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
   
   Bank of America Cash Rewards SecuredOnline onlyif you select it

   Bank of America

   3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

   3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
   3%
2. #2
   
   Bank of America Customized Cash RewardsOnline onlyif you select it

   Bank of America

   3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

   3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
   3%
3. #3
   
   Blue Cash EverydayOnline only

   American Express

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

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

   Robinhood

   3% flat-rate cashback
   3%
5. #5
   
   Hilton Honors American Express SurpassOnline only

   American Express

   4x points on online shopping

   Eligible U.S. online retail purchases
   2.0%4x points
6. #6
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
7. #7
   
   Capital One Spark Cash Plus

   Capital One

   2% flat-rate cashback
   2%
8. #8
   
   Citi Double Cash

   Citi

   2% flat-rate cashback

   1% when you buy, 1% when you pay
   2%
9. #9
   
   Coinbase One

   First Electronic Bank

   2% flat-rate cashback

   Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
   2%
10. #10
    
    Fidelity Rewards Visa Signature

    Elan Financial Services

    2% flat-rate cashback

    When deposited into an eligible Fidelity account
    2%
11. #11
    
    Graphite Business Cash Unlimited

    American Express

    2% flat-rate cashback

    Unlimited 2% cash back on eligible purchases
    2%
12. #12
    
    Ink Business Premier

    Chase

    2% flat-rate cashback

    2.5% on purchases of $5,000 or more per transaction
    2%
13. #13
    
    Intuit Business

    WebBank

    2% flat-rate cashback
    2%
14. #14
    
    Navy Federal cashRewards Plus

    Navy Federal

    2% flat-rate cashback

    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
15. #15
    
    PenFed Power Cash Rewards Visa Signature

    PenFed Credit Union

    2% flat-rate cashback

    2% with PenFed Honors Advantage (current or former military, or a PenFed Access America checking account); 1.5% otherwise
    2%
16. #16
    
    PNC Cash Unlimited

    PNC

    2% flat-rate cashback
    2%
17. #17
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%
18. #18
    
    TD Double Up

    TD Bank

    2% flat-rate cashback

    Earns 2 points per dollar; 1 point is worth 1 cent, with a 2,500 point minimum to redeem as a statement credit or a deposit to a TD checking or savings account
    2%
19. #19
    
    Truist Business Premium

    Truist

    2% flat-rate cashback
    2%
20. #20
    
    Wells Fargo Active 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 August 10, 2026