Best card for online retail, honestly

No invented "average spender": where the best card for online retail actually changes as your spending grows — caps, annual fees, and earning rates measured against a flat 2% cash-back baseline, counting only cards you can get today.

What counts as online retail: Shopping online at retail sites — a bucket only a handful of cards bonus.

Who wins, by annual online retail spend

Up to $6,000/yr: Blue Cash Everyday Card from American Express — 3% cash back; Bank of America Customized Cash Rewards — 3% cash back
Over $6,000/yr: Bank of America Customized Cash Rewards — 3% cash back

Every card that beats a flat 2% card on online retail

Blue Cash Everyday Card from American Express — 3% cash back, capped at $6,000/yr, no annual fee; wins $0–$6,000/yr
Bank of America Customized Cash Rewards — 3% cash back, capped at $10,000/yr, no annual fee; wins over $0/yr

Rates only — statement credits and perks are deliberately not counted here. They depend on how you'd actually use them, and each card's page asks those questions before adding a cent.

Best card for: Dining · Groceries · Flights · Hotels · Other travel · Everything else · Gas & EV charging · Streaming · Internet, phone & cable · Transit & rideshare · Drugstores

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