2%
Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars.
1.5x
Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases
5
Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $75 value).
Earn $60 cash back when you sign up and make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service.
The Rogers Red Mastercard is an interesting options thanks to its lack of an annual fee and ability to earn cash back on USD purchases. Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw. Earn 1% unlimited cash back on eligible non-U.S. dollar purchases.
Key features:
- No annual fee: $0 annual fee
- Roaming data: Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $75 value).
- Additional perks: Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $75 value).
Disclosures:
- †Terms and conditions apply. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com.
Honourable mention: credit card for online shopping
$153
First Year Value
$0
Annual Value
Get this card if you...
-
already have a savings account with Neo so you can earn more cash back
-
are a smart shopper who is good at checking for Neo partners to earn more rewards
-
want to avoid paying a high annual fee
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99% - 29.99%
Purchase
22.99% - 31.99%
Cash Advance
Our Take
The Neo Financial Mastercard is a no-annual-fee credit card that offers cash back rewards on everyday purchases, with higher rates available when shopping at participating partners. Cardholders can redeem cash back at any time without minimum balance requirements, and the card is accessible to Canadians nationwide, including Quebec.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Pros
-
No annual fee
-
Cash back rewards on purchases
-
Even more cash back potential with 10,000 Neo partners
Cons
-
Potentially high APR
-
Tiered cash back rates make it harder to unlock max earn rates
Annual Interest Rates
19.99% - 29.99%
Purchase
22.99% - 31.99%
Cash Advance
Fees
$0
Annual Fee
Rewards cash back
Up to 4%
Earn up to 4% cashback on gas and groceries, no matter where you pay for them.
Up to 1%
Earn up to 1% cashback on everything else
Up to 15%
Earn up to 15% cashback at participating partners with new offers added regularly.
Up to 5%
Visit any of Neo's 10,000 partners and earn an additional average of 5% cashback on top of your everyday cashback.
Our Take
The Neo Financial Mastercard is a no-annual-fee credit card that offers cash back rewards on everyday purchases, with higher rates available when shopping at participating partners. Cardholders can redeem cash back at any time without minimum balance requirements, and the card is accessible to Canadians nationwide, including Quebec.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Pros
-
No annual fee
-
Cash back rewards on purchases
-
Even more cash back potential with 10,000 Neo partners
Cons
-
Potentially high APR
-
Tiered cash back rates make it harder to unlock max earn rates
Annual Interest Rates
19.99% - 29.99%
Purchase
22.99% - 31.99%
Cash Advance
Fees
$0
Annual Fee
Rewards cash back
Up to 4%
Earn up to 4% cashback on gas and groceries, no matter where you pay for them.
Up to 1%
Earn up to 1% cashback on everything else
Up to 15%
Earn up to 15% cashback at participating partners with new offers added regularly.
Up to 5%
Visit any of Neo's 10,000 partners and earn an additional average of 5% cashback on top of your everyday cashback.
The Neo Credit Card in Canada offers enticing benefits for online shoppers, with partners like Lululemon.
Earn up to 4% cashback on gas and groceries purchases. Earn up to 1% cash back on everything else.
Key features:
- Additional perks: Incredible app to help you manage your money better.
Disclosures:
- *Terms and Conditions apply.
- ®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
Top tip: Let AI power your fraud protection
Opt for cards with advanced AI-powered fraud detection to protect your online transactions. Canadian credit card issuers are at the forefront of adopting AI-powered fraud detection to protect their customers' online transactions.
The following Canadian banks use machine learning and AI algorithms to help track for potential fraud:
🏋️♀️Who are Canada's biggest online retailers?
Here are the biggest online retailers Canadians should be aware of:
| Retailer | Specialties |
|---|---|
| Amazon | Department store, electronics, groceries, pharmacy, home goods, other services |
| Superstore | Groceries, home goods, electronics |
| Canadian Tire | Home goods, automotive, department store |
| Costco | Wholesale, groceries, electronics, pharmacy |
| Walmart | Department store, electronics, groceries, pharmacy, home goods, other services |
| ASOS | Clothing, home goods |
Choosing the right online store is like picking the perfect dance partner for your credit card. Each of these Canadian faves has its own rhythm:
- 🎵 Amazon's got the beat for... well, everything!
- 🥁 Superstore's drumming up grocery convenience
- 🎸 Canadian Tire's rocking the home and auto scene
- 🎷 Walmart's jazzing up everyday low prices
- 🎺 Costco's blasting big savings on bulk buys
- 🥁 ASOS is your one-stop-shop for the latest threads and trends
When comparing and browsing the best Canadian credit cards for online shopping look out for the following key features:
Rewards
- Cash back: Look for cards that shower you with extra cash back when you click that "Buy Now" button. It's like getting a discount on top of those sweet online deals!
- Points & miles: Some cards are point-scoring machines for online purchases. You can save these points and redeem them later for credits, flights, gift cards and more.
- Shop and save: Keep an eye out for cards with special partnerships. Your favorite online stores might be hiding some extra perks!
Welcome bonuses
- New card, new perks: Many top-notch cards roll out the red carpet for newbies with jaw-dropping sign-up bonuses.
- Free money alert: Want free money? Okay, not exactly free, but pretty close! These bonuses can put a nice chunk of change back in your wallet.
Purchase protection
- Shop without stress: Look for cards that offer purchase protection. It's like a safety net for your online shopping trapeze act!
- Oops-proof shopping: The best cards have your back with protection against damage, loss, or theft of your shiny new purchases.
- Fraud? Not on my card: Zero liability policies mean you're not on the hook for any funny business. Shop with peace of mind, friend!
By choosing the right credit card, you're not just buying stuff; you're earning rewards, protecting your purchases, and maybe even scoring some sweet bonuses along the way. It's like turning your everyday spending into a treasure hunt!
Pros and cons of online shopping credit cards
Pros
-
Rewards, rewards, rewards: Many credit cards offer cashback, points, or miles for your online purchases, making them ideal for maximizing rewards and saving money
-
Fraud and purchase protection: Credit cards are your financial bodyguard in the wild west of the internet. If someone gets their sticky virtual fingers on your card info, you're usually not on the hook for unauthorized charges
-
Convenience: No need to enter your bank details every time you shop. Just click, buy, and you're done. It's shopping at the speed of light (and on your terms)
Cons
-
Interest charges: If you don't pay off your balance in full each month, those interest rates can bite
-
Annual fees: Some rewards cards come with hefty annual fees. You've got to do the math to see if the perks outweigh the cost
-
Potential security risks: While credit cards offer protection, using them online still exposes you to potential fraud
Top tip: Price protection
Some cards offer price protection. If you find a lower price after purchase, you might be eligible for a refund of the difference.
Sadly, price protection is becoming as rare as a unicorn sighting in the Great White North, but some American Express cards (and select Mastercard credit cards) still offer price protection on some premium cards.
Summary of the best credit cards for online shopping
| Online shopping credit cards | Annual fee + Shopping perk | Get started |
|---|---|---|
| American Express SimplyCash® Preferred Card |
Annual fee: $$9.99 per month. Additional cards are free.
(Equals a total fee of $119.88 annually) Shopping perk: Base earn rate of 2% cash back has no limit on the amount you can earn |
Apply now |
| MBNA Rewards World Elite® Mastercard® |
Annual fee:
Shopping perk: Price protection |
Apply now |
| Amazon Mastercard |
Annual fee: $0
Shopping perk: Unlimited cash back, or with Prime membership, get 2.5% back at Amazon.ca and no foreign currency exchange |
Apply now |
| Home Trust Preferred Visa |
Annual fee: $0
Shopping perk: No foreign transaction fees and 1% back on all eligible purchases |
Apply now |
| KOHO |
Annual fee: $48
Shopping perk: Earn extra cash back at partnered merchants like Altitude sports, Branch furniture and Well.ca |
Apply now |
| Neo Credit card |
Annual fee: $0
Shopping perk: Earn extra cash back from retail partners like Amazon, Roots and Lululemon |
Apply now |
| Rogers Red Mastercard |
Annual fee: $0
Shopping perk: 2% back on all eligible non-U.S. dollar purchases for eligible Rogers customers |
Apply now |
Final word
Though there are many ways to save when you shop online, finding the right credit card that will serve your personal spending habits is a big part of that! Where you shop online and what you buy will determine whether you need a card with no foreign transaction fees or an extended warranty benefit. Personal preferences, like whether you want cash back or rewards points, will also influence your decision. Don’t dismiss cards with annual fees if they provide enough additional benefits to make up for the cost.
FAQs
Sources
Bridget Casey is the award-winning entrepreneur behind Money After Graduation, a Canadian financial literacy website aimed at 20 and 30-somethings. She holds a BSc. from the University of Alberta, and an MBA in Finance from the University of Calgary. She has been featured as a millennial financial expert by Yahoo! Finance, TIME Magazine, Business Insider, CBC and BNN. Bridget was recognized as one of Alberta's Top Young Innovators in 2016.
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Disclaimer
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†Terms and Conditions apply.