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Amazon’s biggest annual sale, Prime Day, is right around the corner. This exclusive shopping event — available only to Amazon Prime members — features impressive discounts throughout the website.
If you’ve been wanting to purchase the latest laptop or a pair of brand new running shoes to train for your next 10k run, Prime Day is the day you’ve been waiting for. Shoppers rejoice and enjoy savings on items such as tech gadgets, household appliances, fitness equipment and more — during Amazon’s 48-hour mega sale extravaganza.
On Amazon, there are literally over a million goods to pick from, so it’s critical to plan your shopping and utilize the best credit card to get the most rewards or cash back.
Here are the best cards for shopping on Amazon Prime Day.
Citi® Double Cash Card
If simplicity and rewards are what you’re after in a credit card, the no annual fee Citi® Double Cash Card, from our partner Citi, is a tough competitor in the cash back credit card market. Cardholders will earn 2% cash back on all purchases with no bonus categories to memorize—1% when you buy, plus 1% as you pay. That means any Amazon purchases you make on Prime Day and all-year-round will earn 2% back when you pay off your credit card statement. There is no cap on the amount of cash back you can obtain.
Citi® Double Cash Card
This product is currently not available via Slickdeals.
- Our Rating4.5/5Read the review
- APR18.24% – 28.24% (Variable)
- Annual Fee$0
The Citi® Double Cash Card, from our partner Citi, offers attractive and uncomplicated cash back for people who value a flexible credit card reward program.
The Citi Double Cash Card, from our partner Citi, offers attractive and uncomplicated cash back for people who value a flexible credit card reward program.The Citi Double Cash Card gives you the chance to earn 2% cash back on your purchases. You can receive 1% cash back when you make a purchase and an additional 1% cash back once you pay your bill.
- No category bonuses to remember, unlimited 2% cash back on everything
- Earns ThankYou Points, which gives the potential to unlock valuable travel rewards
- Foreign transaction fees are applied
- Limited perks
The cash back earned from the Citi Double Cash Card can be converted to ThankYou® Points (via a linked ThankYou account) and redeemed for a variety of things, including travel, gift cards, retail, and more. Read our full review of the Citi Double Cash Card.
Amazon Prime Rewards Visa Signature Card
If you do most of your shopping at Amazon, then the Amazon Prime Rewards Visa Signature Card is a no-brainer option for your Prime Day purchases (and all-year-round).
The Amazon Prime Rewards Visa Signature Card delivers 5% cash back at Amazon and Whole Foods, in addition to 2% cash back at restaurants, gas stations, and drugstores, and 1% cash back on all other purchases. The return on Amazon is higher than that of any other card on our list for the entire year.
Keep in mind, that you’ll need to have an eligible Amazon Prime membership to qualify for the Amazon Rewards Visa Card. But that includes a host of perks, including two-day shipping.
Best of all, there’s no annual fee to worry about, and the card carries no foreign transaction fee.
Chase Freedom UnlimitedⓇ
The Chase Freedom UnlimitedⓇ credit card can be a decent middle ground if you’re not sure whether you want cash back or travel points from your Prime Day purchases. With this card, you earn a straightforward 1.5% cash back on all of your purchases, including those from Amazon. You can also earn elevated rates on select bonus categories, such as 5% cash back on travel purchases made through Chase Ultimate Rewards® and 3% cash back on dining purchases at restaurants (including takeout and eligible delivery services) and drugstores.
Chase Freedom Unlimited®
Secure application on issuer’s website
- Our Rating4.5/5Read the review
- APR19.24% – 27.99% (Variable)
- Annual Fee$0
- 1.5%1.5%Extra Cash BackMore Info
Earn 1.5% bonus cash back (up to $20,000 in purchases) during your first year. Worth up to $300 in cash back.
The Chase Freedom Unlimited® card has been one of the top cash-back credit cards since it first came on the scene, with an easy 1.5x return on almost everything. It’s especially useful since it earns versatile Ultimate Rewards points.
The Chase Freedom Unlimited card is unique for a couple of important reasons. First, it comes with purchase protection and extended warranty protection you don’t see with some other no-fee cash-back cards. Second, you earn cash back in the form of points (Chase Ultimate Rewards) when paired with another annual-fee earning Chase product, you can get even more value if you love to travel by transferring to partners.
That’s because while the Freedom cards are marketed as cash-back credit cards, they actually offer points. You can use those points to book travel through Chase at a rate of 1 cent per point. But if you have the Chase Sapphire Preferred®orChase Sapphire Reserve®, you’ll get 25% and 50% more value on those travel redemptions, respectively. (Plus, the ability to transfer your points, too.)
- No category bonuses to remember; earn at least 1.5% back on everything
- No annual fee
- Generous travel and purchase protection benefits
- Can’t transfer Chase points unless paired with another annual-fee Chase product
Additionally, you’ll discover that the cash back earned from the Chase Freedom Unlimited card really are Ultimate Rewards points — arguably the most valuable travel rewards currency on the market. While there are various ways to use these points, redeeming them to offset Amazon purchases would get you a subpar value of 0.8 cents per point.
Instead, If you have another Chase Ultimate Rewards card, such as the Chase Sapphire Preferred® Card, you can redeem your points for much greater value — either by booking travel through the Ultimate Rewards travel portal at an improved rate of 1.25 cents per point or higher (depending on the Ultimate Rewards card you hold) or transferring those points to any of Chase’s airline and hotel reward partners. Read our full review of the Chase Freedom Unlimited card
Bank of America® Customized Cash Rewards Credit Card
The Bank of America® Customized Cash Rewards credit card, which is among the most popular cash back cards available, is an excellent complement for your Amazon purchases. With this card, you can select which categories — gas, home furnishings, dining, travel, pharmacies, and online shopping — you want to earn 3% cash back on. Naturally, online shopping includes Amazon, so if you are a heavy spender at Amazon.com, you can earn 3% cash back on all Amazon purchases.
In addition, you can receive 2% cash back in wholesale clubs and grocery stores (up to $2,500 in combined quarterly purchases on 3% and 2% categories), followed by 1% on all other purchases. The card specializes in flexibility: for any reason, you can change your preferred bonus category up to once each month when you don’t spend on Amazon purchases.
Chase Freedom FlexSM
For those aiming to maximize rewards, the Chase Freedom FlexSM Card is a great card for your Amazon purchases. This card is known for its recurring 5% quarterly bonus categories when you activate (up to $1,500 each quarter), including popular everyday spending categories such as gas stations, grocery stores (excluding Target® and Walmart ®) and you guessed it, purchases at Amazon.com.
Chase Freedom Flex℠
Secure application on issuer’s website
- Our Rating4.5/5Read the review
- APR19.24% – 27.99% (Variable)
- Annual Fee$0
- $200$200Cash BonusMore Info
Receive a $200 bonus after you spend $500 in the first three months.(Video) Amazon Credit Card Review 2022 | Should You Get It?
The Chase Freedom Flex card is an excellent cash-back credit card for people who are looking to maximize rewards. Cardmembers can take advantage of 5% cash back on rotating categories, 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back on drugstore purchases and 1% back on everything else.
Getting more in cash back is a clear win for anyone who is considering the Freedom Flex card. This card is ideal for anyone who want to maximize cash-back rewards with the option to get more value with travel redemptions.
- Generous earnings on select rotating categories each quarter
- Cellphone and trip insurance coverage
- No annual fee
- Ability to convert rewards to transferable Ultimate Rewards points
- Can’t transfer Chase points to travel partners unless paired with select products
Since Amazon is usually included as one of the 5% rotating bonus categories, once or twice per year, you could potentially earn $75-$150 cash back, if you reach the $1,500 spending cap each quarter. Amazon purchases exceeding the 5x quarterly max of $1,500, will earn an unlimited 1% cash back.
Plus, cardholders can earn 3% cash back on dining, including takeout and eligible delivery, 3% cash back at pharmacies, and 1% cash back on other transactions. Read our full review of the Chase Freedom Flex Card.
Discover it® Cash Back
If you’re considering the Discover it® Cash Back card and repeatedly shop at Amazon.com, this card might be your best bet. That’s because Discover doubles all the cash back you earn in the first year. Similar to the Chase Freedom Flex Card, the Discover it Cash Back card offers 5% cash back (up to $1,500) in quarterly rotating bonus categories — which typically include Amazon for one quarter per year.
This card will appeal to those who enjoy making the most of rotating categories and value cash back over travel rewards. Since Discover doubles your cash back in the first year as a cardholder, you’re essentially earning a whopping 10% cash back on Amazon purchases. Read our full review of the Discover it Cash Back card.
Whether on Prime Day or anytime throughout the year, if you shop at Amazon often, you should consider a credit card that rewards you handsomely for your spending. The best earning rates for Amazon shopping typically come from cash back cards, but several cash back cards can convert the cash they earn into valuable travel rewards. There are many different cards to choose from, and the best choice for you will depend on the type of rewards you prefer to earn.
Which credit card is best for Amazon online shopping? ›
Other than the cards offering reward points, there are cashback cards of YES Bank, on which you get a cashback of 3% on your spends on Amazon and Flipkart. Due to the 10X Rewards offer, the YES Bank credit cards have become one of the best credit cards for shopping at Amazon & Flipkart.Can I get an Amazon credit card with a 630 credit score? ›
Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.Can I get an Amazon credit card with a 640 credit score? ›
To get approved for this card, you'll need to have a good credit score of at least 670, though having a higher one certainly won't hurt your chances.What is the single best credit card to have? ›
- Amazon Prime Rewards Visa Signature Card *: Best for Amazon.
- Blue Cash Preferred® Card from American Express: Best For Groceries.
- Petal® 1 “No Annual Fee” Visa® Credit Card: Best for Bad Credit.
- Discover it® Secured Credit Card: Best Secured Card.
An 850 credit score is considered the highest score according to the most common FICO and VantageScore credit models. There are several factors that go into determining a credit score, such as payment history, amounts owed, length of credit history, credit inquiries and credit mix.Which type of credit card is best for shopping? ›
- Wells Fargo Active Cash® Card: Best for Simple Cash-Back Rewards.
- Bank of America® Customized Cash Rewards credit card: Best for Extra Cash-Back Bonuses.
- TD Double Up Credit Card: Best for Cash Back Straight to Your Bank.
- Target RedCard™ Credit Card: Best Store Card.
(a) Shop on Amazon.in using your HDFC Bank Debit Card or Credit Card to avail 10% Instant Discount with HDFC Bank Debit Card or Credit Card up to a maximum of Rs. 1,500.Which credit card is used for Amazon? ›
Amazon Pay accepts credit and debit cards. Credit cards currently accepted include Visa, Mastercard, Discover, American Express, Diners Club, and JCB. The Amazon.com store card is available for use with selected merchants. In some circumstances, you might be limited to using Visa and Mastercard credit cards.Can I get a credit card with a credit score of 480? ›
As a result, a 480 credit score will make it difficult to qualify for a loan or unsecured credit card, and you will need to focus on rebuilding your credit before trying to get a mortgage, car loan, etc.Can I get a Target credit card with a 620 credit score? ›
Qualify with even “fair” credit
You only need “fair” credit to qualify for the Target RedCard, which means it's possible to get approved with a credit score of just 620.
Can I get Capital One Platinum card with 630 credit score? ›
A: The Capital One Platinum Credit Card is deshigned for fair credit, so you may need a FICO credit score of at least 580 to qualify. But it's possible you'll be approved with a lower score.What credit card limit can I get with a 800 credit score? ›
For those with 800-plus scores, their average credit card limits are $69,346. That's up from the $58,514 average we found in May 2021.Can I get an American Express card with a 640 credit score? ›
Michael Battle, WalletHub Credit Card Analyst
The American Express credit score requirement is of at least 700, depending on the card. That means people with good to excellent credit are eligible to get approved for an American Express credit card.
“In the 700 club, your credit limit will likely be close to the average credit limit for a newly issued card, about $5,000,” says Ted Rossman, senior industry analyst at Bankrate. “That limit can vary based on income and other debt.”What is the easiest card to get approved? ›
Secured credit cards will likely be the easiest cards to get for those with either poor credit or no credit. That's because they require collateral upfront in the form of a security deposit, which is typically equal to the amount of your credit line and reduces the risk to the card issuer if you fail to pay your bill.Which credit card is best now a days? ›
- BPCL SBI Card Octane.
- Indian Oil Citi Platinum Credit Card.
- IndianOil Axis Bank Credit Card.
- HDFC Bharat Cashback Credit Card.
- BPCL SBI Card.
American Express currently has the lowest acceptance rates internationally. We recommend Amex cardholders carry a backup Visa or Mastercard, especially when travelling outside the United States.Can someone have a 900 credit score? ›
FICO® score ranges vary — they can range from 300 to 850 or 250 to 900, depending on the scoring model — but higher scores can indicate that you may be less risky to lenders.How many people have a 850 credit score? ›
Experts say that this credit score will likely get you all the same benefits — and the best deals. Only about 1.6% of the 232 million U.S. consumers with a credit score have a perfect 850, according to FICO's most recent statistics. But it might not matter as much as you may think.Was there ever a 900 credit score? ›
Depending on the type of scoring model, a 900 credit score is possible. While the most common FICO and VantageScore models only go up to 850, the FICO Auto Score and FICO Bankcard Score models range from 250 to 900.
What should you not buy when you have a credit card? ›
Household Bills/household Items
Going over your credit card limit or missing payments can put you into financial difficulties and cause extra interest charges or late fees. Paying household items on credit cards such as groceries, personal care items or cleaning supplies is also not the best idea.
Most users feel that debit card is not only more convenient, but less stressful as it lets you spend within your financial abilities without accumulating and debt or interest in future. It relieves you from a lot of stress, from getting into a debt cycle and overspending.Which bank card is best for online shopping? ›
- HSBC Cashback Credit Card. ...
- HDFC Millennia Credit Card. ...
- Axis Bank Ace Credit Card. ...
- SBI SimplyCLICK Credit Card. ...
- HDFC MoneyBack Credit Card. ...
- Axis Bank Buzz Credit Card. ...
- Standard Chartered DigiSmart Credit Card. ...
- Axis Bank NEO Credit Card.
This "Offer" is provided to you by ICICI Bank Limited ("Bank") and Amazon Pay (India) Private Limited (formerly known as Amazon Online Distribution Services Private Limited) ("Amazon") and made available on the website www.amazon.in and the mobile site and mobile application thereof (collectively, "Amazon.in").Is Amazon Getting rid of credit cards? ›
The change is happening much earlier than expected.
In April, Amazon announced that its Platinum and Classic credit cards would be closed down in January 2023. But we now know that this will happen in November – two months earlier than expected.
It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.What credit cards will Amazon not accept? ›
Amazon had announced in November last year that it would no longer accept Visa credit cards as payment from 19 January 2022 and blamed the move on Visa's card fees.Which credit card gives 5 cash back on Amazon? ›
The Amazon Prime Rewards Visa Signature Card offers card members 5% back on purchases made at Amazon.com and Whole Foods Market. 5% back on purchases made at Amazon.com and Whole Foods Market is exclusively for customers with an eligible Prime membership.What are the benefits of Amazon credit card? ›
- Rewards. 5% back on Amazon.com.
- Welcome bonus. None.
- Annual fee. $0.
- Intro APR. Pay no interest on all Amazon purchases of $150 or more if the entire purchase amount is paid in full within 6, 12 or 24 months.
- Regular APR. 27.49% variable.
- Balance transfer fee. Not applicable.
- Foreign transaction fee.
Four major credit card networks dominate the market in the U.S.: American Express, Discover, Mastercard and Visa.
What are the top 10 hardest credit cards to get? ›
Rewards: Chase Sapphire Reserve®Chase Sapphire Reserve® Learn Moreon issuer's website. Business: Wells Fargo Business Elite Signature CardWells Fargo Business Elite Signature Card Learn More. Luxury Travel: U.S. Bank Altitude Reserve Visa Infinite® CardU.S. Bank Altitude Reserve Visa Infinite® Card Learn More.What are all the major credit cards? ›
A major credit card is one on a major card network, of which there are four: Visa, Mastercard, American Express and Discover.What is higher than platinum card? ›
A platinum credit card is usually a bank's most expensive or the top-tier card, second only to a titanium, black or diamond card if offered by the bank. It is often in the form of a rewards credit card.Can you get a credit card with a score of 440? ›
A 440 FICO® Score is significantly below the average credit score. Many lenders view consumers with scores in the Very Poor range as having unfavorable credit, and may reject their credit applications. Applicants with scores in this range may be required to pay extra fees or to put down deposits on credit cards.What is the easiest credit card to receive? ›
Secured credit cards are by far the easiest type of credit card to obtain, particularly if you have a poor or limited credit history.What is the fastest credit card? ›
- Top credit cards you can use instantly after approval.
- Blue Cash Preferred® Card from American Express.
- Chase Sapphire Preferred® Card.
- Bank of America® Premium Rewards® credit card.
- Amazon Prime Rewards Visa Signature Card.
- United℠ Explorer Card.
- SoFi Credit Card.
- Other notable options.