Best Credit Cards for Online Shopping in the UK: Safe, Rewarding & Cost-Effective Options
- Jamie Reid - Credit, Loans & Everyday Money Writer
- Feb 20
- 5 min read
Updated: Apr 8
Online shopping has become second nature for many of us — from everyday groceries and fashion to big-ticket electronics and holiday bookings. But are you using the right credit card to shop online?
Choosing the right credit card for online purchases can give you purchase protection, cashback, rewards, and added security — all at no extra cost when used correctly. Whether you're a frequent Amazon buyer or just want a safer way to shop online, the right credit card can save money and offer peace of mind.
This guide breaks down the best credit cards for online shopping in the UK, what features to look for, and how to use them responsibly to maximise your benefits.
Why Use a Credit Card for Online Shopping?
Paying by credit card online offers several key advantages over using a debit card:
Section 75 Protection
Under Section 75 of the Consumer Credit Act, your credit card provider is jointly liable with the retailer if something goes wrong — for example, if the item never arrives or is faulty and the seller won’t resolve the issue. This protection applies to purchases between £100 and £30,000, even if you only paid part of it by credit card.
Fraud Protection
Most UK credit card providers offer zero liability fraud protection, meaning you won’t be left out of pocket if your card is used fraudulently.
Cashback and Rewards
Many cards offer cashback, air miles, or loyalty points for every pound you spend — even online.
Delayed Payment
Credit cards offer up to 56 days interest-free credit if you pay off your balance in full each month, helping you manage short-term cash flow.
What to Look for in a Credit Card for Online Shopping
Before applying for a credit card, consider the features that best suit your shopping habits:
No foreign transaction fees – Ideal if you shop on international websites.
Purchase protection – A must-have for online transactions.
Cashback or rewards – Look for cards that give something back for spending.
Low or 0% interest – Useful if you need time to pay off a large online purchase.
App features and security controls – Helps manage your account and lock cards if needed.
Best Credit Cards for Online Shopping in the UK
Here are some of the top-performing credit cards tailored to online shoppers — whether you want rewards, security, or flexibility.
1. American Express Platinum Cashback Everyday
Best for: Regular online spenders who always pay in full.
Key Features:
Up to 5% cashback in the first 3 months (capped), then up to 1% ongoing.
No annual fee.
Real-time fraud alerts and secure app management.
Considerations:
Not all retailers accept Amex (though acceptance is growing in the UK).
Cashback only applies if you meet minimum annual spending thresholds.
2. Barclaycard Rewards Card
Best for: Fee-free international online shopping.
Benefits:
No foreign transaction fees on overseas websites.
0.25% cashback on all spend.
Section 75 and contactless protection included.
Access to Barclaycard’s online fraud guarantee.
Unique Angle: If you regularly shop with international sites (e.g., AliExpress, Etsy sellers abroad, or US stores), this card avoids the common 2.99% FX fee.
3. Chase Bank UK Debit Card
Yes, a debit card — but one that acts like a cashback credit card.
Why It’s Here:
1% cashback on all purchases for 12 months (including online).
Real-time spending notifications and app-based card control.
Built-in rewards with no need for a credit check.
Important: Although it’s a debit card, Chase’s cashback and security features rival many credit cards — making it ideal for cautious shoppers.
Read our guide on: Best UK Cashback Sites
4. Tesco Bank Clubcard Credit Card
Best for: Clubcard holders and Tesco online shoppers.
Perks:
Earn Clubcard points on all spend (not just Tesco).
Convert points into vouchers or rewards partners (e.g., restaurants, travel).
Online account management and optional balance transfer options.
Loyalty Tip: Tesco shoppers can rack up extra rewards when combining Clubcard points from shopping and card use.
5. Halifax Clarity Credit Card
Best for: International online shopping and travel.
Key Benefits:
No foreign transaction fees.
Fair exchange rates (Mastercard).
Widely accepted and trusted in the UK.
Use Case: Great if you buy from global e-commerce sites or travel often and want a dual-use card.
6. Capital One Classic Credit Card
Best for: Those building or rebuilding their credit score.
Features:
Credit limit increases with responsible use.
Purchase protection included.
Works with online payments like PayPal and Apple Pay.
Note: Higher APR — not for carrying balances. Pay in full to avoid interest.
Responsible Use: How to Maximise Your Credit Card Benefits
A credit card can be a great tool — but only if used correctly. Follow these golden rules:
1. Always pay in full each month
This avoids interest charges and helps build a good credit score.
2. Never exceed your limit
This can harm your credit score and lead to declined transactions.
3. Set up a Direct Debit
Ensure you never miss a payment by setting up an automatic full balance payment.
4. Check your statement regularly
Watch for unauthorised transactions or forgotten subscriptions.
Read our guide on: How to Improve Your Credit Score in the UK
A Unique Tip: Use a Dedicated Card for Online Purchases Only
Consider using one credit card exclusively for online purchases. This adds a layer of fraud protection and makes it easier to monitor for unusual activity.
Keep the credit limit low for peace of mind.
If compromised, your main finances aren’t affected.
Easier to track spending habits and manage your budget.
FAQs
Is it safer to shop online with a credit card or debit card?
Credit cards offer stronger protection under Section 75, making them safer for large or risky online purchases.
Can I earn cashback when shopping online with a credit card?
Yes — many cards offer cashback or points on all spend, including online purchases.
Does using a credit card for online shopping affect my credit score?
It can positively impact your score if you use the card regularly and pay off the full balance on time.
What’s the best credit card for online shopping outside the UK?
The Barclaycard Rewards and Halifax Clarity cards are top picks due to no foreign transaction fees and fair exchange rates.
Can I use a credit card to shop online internationally?
Yes — just watch for fees. Many UK cards charge a 2.99% foreign exchange fee, so choose a card that waives this if you shop abroad regularly.
Final Thoughts
The best credit card for online shopping isn’t just about cashback — it’s about security, flexibility, and using the card responsibly. With Section 75 protection, better fraud support, and valuable rewards, the right card can make every online purchase smarter and safer.
Start by choosing the card that fits your spending habits — whether that’s cashback, loyalty points, or global fee-free shopping — and remember to always pay in full to avoid interest. Used wisely, a credit card becomes not just a payment method, but a financial tool that adds value every time you shop.
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Please note: All content on SmartWithMoney.co.uk is for informational purposes only and does not constitute financial advice. Always seek guidance from a qualified financial adviser before making any financial decisions.
