11 cards ranked
Best credit card to use at Shein.
Online Shopping
Shein is a Singapore-headquartered fast-fashion retailer that sells direct to U.S. consumers, mostly shipped from China and other manufacturing hubs. The model is built on extremely fast trend cycles, low prices, and a constant churn of new SKUs. Shein purchases code as online shopping for credit card networks, so any online-shopping category bonus card will earn its multiplier. There is no Shein co-brand credit card, so the best play is a general 3-5x online-shopping rewards card or a rotating-bonus card during an online-shopping quarter.
Picks without a tag earn at Shein both in-store and online. Watch for theOnline onlytag — those bonuses only apply on shein.com.
- #1Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #2Hilton Honors American Express SurpassOnline onlyAmerican Express4x points on online shoppingU.S. online retail purchases2.0%4x points
- #33%
- #42%
- #52%
- #6First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #7Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #8American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #92%
- #102%
- #112%
Last updated May 17, 2026