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Best Credit Card for eBay in 2026
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Editor's Pick
Best Credit Card for eBay
For regular eBay shoppers, the Blue Cash Everyday® Card from American Express is our top pick. It earns 3% cash back on U.S. online retail purchases, on up to $6,000 per year (then 1%), which can cover eBay orders depending on how the purchase is processed.
Top Cards
Blue Cash Everyday® Card from American Express
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Why We Picked It
- The card earns 3% cash back in three categories: U.S. online retail purchases, U.S. supermarkets, and U.S. gas stations, each on up to $6,000 per year in purchases (then 1%). All other eligible purchases earn 1%.
- The 3% rate on U.S. online retail can make it a good fit even for occasional eBay shoppers. American Express determines which purchases qualify as U.S. online retail, so check your statement to confirm how your eBay orders code.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Chase Freedom Flex®
The Chase Freedom Flex® earns 5% cash back on up to $1,500 in combined purchases each quarter in rotating bonus categories you activate (then 1%), plus 5% on travel booked through Chase Travel℠, 3% on dining and drugstores, and 1% on everything else. It has no annual fee.
Why We Picked It
- When a quarter's bonus categories line up with how you pay on eBay, the 5% rate beats most cards. Check the calendar and activate each quarter.
- Outside the bonus categories, eBay purchases earn 1%, so it works best paired with a stronger everyday card.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® earns 1.5% cash back on purchases outside its bonus categories, which covers eBay orders. It also earns 3% on dining and drugstores and 5% on travel booked through Chase Travel℠, with no annual fee.
Why We Picked It
- You get a steady rate on every eBay order without tracking categories or caps.
- There is no annual fee, so the card can earn rewards on everything you buy outside other cards' bonus categories.
Other Options to Consider
Bank of America® Customized Cash Rewards Credit Card
The Bank of America® Customized Cash Rewards Credit Card lets you choose a 3% category, and online shopping is one of the options. In the first year, the choice category earns 6%. You also earn 2% at grocery stores and wholesale clubs, on the first $2,500 in combined choice category and grocery purchases each quarter (then 1%), and 1% on everything else.
There's no annual fee, and you can change your choice category, which is useful if your eBay spending is seasonal.
How to Choose a Credit Card for Online Marketplace Shopping
The right card for eBay depends on how often you buy, what you buy, and whether you want to manage categories. A big welcome offer is nice, but ongoing rewards and protections matter more if you shop on eBay all year.
Key Factors
- Rewards on online shopping: Look for a card with a bonus rate on online retail or online shopping, and note any annual cap.
- Purchase protections: Benefits like purchase protection and extended warranty vary by card. Check your card's benefits guide before a big purchase.
- Annual fee: If you shop on eBay occasionally, a no-annual-fee card usually makes the most sense.
- Redemption: Simple cash back is easy to use. Points can be worth more if you redeem them well.
Decision Guide for eBay Shoppers
- If you buy on eBay often, a card with a bonus rate on U.S. online retail or online shopping usually earns the most.
- If you want simplicity, a flat-rate card earns the same on every order with no tracking.
- If you like optimizing, a rotating or choice category card can pay more in the right quarter.
- If you're buying something expensive, check your card's purchase protection and extended warranty terms before you pay.
How to Earn More on Every Order
- Start from a shopping portal. Clicking through a cash back or points portal before you shop can earn rewards on top of your card's rate.
- Activate quarterly categories. Rotating categories only pay the bonus rate after you activate them.
- Check card-linked offers. Look in your card's offers section for eBay deals and add them before you check out.
- Redeem carefully. Pay-with-points options at checkout can offer lower value than a statement credit or other redemptions.
Let Kudos Pick the Card
Kudos is a free browser extension and app that recommends which card in your wallet to use at checkout, so you don't have to remember category rules. Our roundup of the best credit cards for online shopping covers more options, and Kudos Boost can add extra rewards at participating merchants.
With Kudos Premium, Kudos Boost earns 1.25x the standard rate on eligible purchases at more than 15,000 partner stores, so a 10% Boost becomes 12.5%, and that includes Flash Boost and Deal of the Day. Just activate Boost before you check out.
Other Things to Consider
eBay's Money Back Guarantee covers eligible items that don't arrive or aren't as described, as long as you pay through eBay checkout. eBay says you can't pursue the same issue through another method, such as a credit card chargeback, so decide which route to use before you file.
As with any card, pay your balance in full. Interest charges cancel out rewards quickly, and a high balance can lower your credit score.
Our Methodology
We compare cards from across the U.S. market, including many from issuers that don't pay Kudos. For this guide, we focused on rewards rates that apply to online shopping, annual fees, and how easy each card is to use for eBay purchases.
You can browse the full set of cards yourself in the Kudos Explore tool and filter by what matters to you.
Frequently Asked Questions
Can I earn bonus rewards on eBay purchases?
Yes, with a card that offers a bonus on online retail or online shopping, or a rotating category that covers your purchase that quarter. A flat-rate card earns its standard rate on every order.
Does eBay count as online shopping for credit card rewards?
It often does, but each issuer decides based on how the merchant codes the transaction. Check your statement or rewards activity after your first order.
Are there credit cards for eBay sellers?
Sellers can use a business credit card to keep business expenses separate. Look for bonus rates on categories you spend the most on, such as shipping or advertising.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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