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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.

  1. #1
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  2. #2
    American Express
    4x points on online shopping
    U.S. online retail purchases
    2.0%4x points
  3. #3
    Robinhood
    3% flat-rate cashback
    3%
  4. #4
    American Express
    2% flat-rate cashback
    2%
  5. #5
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  6. #6
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  7. #7
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  8. #8
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  9. #9
    U.S. Bank
    2% flat-rate cashback
    2%
  10. #10
    Wells Fargo
    2% flat-rate cashback
    2%
  11. #11
    Wells Fargo
    2% flat-rate cashback
    2%

Last updated May 17, 2026