Swipe Smart logo

Swipe Smart

Always pick the right card

Ebay Rewards Guide

4 data points

Top 3 Credit Cards by Earning Rate at Ebay

ChaseFreedom Flex
5X Ultimate Rewards pointsWith Bonus Earning
U.S. BankCash+ Visa Signature
5% cash backWith Bonus Earning
Bank of AmericaCustomized Cash Rewards
3% cash backWith Bonus Earning

eBay

USA

Department Stores

Date

2025-12-21fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.ebay.com/

Reward Details

Amount

Earning Rate

100 USD5X (With Bonus Earning)

Rewards

500 Ultimate Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1o526of/comment/noqdkrg/Read more

eBay

USA

Department Stores

Date

2025-04-11

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.ebay.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Additional Notes

Note: Conflicting data point exists saying it does NOT count.Read more

eBay

USA

Online Shopping

Date

2025-01-25fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1golexb/comment/m918qz5/Read more

eBay

USA

Online Shopping

Date

2024-06-12fromDoctor of CreditDoctor of Credit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.ebay.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Additional Notes

Confirmed in Doctor Of Credit - https://www.doctorofcredit.com/which-online-retailers-earn-3x-with-bank-of-america-cash-rewards/#comment-1859126 - My eBay purchase coded as “online shopping”Read more

Quick Rewards Guide for Ebay

💡 Top Performing Card: The community-verified best credit card for Ebay purchases is the Chase Freedom Flex. Transactions on this card consistently earn 5X Ultimate Rewards points (With Bonus Earning) by coding in the "Department Stores" category.

🔍 Merchant Category Coding (MCC): Ebay transactions most frequently code as "Department Stores" (or sometimes "Online Shopping"). Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Ebay, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Ebay code as on credit cards?

Based on community data points, Ebay transactions primarily code under the "Department Stores" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Ebay?

The Chase Freedom Flex is highly recommended, as it has been verified to earn 5X Ultimate Rewards points (With Bonus Earning) on Ebay. Any card offering 3% or more cash back (or 3x points) on "Department Stores" purchases will also deliver excellent value.

Q:Does Ebay code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Ebay usually codes as "Department Stores" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.