Best credit card to use at Microsoft Store.

Picks without a tag earn at Microsoft Store both in-store and online. Watch for theOnline onlytag — those bonuses only apply on microsoft.com.

1. #1
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
2. #2
   
   Hilton Honors American Express SurpassOnline only

   American Express

   4x points on online shopping

   U.S. online retail purchases
   2.0%4x points
3. #3
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
4. #4
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
5. #5
   
   Citi Double Cash

   Citi

   2% flat-rate cashback

   1% when you buy, 1% when you pay
   2%
6. #6
   
   Coinbase One

   First Electronic Bank

   2% flat-rate cashback

   Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
   2%
7. #7
   
   Fidelity Rewards Visa Signature

   Elan Financial Services

   2% flat-rate cashback

   When deposited into an eligible Fidelity account
   2%
8. #8
   
   Graphite Business Cash Unlimited

   American Express

   2% flat-rate cashback

   Unlimited 2% cash back on eligible purchases
   2%
9. #9
   
   Smartly Visa Signature

   U.S. Bank

   2% flat-rate cashback
   2%
10. #10
    
    Wells Fargo Active Cash

    Wells Fargo

    2% flat-rate cashback
    2%
11. #11
    
    Wells Fargo Signify Business Cash

    Wells Fargo

    2% flat-rate cashback
    2%

Cards with online shopping bonuses can deliver strong returns on Surface and Xbox purchases. The Bank of America Customized Cash, U.S. Bank Cash+, and Chase Freedom Flex rotating quarters can all push these orders to 5 percent back. Microsoft 365 and Xbox Game Pass recurring subscriptions may code as software or streaming services, which can trigger streaming category bonuses on cards like the Amex Blue Cash Preferred.

Last updated May 17, 2026