With online shopping dominating retail, choosing the right credit card can dramatically boost your annual point earnings. 以下是 a comparison of the best credit cards for online shopping in 夏季 2026.

Rakuten Card: Essential for Rakuten Ichiba Users

The Rakuten Card boosts your point return on Rakuten Ichiba purchases. Standard earning is 1% back, but paying with the Rakuten Card adds another 1%. During Super Sale periods, the SPU (Super Point-Up) program can push returns to 16x or more. The card is free forever and quick to issue.

Amazon Mastercard: A Must for Amazon Shoppers

Frequent Amazon shoppers get the most from the Amazon Mastercard. It returns up to 2.5% on Amazon purchases, with Prime members earning an additional 1.5%. Combined with Point-Up campaigns during Prime Day and Black Friday, the effective return is among the highest available. Annual fee is also permanently free.

Sumitomo Mitsui Card (NL): The Versatile Choice

The SMBC Card (NL) performs well both online and in physical stores. Contactless 支付 at convenience stores and family 餐廳 earn up to 7% back. Online shopping campaigns also offer solid point-earning opportunities. The numberless design adds security.

How to Choose

Your ideal card depends on your shopping habits. Use the Rakuten Card if you 商店 on Rakuten Ichiba, Amazon Mastercard for Amazon, and SMBC Card (NL) for balanced use. Carrying two cards lets you optimize for each platform.

Pick the right card and make every online purchase more rewarding.