Best UK credit cards for online shopping: Top 6 picks in 2025

Online shopping is more common than ever, but not all credit cards are created equal. Whether you are looking for cashback, added security or no fees on international purchases, the right card can help you save money while you spend.

In this guide, we’ve reviewed six options that could help you find the best credit card for online shopping in the UK. We’ll cover their key features, monthly fees and main benefits to help you choose the one that suits your spending habits.

We’ll also show you a helpful alternative, the Wise card from the money services provider Wise. It’s not a credit card but a debit card linked to your Wise account. You can use it for spending in 40+ currencies, automatically converting your pounds at the mid-market exchange rate. There’s only a tiny, transparent conversion fee*, or none if you already hold the local currency in your Wise account.

🔎 Learn more about the Wise card

The 6 best UK credit cards for online shopping – Overview

With so many credit cards available that are suitable for online shopping, finding the right one to match your needs can be challenging. To make the decision easier, we have compiled a list of some of the best choices, organised by APR:

Virgin Atlantic Everyday Cashback Credit Card

If you enjoy both online shopping and flying with Virgin Atlantic, the Virgin Atlantic Everyday Cashback card could be a good fit. Each time you spend, you earn Virgin points, which can be exchanged for a range of rewards.¹

You’ll earn 0.75 Virgin Points for every £1 you spend and 1.5 points for every £1 spent with Virgin Atlantic or Virgin Holidays. Plus, if you make a purchase within the first 90 days of getting the card, you’ll receive 3,000 bonus points.¹

There’s no annual fee, making this a simple way to earn rewards while you shop and save for future travels. The representative APR is 26.9% (variable), based on a credit limit of £1,200, though your actual limit will depend on your circumstances.¹

You can check your eligibility and apply online at the Virgin Money website.¹

Amazon Barclaycard Credit Card

The Amazon Barclaycard is a strong choice for frequent Amazon shoppers, offering rewards both on Amazon purchases and everyday spending. You’ll earn 1% back on Amazon spending and 0.5% back on everything else for the first 12 months. After that, the rate on non-Amazon purchases drops to 0.25%.²

Amazon Prime members can also earn up to 2% back during promotional events such as Prime Day. Once your rewards balance reaches £5, you can convert it to an Amazon gift card. You’ll also get a £40 Amazon gift card if your application is approved.²

The card has no annual fee and offers 0% interest on purchases for the first six months, which can be useful if you're planning larger buys early on. With a representative APR of 28.9% (variable) based on a credit limit of £1,200, this card is a good option for anyone looking to earn Amazon credit on their regular spending.²

Barclaycard Rewards Credit Card

The Barclaycard Rewards Card offers 0.25% cashback from your purchases. It has a representative APR of 28.9% (variable), based on a credit limit of £1,200.³

Purchases over £100 are covered under purchase protection, so you may be eligible for a refund if something goes wrong. The card also includes fraud protection to help keep your account safe from unauthorised use.³

This card has no annual fee and doesn’t charge foreign transaction fees when you shop on international websites, making it a strong choice for online purchases abroad.³

American Express Cashback Everyday Credit Card

The American Express Cashback Everyday card is another fee-free credit card that works well for online shopping. It comes with a representative APR of 29.7% (variable), based on an assumed credit limit of £1,200.⁴

You’ll earn 5% cashback on purchases within the first five months, up to a maximum of £125. When the introductory period passes, you’ll get 0.5% cashback on spend up to £10,000 per year. If you spend more than £10,000 annually, the cashback rate increases to 1%, with no cap on how much cashback you can earn in total.⁴

NatWest Reward Credit Card

NatWest’s Reward credit card offers a way to earn cashback on your regular spending, including purchases made online. You’ll get 1% back at supermarkets and 0.25% back on all other purchases, with some retailers offering up to 15% cashback through personalised monthly offers.⁵

The card has an annual fee of £24, but this is refunded if you already have a NatWest Reward current account. Cashback can be redeemed as a bank transfer, gift card or charitable donation, giving you a few flexible ways to use your rewards.⁵

The card comes with a representative APR of 31.0% variable, based on a credit limit of £1,200.⁵

American Express Preferred Rewards Gold Credit Card

If you prefer earning rewards points instead of direct cashback, this may be your best credit card for online shopping. The American Express Preferred Rewards Gold credit card lets you earn one Membership Rewards point for every £1 you spend, with higher rates available for travel purchases.⁶

A welcome bonus of 40,000 Membership Rewards is available when you spend £5,000 in the first six months of having the card. On top of this, you can earn up 2,500 bonus points every time you spend £5,000, up to five times a year.⁶

You also get purchase and refund protection, which can help if something goes wrong with an order.⁶

There is no annual fee for the first year. From the second year onward, the card costs £195. The representative APR is 86.8% (variable), based on an assumed credit limit of £1,200.⁶

Top online shopping benefits and perks to look for in a credit card

If you’re unsure what to look for in the best credit card for online shopping, here are some important features to consider:

• Low fees
• No foreign transaction fees for international shopping
• Cashback or rewards on spending
• Purchase and fraud protection
• Virtual cards for safer online payments

Online shopping made easy with the Wise card

Looking for a reliable way to shop online without high fees? The Wise card could be just what you need. It isn’t a credit card, but is a great option for low-cost spending.

Open a Wise account online and you can order the Wise card for a one-time fee of £7. You can use this clever card to spend in 40+ currencies. It automatically converts your pounds to the local currency at the mid-market exchange rate, only adding a small, transparent conversion fee*, or no fee at all if you already have the local currency in your Wise account.

You can also get the Wise virtual card for free, which adds another layer of security to your online shopping. Your global virtual card number is different from your physical Wise card number, plus you can freeze your virtual card after each purchase to keep your details safe.

✅ Sign up with Wise for free

Sources used:

Sources last checked on date: 25-Sep-2025