Amex Blue Cash vs Chase Freedom vs Discover it Cash Back: US 2026

The short answer

For US online shoppers in September 2026, the three highest-earning general online shopping cards are American Express Blue Cash Everyday (3% on US online retail purchases up to $6,000 per year), Chase Freedom Flex (5% quarterly rotating categories often including Amazon, PayPal, and Walmart.com), and Discover it Cash Back (5% quarterly rotating with Cashback Match first-year doubling). Card earning is separate from ShopBack: go through ShopBack before you pay at Walmart, Target, Best Buy and other ShopBack US stores so part of the cost comes back, and your card still earns as usual.

Important 2026 change: Citi Custom Cash closed to new applications on 28 May 2026 and is no longer a live option for new applicants. Existing Custom Cash cardholders continue earning; new applicants should consider Discover it Cash Back, US Bank Cash+, or Chase Freedom Flex as replacements.

The one-line verdict: for year-one Discover applicants, Discover it Cash Back with Cashback Match doubles all earning in the first 12 months, making it the highest-value single card for a first-year online shopper. For year-two-plus and beyond, Amex Blue Cash Everyday's 3% general US online retail category is the broadest match to typical online shopping (Amazon, Walmart, Target, Best Buy, Nike, Nordstrom all qualify) at no annual fee. Chase Freedom Flex adds 5% on rotating quarters that typically include Amazon, PayPal, and Walmart at high-value online shopping windows.

The optimal 3-card stack for a US online shopping household: Amex Blue Cash Everyday for 3% baseline everywhere online + Chase Freedom Flex for 5% rotating quarters + Discover it Cash Back for first-year Cashback Match doubling. All three are no-annual-fee. Combined earning on $6,000-$10,000 annual online spend: $300-$500 depending on category timing and Cashback Match year.

ShopBack is the US Cashback and rewards platform. When you go through ShopBack before you pay at Best Buy, Walmart, Target, Nike, Sephora, Ulta, Macy's, or hundreds of other US retailers, part of the cost comes back and your credit card still earns as usual; check the live rate on each store's ShopBack page. Sign up at shopback.com/signup.

Shop Walmart via ShopBack Your card still earns when you go through ShopBack at Walmart

The three cards head-to-head

American Express Blue Cash Everyday

Issuer: American Express. Annual fee: $0. Foreign transaction fee: 2.7%. Minimum credit score: 690+ (good to excellent).

Earning structure:

• 3% back on US online retail purchases (first $6,000 per calendar year, then 1%)
• 3% back on US supermarkets (first $6,000 per calendar year, then 1%)
• 3% back on US gas stations (first $6,000 per calendar year, then 1%)
• 1% back on all other purchases

Welcome offer (typical): $200 statement credit after spending $2,000 in first 6 months.

Redemption: Cashback issued as Reward Dollars; 1:1 dollar value redemption as statement credit.

Amex's online retail definition is broad and includes Amazon, Walmart.com, Target.com, Best Buy.com, Nordstrom.com, Macy's.com, Sephora.com, Ulta.com, Nike.com, Adidas.com, Wayfair, Etsy, eBay, and hundreds of other US-based online retailers that code to online retail merchant category.

Blue Cash Everyday is the "sibling" card to Blue Cash Preferred ($95 fee, 6% supermarkets). If you shop online more than $3,000 per year AND spend under $3,167 on US supermarkets, Blue Cash Everyday is often the better fit because it captures 3% online retail (not offered on Blue Cash Preferred) with no annual fee.

Chase Freedom Flex

Issuer: Chase. Annual fee: $0. Foreign transaction fee: 3%. Minimum credit score: 670+ (good). Chase 5/24 rule applies.

Earning structure:

• 5% back on quarterly rotating bonus categories on first $1,500 per quarter (activation required)
• 5% back on Chase Travel Portal bookings
• 3% back on dining (restaurants, takeout, delivery)
• 3% back on drugstores (CVS, Walgreens)
• 1% back on all other purchases

Welcome offer (typical): $200-$300 bonus after spending $500 in first 3 months.

Redemption: Chase Ultimate Rewards points at 1 cent per point as Cashback. If you also hold Chase Sapphire Preferred ($95 fee) or Sapphire Reserve, transfer Freedom Flex points to Sapphire for access to Chase's 12+ transfer partners.

2026 typical quarterly online-shopping-relevant rotations:

• Q1 (Jan-Mar): grocery stores, fitness clubs, gym memberships
• Q2 (Apr-Jun): grocery stores, Amazon.com, streaming services
• Q3 (Jul-Sep): gas stations, automotive
• Q4 (Oct-Dec): PayPal, Walmart.com, department stores (typically holiday shopping-focused)

Amazon Q2 and Walmart/PayPal Q4 are the highest-value online shopping quarters for Freedom Flex holders.

Discover it Cash Back

Issuer: Discover Financial. Annual fee: $0. Foreign transaction fee: 0% (unusual, no foreign transaction fee). Minimum credit score: 670+ (good).

Earning structure:

• 5% back on quarterly rotating categories on first $1,500 per quarter (activation required)
• 1% back on all other purchases

Welcome offer: Discover Cashback Match matches all Cashback earned in the first 12 months (12 statements). Effective 10% on 5% quarterly categories year one.

Redemption: Cashback issued as statement credit or check; 1:1 dollar value.

Discover 2026 typical quarterly online-shopping-relevant rotations:

• Q1 (Jan-Mar): grocery stores, drugstores, select streaming
• Q2 (Apr-Jun): gas stations, digital wallets (Apple Pay, Google Pay, Samsung Pay, PayPal)
• Q3 (Jul-Sep): restaurants, Target
• Q4 (Oct-Dec): Amazon.com, Target, digital wallets

Amazon Q4 and Target Q3/Q4 are the highest-value online shopping quarters for Discover it Cash Back holders.

Discover it Cash Back is often the best value single card for a first-year applicant because Cashback Match effectively doubles all earning in year one.

Citi Custom Cash: closed to new applications 28 May 2026

Citi Custom Cash was previously a strong 5% choose-your-own category card. As of 28 May 2026, Citi closed the card to new applications. Existing cardholders continue earning 5% on their top eligible spending category each cycle up to $500 (max $25 Cashback per cycle). New applicants should consider:

• Discover it Cash Back (5% rotating quarterly + first-year Cashback Match)
• US Bank Cash+ (choose 2 of 12 5% categories, $2,000 quarterly combined cap)
• Chase Freedom Flex (5% rotating quarterly)

These are the three viable replacements for Custom Cash's category-focused earning.

The annual dollar math for a $6,000 online shopping household

Assume $500 per month online across a mix of Amazon, Walmart.com, Target.com, Best Buy, Nike, Sephora = $6,000 per year.

Amex Blue Cash Everyday

$6,000 US online retail x 3% = $180 No annual fee = $180 net

Chase Freedom Flex (with typical 2026 quarterly activation)

• Q2 Amazon $1,500 x 5% = $75
• Q4 PayPal/Walmart $1,500 x 5% = $75
• Off-quarter online $3,000 x 1% = $30
• Total gross: $180 net (no fee)

Discover it Cash Back year one (with Cashback Match)

• Q4 Amazon $1,500 x 5% = $75
• Q3 Target $1,500 x 5% = $75
• Off-quarter online $3,000 x 1% = $30
• Total year one pre-match: $180
• Cashback Match doubles year one: $360

Discover it Cash Back year two+ (without Match)

• Same category earning: $180

Winners:

• Year 1 winner: Discover it Cash Back at $360 (Cashback Match doubles)
• Year 2+ winner: 3-way tie at $180 depending on category timing. Amex Blue Cash Everyday is the "no thinking required" 3% baseline pick.

For a heavier online spender ($10,000+/year), Blue Cash Everyday hits the $6,000 cap earlier and drops to 1% on the remaining $4,000, capping earning at $220. Freedom Flex and Discover cap at $1,500 quarterly, capping at $300 per year on optimized rotations. For very heavy online spend, Blue Cash Everyday plus a rotating category card is the correct stack.

The 3-card stack strategy

Recommended 3-card stack for US online shoppers

1. Amex Blue Cash Everyday ($0 fee): 3% baseline on all US online retail up to $6,000 per year. Broadest coverage.
2. Chase Freedom Flex ($0 fee): 5% rotating quarters including Amazon (Q2 typical), PayPal (Q4 typical), Walmart.com (Q4 typical). Plus 3% year-round dining and drugstore.
3. Discover it Cash Back ($0 fee): 5% rotating quarters including Amazon (Q4 typical) and Target (Q3/Q4 typical). Cashback Match doubles first-year earning.

Total annual fees: $0.

Estimated earning on $6,000-$10,000 online spend:

• Year 1: $300-$500 (Cashback Match year on Discover)
• Year 2+: $250-$400

The Chase-focused stack

For Chase-committed cardholders wanting Ultimate Rewards ecosystem:

1. Chase Freedom Flex ($0 fee): 5% rotating quarterly categories
2. Chase Freedom Unlimited ($0 fee): 1.5% flat on everything else
3. Chase Sapphire Preferred ($95 fee): 3X on dining, 2X on travel, transfer partners access

Combined earning: 5% on rotating quarters, 3% on dining/travel, 1.5% baseline everywhere. All Chase Ultimate Rewards points can transfer to Sapphire Preferred and then to Hyatt, United, Southwest, Air France, British Airways, Marriott, and IHG for potentially higher redemption value.

The Amex Membership Rewards stack

For Amex-committed cardholders wanting Membership Rewards ecosystem:

1. Amex Blue Cash Everyday ($0 fee): 3% online retail baseline
2. Amex Gold ($325 fee): 4X on US supermarkets, 4X on restaurants, 3X on flights
3. Amex Platinum ($895 fee): 5X on flights direct, hotels through Amex Travel

Higher fees but Membership Rewards transfer to 15+ airline/hotel partners for maximum value on award redemptions. Not primarily an online-shopping stack; better for travelers.

Retailer-by-retailer earning strategy

Walmart.com

Best card: Chase Freedom Flex Q4 (Walmart.com Q4 typical 5%). Fallback year-round: Amex Blue Cash Everyday at 3% online retail.

Target.com

Best card: Target Circle Card at 5% off at checkout (debit or credit version) on Target and Target.com. Alternative: Discover it Cash Back Q3/Q4 (Target rotating 5%) or US Bank Cash+ Department Stores 5%. Fallback: Amex Blue Cash Everyday at 3% online retail.

Best Buy

Best card: Amex Blue Cash Everyday at 3% online retail (Best Buy.com qualifies). Alternative: My Best Buy Visa (Citi-issued): 5% Best Buy purchases with 24-month special financing option. Go through ShopBack before you pay at Best Buy so part of the cost comes back; check the live rate on the Best Buy ShopBack page.

Nike, Adidas, Lululemon, Athleta

Best card: Amex Blue Cash Everyday at 3% online retail (Nike.com, Adidas.com qualify). Go through ShopBack before you pay at Nike so part of the cost comes back; check the live rate on the Nike ShopBack page.

Sephora, Ulta Beauty

Best card: Amex Blue Cash Everyday at 3% online retail. Alternative: Sephora Credit Card (Bread Financial-issued): 4% on Sephora + Beauty Insider Rouge bonus. Go through ShopBack before you pay at Sephora or Ulta so part of the cost comes back; check the live rate on each store's ShopBack page.

Nordstrom, Macy's, JCPenney

Best card: Amex Blue Cash Everyday at 3% online retail. Alternative: Nordstrom Card (TD-issued): earn Nordstrom Notes on purchases + Nordy Club rewards. Go through ShopBack before you pay at Macy's or JCPenney so part of the cost comes back; check the live rate on each store's ShopBack page.

Wayfair, Overstock, IKEA (online)

Best card: US Bank Cash+ 5% with Furniture Stores chosen (Wayfair) or Home Improvement Stores chosen (Home Depot.com, Lowe's.com). Alternative: Amex Blue Cash Everyday at 3% online retail (Wayfair qualifies). Wayfair Credit Card for Wayfair-specific 3-5% earning.

The Chase 5/24 constraint

Chase Freedom Flex application is subject to Chase's 5/24 rule: Chase declines applications if you've opened 5+ credit cards from any issuer in the past 24 months. This includes:

• Amex, Discover, Citi, Capital One, US Bank, Wells Fargo cards
• Business cards from Chase and most other issuers (typically excluded from 5/24; check specific card)
• Store cards (Kohl's, Target, Nordstrom, etc.)

If you're near or above 5/24, apply for Chase cards FIRST before other issuers. Chase Freedom Flex is usually first on the priority list because it's a foundational Ultimate Rewards earner.

Amex and Discover do not have equivalent lookback rules. Amex has its own "1 or 2 cards ever per family" rule on certain cards (like the family of Blue Cash cards) but Blue Cash Everyday is typically available even if you have Blue Cash Preferred.

What ShopBack does for US online shoppers

ShopBack is a US Cashback and rewards platform. For online shopping, ShopBack tracks Cashback on hundreds of participating US retailers including Walmart, Target, Best Buy, Nike, Adidas, Sephora, Ulta Beauty, Macy's, Home Depot, Lowe's, Kohl's, JCPenney, Bloomingdale's, and many more when you start the checkout through shopback.com or the ShopBack app.

Illustrative example on a $200 Nike order:

• Amex Blue Cash Everyday 3% online retail = $6 credit card Cashback
• Go through ShopBack before you pay and part of the cost also comes back; check the live Cashback rate on the Nike ShopBack page

Cashback stays pending until the retailer confirms the order and return window closes (typically 15-60 days depending on category), after which it confirms in your ShopBack wallet. Your card still earns as usual, and retailer promotions and loyalty programs (Target Circle, Sephora Beauty Insider, Ulta Ultamate, Nike Members) still apply.

Verify the current published rate on the ShopBack merchant page before checkout because rates change based on merchant promotional cycles.

Common US online shopping Cashback mistakes to avoid

Ignoring Discover Cashback Match year one. New Discover it Cash Back applicants double all first-year Cashback via Cashback Match. Effective 10% on 5% quarterly categories year one is the deepest earning available on a no-fee card.

Applying for Chase Freedom Flex over the 5/24 limit. Chase declines applications if you've opened 5+ cards in the past 24 months from any issuer. Prioritize Chase before other issuers if you're near 5/24.

Assuming Citi Custom Cash is still available. Citi Custom Cash closed to new applications 28 May 2026. Do not include in shopping-card comparisons for 2026 new applicants.

Forgetting to activate Chase Freedom Flex and Discover it Cash Back quarterly categories. Both require manual activation on the issuer's site or app each quarter. Missing activation drops the earn from 5% to 1% on the bonus categories.

Paying $95 for Blue Cash Preferred when Blue Cash Everyday's 3% online retail fits your spend better. Blue Cash Preferred emphasizes 6% supermarkets ($95 fee); Blue Cash Everyday's 3% online retail (no fee) is often better for online-shopping-heavy households.

Buying at Walmart or Costco on Blue Cash Everyday expecting 3% supermarket. Amex US supermarket definition excludes Walmart, Target, Costco, Sam's Club, and BJ's. These retailers code as supercenter or warehouse club and earn only 1% on Blue Cash Everyday.

Skipping ShopBack before checkout. Going through ShopBack before you pay at Best Buy, Walmart, Target, Nike, Sephora or Ulta means part of the cost comes back, while your card still earns its 3-5%. Go through ShopBack before you pay and the Cashback tracks to your ShopBack account.

Overlooking Q4 shopping window optimization. Chase Freedom Flex Q4 (PayPal/Walmart) and Discover it Cash Back Q4 (Amazon/Target) both target holiday shopping. Time large gift purchases in Q4 to capture 5% quarterly bonus category earning.

FAQs

What are the earning rates on Amex Blue Cash Everyday, Chase Freedom Flex, and Discover it Cash Back for online shopping in 2026?

American Express Blue Cash Everyday: 3% on US online retail purchases on first $6,000 per calendar year (then 1%). 3% on US supermarkets on first $6,000 per year (then 1%). 3% on US gas stations on first $6,000 per year (then 1%). 1% everything else. No annual fee. Chase Freedom Flex: 5% on rotating quarterly bonus categories on first $1,500 per quarter (activation required); 2026 quarterly schedule often includes Amazon Q2 (Apr-Jun), PayPal Q4 (Oct-Dec), Walmart Q4 (Oct-Dec). Also 5% Chase Travel Portal, 3% dining and drugstores. No annual fee. Discover it Cash Back: 5% on rotating quarterly categories on first $1,500 per quarter (activation required); 2026 rotation often includes Amazon Q4 (Oct-Dec), Target Q3 or Q4, digital wallets Q2. Discover Cashback Match matches all first-year Cashback earned (effective 10% on 5% categories). No annual fee. Note: Citi Custom Cash CLOSED to new applications 28 May 2026 and is no longer a live option. Start Best Buy, Walmart, Target, Nike, Sephora, and other US retailer checkouts through ShopBack before you pay so part of the cost comes back while your card still earns as usual.

Is Citi Custom Cash still available in 2026?

No. Citi Custom Cash closed to new applications on 28 May 2026. Existing Custom Cash cardholders continue to earn 5% on their top eligible spending category up to $500 per billing cycle (top category calculated per cycle from Citi's eligible category list). New applicants can consider Discover it Cash Back (5% rotating quarterly categories with first-year Cashback Match), US Bank Cash+ (choose 2 of 12 5% categories), or Chase Freedom Flex (5% rotating quarterly categories) as replacements. Citi still offers Citi Double Cash (2% flat on all purchases) and Citi Strata Premier ($95 annual fee, 3X dining/supermarkets/gas/airfare/hotels) as active card options. If you want a card that adapts to your highest spending category automatically, the closest 2026 replacement to Custom Cash's structure is US Bank Cash+ where you manually choose your top 2 categories per quarter. Start Best Buy, Target, and other US retailer checkouts through ShopBack before you pay so part of the cost comes back while your card still earns as usual.

How does Discover Cashback Match work in the first year?

Discover Cashback Match is Discover's first-year new-cardholder promotion that matches all Cashback earned in the first 12 months (12 statements). It applies to Discover it Cash Back and Discover it Miles cards. Practical effect: if you earn $600 total Cashback in your first year on Discover it Cash Back (through 5% quarterly rotating categories capped $1,500 per quarter + 1% baseline on other spend), Discover credits an additional $600 at the end of year one, effectively doubling first-year earning. On the 5% quarterly rotating categories, this makes the effective rate 10% for the first year (5% original + 5% match). For someone maximizing all four Q1-Q4 quarterly caps ($1,500 x 5% x 4 = $300 quarterly bonus earning per year), first-year total with match is $600 on category-optimized spend alone, plus doubling on all off-category 1% earning. Discover Cashback Match is applied only once per lifetime per applicant. Best strategy: apply for Discover it Cash Back in Q4 to maximize quarterly bonus category earnings within the first 12 months (typically Amazon Q4, digital wallets Q2, restaurants Q3). Start Best Buy, Target, and other US retailer checkouts through ShopBack before you pay so part of the cost comes back while your card still earns as usual.

Which card earns the most on a $6,000 annual US online shopping household spend?

Depends on which specific retailers you shop at. Amex Blue Cash Everyday: $6,000 US online retail x 3% = $180 (this rate is a general online retail category, not tied to specific retailers). $180 annual, no fee = $180 net. Chase Freedom Flex assuming Amazon Q2 activation ($1,500 x 5% = $75) + PayPal/Walmart Q4 activation ($1,500 x 5% = $75), plus off-quarter online $3,000 x 1% = $30. Total: $180 gross, no fee = $180 net. Discover it Cash Back assuming Amazon Q4 activation ($1,500 x 5% = $75) + Target Q3 activation ($1,500 x 5% = $75), plus off-quarter online $3,000 x 1% = $30. Total: $180 gross year one PRE-match = $180. With Discover Cashback Match year-one doubling = $360 total year one. Winner year one: Discover it Cash Back at $360 thanks to Cashback Match. Winners year 2+: Amex Blue Cash Everyday at $180 for simple 3% general online, or Freedom Flex/Discover if you rotate categories carefully. For 3-card optimization: Blue Cash Everyday for baseline 3% + Freedom Flex for rotating 5% + Discover it Cash Back for Cashback Match year one, then swap out. Start Walmart, Target, Best Buy and other live US retailer checkouts through ShopBack before you pay so part of the cost comes back while your card still earns as usual.

What is the Amex Blue Cash Everyday online retail definition?

American Express Blue Cash Everyday earns 3% on US online retail purchases (first $6,000 per calendar year, then 1%). Amex's online retail definition includes purchases from Amazon, Walmart.com, Target.com, Best Buy.com, Nordstrom.com, Macy's.com, Sephora.com, Ulta.com, Nike.com, Adidas.com, Wayfair, Etsy, eBay, and hundreds of other US-based online retailers that code to the online retail merchant category. Excluded from 3% online retail: online purchases from restaurants (dining category), grocery delivery from US supermarkets that code as supermarket (already qualifies for separate 3% supermarket category), and PayPal purchases (coded to PayPal not the underlying retailer). Note: Some subscription services (Netflix, Hulu, Spotify) may not qualify for 3% online retail because they code to streaming or entertainment merchant category. Verify by checking a recent transaction's merchant category coding in your Amex statement. Amex Blue Cash Everyday's 3% online retail is broadly applicable to most typical US e-commerce shopping. Start Walmart, Target, Best Buy, and other US retailer checkouts through ShopBack before you pay so part of the cost comes back while your card still earns as usual.

What is the optimal 3-card stack for a US online shopping household?

The optimal 3-card stack for a US online shopping household in 2026 is: (1) Discover it Cash Back (first year only, no fee, Cashback Match doubles all earning); (2) Chase Freedom Flex ($0 fee, 5% rotating quarterly categories often Amazon/PayPal/Walmart; also 3% dining and drugstore year-round); (3) Amex Blue Cash Everyday ($0 fee, 3% baseline on all US online retail up to $6,000 per year, plus 3% supermarket and 3% gas). This 3-card stack captures Amazon at 5-10% (Freedom Flex Q2 or Discover Q4 plus Cashback Match year one), Walmart.com at 5% (Freedom Flex Q4), Target.com and Best Buy at 3% via Blue Cash Everyday, and 3% baseline everywhere else online. Cost: $0 annual fees across all 3 cards. Estimated annual earning on $8,000 online spend: $400-500 depending on category timing. Start US online retailer checkouts through ShopBack before you pay (Walmart, Target, Best Buy, Nike, Sephora, Ulta, Macy's, and hundreds of others) so part of the cost comes back while these cards earn as usual.

How do ShopBack Cashback rates compare to credit card Cashback for US online shopping?

ShopBack Cashback and credit card Cashback work side by side; they don't compete. ShopBack Cashback is earned when you go through shopback.com or the ShopBack app to a participating US retailer before you pay and complete a purchase; rates vary by merchant and campaign, so check the live rate on the store's ShopBack page. Credit card Cashback is issuer-earned Cashback on the payment method used. On a $200 Nike order, for example, Amex Blue Cash Everyday's 3% US online retail earns $6 on the card side, and going through ShopBack before you pay means part of the cost also comes back at the live rate on the Nike ShopBack page. Cashback stays pending until Nike confirms shipment and return window closes (typically 30 days), after which it confirms in your ShopBack wallet. Verify current published rates on the ShopBack merchant page before checkout.

Can I earn ShopBack Cashback on US online shopping credit card applications or spend in 2026?

ShopBack does not currently offer bounties on Amex Blue Cash Everyday, Chase Freedom Flex, or Discover it Cash Back credit card applications directly through the ShopBack site. Apply for these cards through the issuer's site (americanexpress.com, chase.com, discover.com). Where ShopBack helps is on the online shopping itself: Walmart, Target, Best Buy, Nike, Adidas, Sephora, Ulta Beauty, Macy's, Home Depot, Lowe's, and hundreds of other US retailers track Cashback when you start the checkout through shopback.com or the ShopBack app. Cashback rates vary by merchant and campaign; verify current published rates on the ShopBack merchant page before checkout. Cashback stays pending until the retailer confirms the order and return window closes (typically 15-60 days depending on category), then confirms in your ShopBack wallet. Your card still earns as usual, and retailer promotions and loyalty programs (Target Circle, Sephora Beauty Insider, Ulta Ultamate) still apply.

Do Amex Blue Cash Everyday, Chase Freedom Flex, and Discover it Cash Back charge foreign transaction fees on international online orders in 2026?

Amex Blue Cash Everyday (2.7%) and Chase Freedom Flex (3%) charge foreign transaction fees on purchases billed in a non-USD currency or processed through a non-US merchant bank; Discover it Cash Back charges none, though Discover acceptance is thinner outside the US. This matters more than it looks when you buy from UK brands (ASOS UK, John Lewis), Japan retailers (Rakuten Japan, Uniqlo Japan), or European marketplaces (Zalando, Yoox) that bill in GBP, JPY, or EUR even when shipping to a US address. The FX fee erases 2.7 to 3 percentage points of the headline Cashback rate, so a 3% Blue Cash Everyday earn on a GBP-billed ASOS UK order nets only about 0.3% after the 2.7% FX fee. For international online shopping, use Discover it Cash Back for the 0% FX fee, or use a dedicated no-foreign-fee travel card (Chase Sapphire Preferred, Capital One Venture) and go through ShopBack before you pay if the merchant is on ShopBack US. Check the live Cashback rate on the merchant's ShopBack page before clicking through.