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14 Best Credit Cards to Use When Shopping on Amazon Prime Day

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Amazon Prime Day is upon us. Is your wallet optimized to capture once-in-a-year deals at the lowest possible net price?

If you’re not carrying at least one of the cards on this annual list of the best credit cards to use on Amazon Prime Day, there’s still time to apply before the main event. In 2020, Amazon Prime Day happened on Oct. 13 and 14. Here’s what you need to know about each card.

Best Credit Cards to Use on Amazon Prime Day: Clear Winners

These are the best credit cards to use on Amazon Prime Day.

Amazon Prime Rewards Visa Signature Card

Unlimited 5% Cash Back on Purchases Made at Amazon and Whole Foods

Amazon Prime Rewards Credit CardThe name says it all: Amazon Prime Rewards Visa Signature is designed for loyal Amazon Prime members looking to save big on everyday spending at Amazon and Whole Foods Market. On Prime Day, no card serves you better.

Use this card to pay for your Prime Day purchases, and you’ll earn an unlimited 5% cash back on top of the day’s already fantastic deals. Once Prime Day is in the books, keep it around for an unlimited 2% back on eligible purchases at restaurants, gas stations, and drugstores, plus a continued 5% back at Amazon and Whole Foods.

  • Sign-Up Bonus. There’s currently no general sign-up bonus, but Amazon and Chase may run targeted promotions.
  • Earning Rewards. Earn an unlimited 5% cash back on eligible purchases made at Amazon and Whole Foods Market. Earn an unlimited 2% cash back on eligible purchases at restaurants, drugstores, and gas stations. All other eligible purchases earn an unlimited 1% back.
  • Redeeming Rewards. Redeem in any amount for credits against Amazon purchases – the preferred way to redeem, and a great way to reduce your net Prime Day outlay if you already have points stored up. You can also redeem for cash back (via statement credit or direct deposit), gift cards, merchandise, and other items. Redemption values and minimums on non-cash and non-Amazon redemptions may vary.
  • Introductory APR. None.
  • Key Fees. This card has no annual fee, but you need to be a paid-up Prime member to earn 5% cash back on Amazon and Whole Foods purchases. There’s no foreign transaction fee, either.
  • Other Perks. This card comes with a suite of Visa Signature benefits, including complimentary loss and damage coverage on rental cars paid in full with the card, basic travel insurance coverage, extended warranty coverage for an additional year on items with eligible warranties of three years or less, and purchase protection against damage or theft for 120 days from purchase, up to $500 per claim and $50,000 per account. Purchase protection, in particular, is a great way to safeguard big-ticket Prime Day purchases.

See our Amazon Prime Rewards Visa Signature Card Review for more information. Find out how you can apply for this card here.

Learn More


Amazon Rewards Visa Signature Card

Unlimited 3% Cash Back on Purchases Made at Amazon and Whole Foods

Amazon Rewards Visa Signature CardAmazon Rewards Visa Signature is a less generous version of the Amazon Prime Rewards Visa Signature. The main differences are:

  • You don’t need a paid-up Prime membership to qualify for this card.
  • Purchases at Amazon and Whole Foods earn just 3% back. In other words, you’ll earn 3% cash back on all Prime Day purchases.

So which Amazon Rewards card is right for you? If you spend enough at Amazon and Whole Foods to offset a Prime membership’s $119 annual price tag with the Prime Rewards Visa Signature’s 2% cash back premium, that card is for you. If you’re not a super-heavy Amazon spender, this one will suite you just fine.

  • Sign-Up Bonus. There’s currently no general sign-up bonus. Check with Amazon and Chase for information on targeted or limited-time promotions.
  • Earning Rewards. Earn an unlimited 3% cash back on eligible purchases made at Amazon and Whole Foods Market; an unlimited 2% cash back on eligible purchases at restaurants, drugstores, and gas stations; and an unlimited 1% cash back on all other eligible purchases.
  • Redeeming Rewards. Redeem in any amount for credits against Amazon purchases – the preferred way to reduce your net Prime Day spend. You can also redeem for general cash back via statement credit or direct deposit, gift cards, merchandise, and other items at various redemption thresholds and point values.
  • Introductory APR. None.
  • Key Fees. This card has no annual fee, and Prime membership isn’t required to earn 3% cash back on Amazon and Whole Foods purchases. There’s no foreign transaction fee.
  • Other Perks. This card has the same great suite of Visa Signature benefits as the Amazon Prime Rewards card.

See our Amazon Rewards Visa Signature Card Review for more information. Find out how you can apply for this card here.

Learn More


Deserve EDU Student Credit Card

Free Year of Amazon Prime Student ($59 Value)

Deserve Edu CardFor students and young adults ages 17 to 23, the Deserve EDU Student Credit Card is the best non-Amazon card for Amazon Prime Day – and Amazon spending throughout the year, for that matter. The reason is simple: It’s the only credit card that offers a full year’s complimentary subscription to Amazon Prime for cardholders who spend at least $500 in eligible purchases in the first 3 billing cycles.

To capture the full value of this deal – $59 – sign up for Amazon Prime Student, pay for your membership with your Deserve EDU Student Credit Card, and meet the qualifying spend requirements. Once your free trial period (if any) ends, you’ll see the reimbursement for the Prime Student fee on your card’s billing statement. If you elect to pay for Amazon Prime Student on a month-to-month basis, you’ll receive nine consecutive reimbursements, one per month.

Other notable benefits of the Deserve Edu card include a $30 cash bonus after your account is approved and you make your first purchase, $100 off your Feather furniture subscription in the first month when you sign up with the promo code “DESERVE100” and a $10 statement credit after you pay for 3 consecutive monthly insurance statements with Lemonade, a next-generation homeowners’ and renters’ insurance solution, using your Deserve card.

  • Earning Rewards. All eligible purchases earn an unlimited 1% cash back, with no caps on how much you can earn.
  • Redeeming Rewards. Redeem in any amount for credits against Amazon purchases and cash back via statement credit or direct deposit. You can also redeem for gift cards, merchandise, and other items at various redemption thresholds and point values.
  • Introductory APR. None.
  • Key Fees. This card has no annual fee, and Prime membership isn’t required to earn 3% cash back on Amazon and Whole Foods purchases. There’s no foreign transaction fee.
  • Other Perks. In addition to one free year of Amazon Prime Student for those who meet the qualifying spend, this card has a slew of value-added perks. One highlight is a generous price protection policy that provides reimbursement of the difference between the purchase price and any lower advertised price on an identical item for 60 days from the date of purchase, subject to restrictions. (Scroll down for more great cards with price protection policies.) Other benefits include cell phone protection up to $600 per claim and extended warranties of up to 12 months on eligible products with existing manufacturers’ warranties.

See our Deserve EDU Student Credit Card Review for more information. Learn more about this card and find out how to apply here.

Learn More


Best Credit Cards to Use on Amazon Prime Day: Shopping Benefits

If you’re not eligible for or interested in one of the cards above, consider using a credit card with generous shopping benefits. These benefits have grown less common due to the rise of money-saving browser extensions, but they can still be found on select cards. Just be sure to read your credit card statement of benefits’ fine print as shopping benefits are subject to change at issuers’ discretion.


Wells Fargo Visa Signature® Card

Price Protection for 60 Days From Purchase Date

The Wells Fargo Visa Signature® Card pairs a nice sign-up bonus with mediocre ongoing rewards. Indeed, after the six-month mark, you probably won’t want to use it as your primary spending aid; you can achieve a far better rate of return elsewhere.

The saving grace of Wells Fargo Visa Signature is its 60-day price protection perk, which reimburses the difference – up to $250 per occurrence and $1,000 per year – when you find a lower advertised price on an identical item.

You’ll need to look for the lower advertised price yourself – meaning, for practical purposes, you’re less likely to find one. But if you’re willing to do some legwork, the $250 cap per claim could pay off on big-ticket purchases that see significant price drops.

  • Sign-Up Bonus. Earn 5 rewards points per $1 spent on the first $12,500 in gas, grocery, and drugstore purchases for the first six months from account opening.
  • Earning Rewards. Earn an unlimited 1 point per $1 spent on all eligible purchases after the first six months.
  • Redeeming Rewards. The best way to redeem your points is for airfare; you’ll enjoy a 50% value boost this way. You can also redeem for cash, merchandise, travel, and gift cards (including Amazon gift cards) at the Wells Fargo Earn More Mall.
  • Introductory APR. Enjoy 0% APR on purchases and balance transfers for 15 months from your account opening date – a great choice for new cardholders looking to finance Prime Day purchases over time.
  • Key Fees. This card has no annual fee. Foreign transactions cost 3%. Cash advances cost the greater of $10 or 5% of the amount of each advance. Balance transfers cost the greater of $5 or 5% of the amount of each transfer.
  • Other Perks. In addition to price protection, Wells Fargo Visa Signature offers cell phone protection (up to $600 per covered incident) and extended warranties on select covered items.

USAA Rewards American Express® Card

Price Protection for 120 Days From Purchase Date

Usaa Rewards American Express CardThe USAA Rewards American Express® Card has an industry-leading price protection perk that covers purchases for 120 days from the date of purchase – double the duration of most other price protection plans.

The only reason this card isn’t higher on our list is USAA’s eligibility requirement: To become a USAA member and qualify for this card, you need to be an active or honorably separated service member, or closely related by marriage or blood to someone who is. Less than 10% of the U.S. population qualifies for USAA membership.

USAA’s price protection plan reimburses the difference, up to $250 per occurrence, when you find a lower advertised price on an identical item within 120 days of purchase. Eligible items include products purchased with USAA points, which is great news for USAA members planning to cash in their points on Prime Day. You’re limited to four price protection claims per year, for an absolute maximum of $1,000 in annual value.

  • Sign-Up Bonus. There’s currently no sign-up bonus.
  • Earning Rewards. Earn an unlimited 3 points per $1 spent on dining out purchases; 2 points per $1 spent on gas and grocery purchases; and 1 point per $1 spent on all other eligible purchases (including Amazon purchases).
  • Redeeming Rewards. You can redeem your accumulated rewards for gift cards; USAA’s inventory may include Amazon gift cards, though selection is subject to change at its discretion. You can also redeem for cash back, travel, and general merchandise purchases.
  • Introductory APR. None.
  • Key Fees. There’s no annual fee or foreign transaction fee. Balance transfers and cash advances cost 3%, though the cash advance fee is waived when you transfer electronically to a USAA deposit account.
  • Other Perks. In addition to price protection, this card includes complimentary extended warranties on certain items with existing warranties (including items purchased at Amazon) and a slew of travel protections, such as rental car coverage for loss and damage on rentals paid in full with your card.

Best Credit Cards to Use on Amazon Prime Day: Cash Back Cards

If you’re not interested in applying for one of the clear Prime Day winners or a card with a price protection benefit, consider these top-rated cash back credit cards for your Prime Day shopping.

Citi® Double Cash Card

Unlimited 2% Cash Back on Eligible Purchases When You Pay Your Statement Balance in Full

Citi Double Cash Credit CardThe Citi® Double Cash Card earns an unlimited 2% cash back when you pay your balance on time and in full. That’s effectively a 2% subsidy on your Prime Day spending, provided you don’t carry a balance past the current statement cycle.

Cash back earned with this card expires after 12 consecutive months of account inactivity, so at a minimum, you’ll want to make Double Cash your go-to Prime Day spending aid.

  • Sign-Up Bonus. There’s currently no sign-up bonus.
  • Earning Rewards. Earn an unlimited 1% cash back on all eligible purchases at the point of sale. Then, earn an unlimited 1% cash back for on-time payments made toward your balance. If you pay your balance in full by the statement due date, you’ll earn a 2% effective rate of return. Earned cash back expires after 12 consecutive months of account inactivity.
  • Redeeming Rewards. Redeem your cash back rewards for a paper check, statement credit, gift card, or bank account deposit, subject to a $25 redemption minimum.
  • Introductory APR. Enjoy 0% for 18 months on balance transfers. Then, variable regular APR applies.
  • Key Fees. This card has no annual fee. The foreign transaction fee is 3%.
  • Other Perks. Choose your own payment due date and enjoy comprehensive identity theft resolution support through Citi® Identity Theft Solutions.

See our Citi Double Cash Card Review for more information. Find out how you can apply for this card here.

Learn More


Chase Freedom Flex℠ Card

5% Cash Back on the First $1,500 Spent in Rotating Categories Every Quarter; 5% Cash Back on Eligible Travel Purchases Made Through Chase Ultimate Rewards; 3% Cash Back on Dining and Drugstore Purchases; 1% Cash Back on Everything Else

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Freedom Flex is a potent spending aid for Amazon Prime Day thanks to Chase’s “Shop With Points” feature, which permits direct redemptions for Amazon.com purchases. On top of 1% baseline cash back on most eligible purchases, these Freedom Flex purchases earn bonus cash:

  • 5% cash back on eligible purchases up to $1,500 in quarterly rotating categories, as long as you activate in time (check this quarter’s Chase Freedom categories)
  • 5% cash back on Lyft purchases made through March 2022
  • 5% cash back on travel purchases made through Chase travel
  • 3% cash back on dining purchases at restaurants, including takeout and delivery, and drugstore purchases

Cash rewards accrue as Chase Ultimate Rewards points, a loyalty currency worth $0.01 per point at redemption. For Amazon Prime Day shoppers, the choice is clear: Amazon.com redemptions are the way to go.

  • Sign-Up Bonus: Make at least $500 in qualifying purchases within three months of opening your account to earn $200 bonus cash. Separately, earn 5% cash back for the first 12 months on eligible grocery store purchases, excluding Target and Walmart, on the first $12,000 spent.
  • Earning Rewards: Eligible Chase Ultimate Rewards travel purchases earn 5% cash back. Purchases in quarterly rotating categories, up to $1,500 combined spending across all categories, also earn 5% cash back. Through March 2022, qualifying Lyft purchases earn unlimited 5% cash back as well. Drugstore and dining purchases (including takeout and delivery) earn 3% cash back, while all other eligible purchases (including rotating 5% category purchases above the quarterly cap) earn unlimited 1% cash back.
  • Redeeming Rewards: Redeem for purchases made directly with Amazon.com at a ratio of 1 point per $0.01. If you prefer, you can redeem for statement credits, bank account deposits, and gift cards, at the same ratio. Noncash redemption options include travel, general merchandise, and other purchases at the Ultimate Rewards portal. Rewards don’t expire as long as your account remains open and in good standing. There’s no minimum redemption threshold for Amazon or cash redemptions.
  • Introductory APR: 0% APR on purchases for 15 months. Then, variable regular APR applies.
  • Regular APR: Once the introductory promotion ends, variable regular APR applies, currently 14.99% to 23.74% APR.
  • Key Fees: There’s no annual fee. The foreign transaction fee is a flat 3%.
  • Other Perks: Enjoy a complimentary subscription to DoorDash’s DashPass service for three months from account opening. Thereafter, you’ll get 50% off your subscription for the next nine months.

See our Chase Freedom Flex Card review for more information. Learn more about this card and find out how to apply here.

Apply Now


Chase Freedom® Unlimited Credit Card

$200 Bonus Cash When You Spend $500 in the First 3 Months and 5% Cash Back on Grocery Store Purchases in the First Year (Excluding Target and Walmart); Redeem Cash Back Directly for Amazon Purchases

Chase Freedom Unlimited Credit CardThe Chase Freedom® Unlimited Credit Card earns an unlimited 1.5% cash back on all eligible purchases, making it a solid choice for Prime Day spending even without a generous sign-up bonus.

With category-leading value, though, said sign-up bonus really does make a difference. When you spend at least $500 in eligible purchases (including at Amazon) within the first 3 months your account is open, you’ll earn $200 bonus cash. You’ll also earn 5% cash back on grocery store purchases (excluding Target and Walmart), up to $12,000 spent in the first year. And you’ll always earn unlimited 1.5% cash back from day one.

Like the classic Chase Freedom card, Freedom Unlimited boasts Purchase Protection and participates in Amazon’s Shop With Points program, so you can pull the same direct-redemption trick here. What’s better than earning beaucoup bonus points on Prime Day shopping, then cashing in on your next Amazon run?

  • Sign-Up Bonus. Earn $200 bonus cash when you spend at least $500 in eligible purchases during the first 3 months your account is open. Plus, earn 5% cash back on grocery store purchases (excluding Target and Walmart), up to $12,000 spent in the first year.
  • Earning Rewards. Most eligible purchases earn unlimited 1.5% cash back. However, certain purchases made through Chase’s Ultimate Rewards shopping portal may earn up to 10% cash back. Once earned, cash back never expires.
  • Redeeming Rewards. Redeem your rewards in any amount for statement credits, bank account deposits, and credits against Amazon purchases via Shop With Points. You can also redeem for gift cards (including Amazon gift cards, sometimes at special redemption rates), general merchandise, travel, and more. Redemption minimums and point values may vary for non-cash redemption options.
  • Introductory APR. Enjoy 0% APR for 15 months on purchases, then variable regular APR applies, depending on your creditworthiness (currently 14.99% to 23.74% APR).
  • Key Fees. There is no annual fee. The foreign transaction fee is 3%.
  • Other Perks. In addition to Purchase Protection, enjoy extended warranties of up to one year and complimentary loss and damage coverage on rental cars paid in full with your card.

See our Chase Freedom Unlimited Card Review for more information. Find out how you can apply for this card here.

Apply Now


Other Options: Welcome Offers, Travel Rewards & 0% APR Financing

The above cards are on this list for a reason: They’re the best cards to use for Amazon purchases on Prime Day and beyond. But they’re not the only options for consumers looking to leverage their credit cards’ features and benefits on the biggest retail holiday of the summer.

Welcome Offer Cards

If you’re in the market for a new credit card, consider applying for one of our top credit cards for sign-up bonuses before Prime Day. In addition to Chase Freedom Unlimited and Freedom Flex, which are already featured above) consider:

  • American Express Platinum. Earn 75,000 bonus Membership Rewards points when you spend at least $5,000 within 6 months of opening your account. Plus, earn 10 points per $1 spent on eligible purchases at U.S. gas stations and U.S. supermarkets, including Whole Foods Market, during the first 6 months your account is open (up to $15,000 in combined purchases). By front-loading holiday or big-ticket purchases, you can probably take care of a significant share of that required spend on Prime Day.
  • Capital One Venture Rewards. For a limited time, earn up to 100,000 bonus Venture miles in a two-part early spend bonus. First, earn 50,000 bonus Venture miles, worth $500 when redeemed against prior travel purchases, when you spend at least $3,000 on eligible purchases within three months of opening your account. Alternatively, earn 100,000 bonus Venture miles, worth $1,000 against prior travel purchases, when you spend at least $20,000 on eligible purchases in the first year.

Travel Rewards Cards

If you’re a frequent traveler, consider one of these premium travel rewards credit cards:

  • Chase Sapphire Preferred. Sapphire Preferred has a great sign-up bonus that’s worth up to $750. But it’s defined by its unusually generous travel benefits, most notably its 1-to-1 point transfer arrangements with about a dozen top travel merchants. By swapping your Ultimate Rewards points for airline miles or hotel points, you can multiply their value and dramatically reduce the cost of international travel. It all starts with this year’s Prime Day shopping blitz.
  • Chase Sapphire Reserve. Sapphire Reserve is Sapphire Preferred’s grown-up cousin. It boasts the same great 1-to-1 point transfer arrangement, plus an unusually generous redemption rate on travel purchases: $0.015 per point. If you’re a frequent traveler looking to maximize the value of loyalty currency earned on Prime Day, you can do worse than Sapphire Reserve.

0% APR Cards

If your planned Prime Day shopping blitz is too much for your regular budget to handle, consider one of these top 0% APR credit cards and pay no interest on purchases until the end of the promotional period. Just remember to pay off your Prime Day purchases in full before the end date; otherwise, you may be on the hook for all interest accumulated during the promotion.

  • Capital One Quicksilver Cash Rewards. Quicksilver isn’t your typical 1.5% cash back card. It also boasts a category-leading 15-month 0% APR promotion on purchases, making it the ideal card for consumers looking to finance their Prime Day hauls over time.
  • Citi Simplicity. Simplicity really shines as a balance transfer card, but its 12-month 0% APR promotion for purchases makes it a solid choice for interest-free Prime Day financing too.

Final Word

Amazon Prime Day isn’t the only once-a-year retail holiday worth saving up for. Black Friday and Cyber Monday, arguably the two biggest retail holidays on the U.S. shopping calendar, come around every fourth quarter. Over the years, they’ve grown into multi-day events spanning thousands of online and offline points of sale, including Amazon.

By all means, use one or more of the credit cards on this list to flex your spending muscles on Prime Day. Just don’t blow through your entire annual retail budget this month. Come November, you’ll want some spending power on reserve for the holidays.

Which credit card will you be using on Amazon Prime Day?

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Brian Martucci
Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.

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